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Accounting · head to head

Billin vs Modern Treasury

Billin logo

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From
€6.6/month
Rated
-
Full reviewWebsite
Modern Treasury logo

Modern Treasury

Accounting

Payment operations and ledger infrastructure that sits between your product and your own bank accounts

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need; Modern Treasury you must already have or be able to obtain your own bank accounts with the right connectivity, so early stage companies without a banking relationship cannot use it and are pushed towards a sponsor bank model instead.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Billin and Modern Treasury actually diverge.

Attributes where Billin and Modern Treasury differ
AttributeBillinModern Treasury
Starting price€6.6/monthOn request
Pricing modelsubscriptionquote

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Billin

Nothing recorded that Modern Treasury does not also cover.

Only in Modern Treasury

  • Multi-rail payment initiation
  • Bank connectivity
  • Ledgers
  • Automatic reconciliation
  • Approval workflows
  • Virtual accounts
  • Compliance tooling
  • Return and exception handling

What people use each for

The jobs each tool is most often brought in to do.

Billin

  • Invoice managementnot Modern Treasury
  • Multi-user accounting for freelancers and small businessesnot Modern Treasury

Modern Treasury

  • A marketplace paying out to thousands of sellers that needs a ledger its application can trust rather than reconciling a payments dashboard by handnot Billin
  • A lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accountsnot Billin
  • A company that wants to move off a banking as a service provider and hold its own bank accounts after seeing sponsor banks offboard fintech programmesnot Billin
  • An insurer handling premium collection and claims payment across several rails with approval controls and an auditable trailnot Billin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Billin

  • Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
  • Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

Modern Treasury

  • You must already have or be able to obtain your own bank accounts with the right connectivity, so early stage companies without a banking relationship cannot use it and are pushed towards a sponsor bank model instead.
  • Pricing rests on an annual minimum commitment, and companies that miss their volume forecast pay the minimum regardless, which makes the headline per-transaction rate close to irrelevant in year one.
  • Supported bank connectivity is a finite list, so if your bank is not on it you are either waiting for an integration or changing banks, which is a far larger project than adopting the software.
  • It is software over banking, not banking, so it does not solve card issuing, deposit accounts or the licensing questions that a company embedding financial products still has to answer elsewhere.
  • The ledger is genuinely good but adopting it properly means making it the source of truth for balances in your product, which is a significant application change rather than a payments integration and is where implementations run long.

Pricing, plan by plan

Billin

€6.6/month
  • Plan Básico$80/year
    • 0-5 clients
    • 1 user
    • Max 10 products
  • Plan Básico$96/month
  • Plan Pro$168/year
    • 6-50 clients
    • 3 users
    • Max 50 products
  • Plan Pro$204/month

Modern Treasury

On request
  • Modern Treasury Platform$undefined/year
    • Platform access fee covering API, dashboard, infrastructure and support
    • Usage-based fees across ACH, wires, RTP, FedNow, push to card, cheques and stablecoins
    • A single annual minimum commitment that both platform and usage fees count towards

Which should you pick?

Choose Billin if

Nothing in the data separates Billin from Modern Treasury on the points above - pick on price and on how each one feels to use.

Billin review

Choose Modern Treasury if

  • You need multi-rail payment initiation.
  • You also want bank connectivity.
Modern Treasury review

Questions people ask

Is Billin or Modern Treasury better?
Neither clearly leads. Billin starts at €6.6/month and Modern Treasury at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billin or Modern Treasury?
Billin starts at €6.6/month and Modern Treasury at On request.
Does Billin or Modern Treasury run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Billin best used for?
Billin is most often used for invoice management, multi-user accounting for freelancers and small businesses. Of those, invoice management and multi-user accounting for freelancers and small businesses are not what Modern Treasury is typically brought in for.
What can Billin do that Modern Treasury cannot?
Modern Treasury covers Multi-rail payment initiation, Bank connectivity, Ledgers, Automatic reconciliation.

Answered from the vendors’ own pages

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

Source
Modern Treasury: Is Modern Treasury a bank or a banking as a service provider?

Neither. You hold your own bank accounts and it is software over them. That avoids sponsor bank concentration risk but means you need the bank relationship yourself.

Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

Source
Modern Treasury: What does it cost?

Not published. A platform access fee plus usage fees across rails, on an annual term with a single minimum commitment. Negotiate the minimum, not the per-transaction rate.

Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

Source
Modern Treasury: Which rails are supported?

ACH, wires, RTP, FedNow, push to card, cheques and stablecoin payments, subject to what your bank supports.

Modern Treasury: Do we still need our own compliance programme?

Yes. KYB, KYC and transaction monitoring are included in the platform, but you are the one holding the accounts and the regulatory obligation sits with you and your bank.

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