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Accounting · head to head

Billin vs Plaid

Billin logo

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From
€6.6/month
Rated
-
Full reviewWebsite
Plaid logo

Plaid

Accounting

The safer way to connect financial accounts

From
$29/month
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; Plaid no dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Billin and Plaid actually diverge.

Attributes where Billin and Plaid differ
AttributeBillinPlaid
Starting price€6.6/month$29/month
Pricing modelsubscriptionusage-based
PlatformsWebApi, Web, Ios, Android
FoundedUnknown2013

Identical on both: free tier (No), 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 Plaid does not also cover.

Only in Plaid

  • Bank account linking
  • Transaction data
  • Identity verification
  • Income verification
  • Asset reports
  • Venmo
  • Robinhood
  • Coinbase

What people use each for

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

Billin

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

Plaid

  • Connecting bank accounts to an application for balances and transactionsnot Billin
  • Verifying account ownership and income for payments or lendingnot 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

Plaid

  • No dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment
  • Three different billing models apply depending on the product, being one time per connected account, monthly per connected account, and per successful API call
  • That mix means total cost depends on which products are combined rather than on a single unit
  • Discounted rates require the Growth plan, which is a 12 month commitment

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

Plaid

$29/month
  • Pay-as-you-goFree
    • Bank connections
    • Transaction data
    • Account verification

Which should you pick?

Choose Billin if

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

Billin review

Choose Plaid if

  • You need bank account linking.
  • You work on Api, Web, Ios, Android.
  • You also want transaction data.
Plaid review

Questions people ask

Is Billin or Plaid better?
Neither clearly leads. Billin starts at €6.6/month and Plaid at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billin or Plaid?
Billin starts at €6.6/month and Plaid at $29/month.
Does Billin or Plaid run on more platforms?
Billin runs on Web. Plaid runs on Api, Web, Ios, Android.
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 Plaid is typically brought in for.
What can Billin do that Plaid cannot?
Plaid covers Bank account linking, Transaction data, Identity verification, Income verification.

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
Plaid: How much does Plaid cost?

Plaid does not publish per request rates. It offers Pay as You Go with no upfront commitment, a Growth plan on a 12 month commitment with discounts, and a Custom plan priced on volume. Figures come from its sales team.

Source
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
Plaid: How does Plaid bill for its products?

Plaid uses three billing shapes: one time fee products charged once per connected account, subscription products charged monthly per connected account, and per request products charged a flat fee for every successful API call.

Source
Billin: How many users does each Billin plan include?

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

Source
Plaid: Can I test Plaid for free?

Yes. Plaid's Limited Production service allows up to 200 API calls with each available product using live data, before any commitment. Plaid is also free for the consumers whose accounts are connected.

Source
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