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Accounting · head to head

Conta vs Modern Treasury

Conta logo

Conta

Accounting

Norwegian accounting software for small and growing businesses

From
Free
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

  • Only Conta has a free tier, so it costs nothing to try first.
  • Each has a real cost: Conta norwegian pricing only: displayed in NOK without multi-currency support for international comparisons; 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 2 September 2026.

Where they differ

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

Attributes where Conta and Modern Treasury differ
AttributeContaModern Treasury
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo

Identical on both: 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 Conta

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.

Conta

  • Norwegian small business accounting and invoicingnot Modern Treasury
  • Project and department cost trackingnot Modern Treasury
  • EHF/eInvoice generation for Norwegian regulatory compliancenot 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 Conta
  • A lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accountsnot Conta
  • 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 Conta
  • An insurer handling premium collection and claims payment across several rails with approval controls and an auditable trailnot Conta

Where each one falls short

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

Conta

  • Norwegian pricing only: displayed in NOK without multi-currency support for international comparisons
  • Annual billing required: no monthly-pay option for either tier, forcing yearly commitment
  • Pro tier vaporware: listed as 'coming soon' with no pricing or feature roadmap provided
  • Limited feature differentiation: Smart tier is 'most selected' by customers but does not clearly explain what additional business value justifies 62% price premium over Standard

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

Conta

Free
  • Conta Regnskap Standard$209/month (billed annually)
  • Conta Regnskap Smart$339/month (billed annually)
  • Conta Regnskap Pro$undefined/mo

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 Conta if

  • You want to start without paying.
Conta review

Choose Modern Treasury if

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

Questions people ask

Is Conta or Modern Treasury better?
Neither clearly leads. Conta starts at Free and Modern Treasury at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Conta or Modern Treasury?
Conta has a free tier; the other does not. Paid plans start at Free for Conta and On request for Modern Treasury.
Does Conta or Modern Treasury run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Conta for free?
Yes. Conta has a free tier, so you can try it without paying. Modern Treasury starts at On request.
What is Conta best used for?
Conta is most often used for norwegian small business accounting and invoicing, project and department cost tracking, ehf/einvoice generation for norwegian regulatory compliance. Of those, norwegian small business accounting and invoicing and project and department cost tracking are not what Modern Treasury is typically brought in for.
What can Conta do that Modern Treasury cannot?
Modern Treasury covers Multi-rail payment initiation, Bank connectivity, Ledgers, Automatic reconciliation.

Answered from the vendors’ own pages

Conta: How much does Conta cost per month?

Conta Regnskap Standard costs 209 NOK/month and Smart costs 339 NOK/month, billed annually. Both exclude VAT and include a 30-day free trial option.

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.

Conta: Can I pay monthly instead of annually?

No. Both Standard and Smart tiers require annual billing at a fixed monthly rate. Monthly-payment options are not available.

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.

Conta: What is included in the Standard vs. Smart plan?

Standard includes accounting, invoicing, unlimited receipts, mobile app, and EHF/eInvoice. Smart adds KID numbers, unlimited EHF, project/department management, free chat/phone support, and exclusive equipment discounts.

Source
Modern Treasury: Which rails are supported?

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

Conta: When will the Pro plan be available and what will it cost?

The Pro tier is listed as 'coming soon' on the pricing page with no published pricing or launch date provided.

Source
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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