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No-Code · head to head

FlutterFlow vs Toqio

FlutterFlow logo

FlutterFlow

No-Code

Visual builder that outputs real Flutter code for iOS, Android and web

From
Free
Rated
-
Full reviewWebsite
Toqio logo

Toqio

APIs

No code platform for building embedded finance products on your own providers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only FlutterFlow has a free tier, so it costs nothing to try first.
  • Each has a real cost: FlutterFlow downloading your own generated code requires the Pro tier, so on cheaper plans you can build the application but cannot take it with you, which is precisely the reason most buyers chose the product.; Toqio toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • They diverge on capability: FlutterFlow covers Flutter code generation, Toqio covers No code product builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which FlutterFlow and Toqio actually diverge.

Attributes where FlutterFlow and Toqio differ
AttributeFlutterFlowToqio
Starting priceFreeOn request
Pricing modelPer user per monthquote
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb, iOS, Android, API
CategoryNo-CodeAPIs

Identical on both: user rating (Not yet rated).

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 FlutterFlow

  • Flutter code generation
  • Firebase and Supabase integration
  • API and GraphQL calls
  • Custom code
  • Store deployment
  • Team collaboration

Only in Toqio

  • No code product builder
  • Provider orchestration
  • Account and card modules
  • Embedded financing
  • Back office tooling
  • Multi entity and multi brand
  • White label mobile apps
  • Marketplace of providers

What people use each for

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

FlutterFlow

  • A founder building a genuine cross-platform mobile app rather than a web formnot Toqio
  • Prototyping an application that an in-house Flutter team will later take over as codenot Toqio
  • Agencies delivering client mobile apps on a fixed budget where handing over source is contractualnot Toqio
  • Internal apps that must be installed from the app stores rather than opened in a browsernot Toqio

Toqio

  • A manufacturer offering branded working capital finance to its dealer networknot FlutterFlow
  • A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot FlutterFlow
  • A corporate that wants to switch card issuer without rebuilding its customer facing productnot FlutterFlow
  • A group launching the same embedded finance product across several markets with different local providersnot FlutterFlow

Where each one falls short

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

FlutterFlow

  • Downloading your own generated code requires the Pro tier, so on cheaper plans you can build the application but cannot take it with you, which is precisely the reason most buyers chose the product.
  • The output is Dart and Flutter, so the escape hatch only helps an organisation that already has or is willing to hire Flutter developers; for a non-technical buyer the exported code is unusable.
  • Once logic moves into custom functions and custom widgets, the visual editor becomes slower than writing the same code by hand, so the tool works against you at exactly the point the project gets serious.
  • The browser editor gets sluggish on large projects, with preview and build times that lengthen as page and component counts grow, which is felt daily by teams past the prototype stage.
  • There is no backend; Firebase or Supabase modelling, security rules, indexes and their bills are entirely your responsibility, so a FlutterFlow application is always at least two subscriptions and two skill sets.

Toqio

  • Toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • Because it orchestrates rather than provides, the customer experience is only as good as the underlying bank or issuer, and Toqio cannot fix a partner's settlement delays or outages.
  • Pricing is quoted with no public rate card, so comparing it against building in house or against a bundled banking as a service provider requires a full sales process.
  • With around EUR 30 million raised in total it is a small supplier to underpin a financial product a large corporate expects to run for a decade, which raises real continuity questions in procurement.
  • No code configuration covers standard patterns well but bespoke customer journeys eventually require custom development, at which point the main advantage over building directly on provider APIs narrows.

Pricing, plan by plan

FlutterFlow

Free
  • FreeFree
    • Build and preview applications
    • FlutterFlow branding
    • No code download
  • Standard$30/month
    • Removes branding
    • Custom domain for web deployment
    • Local run and testing
  • Pro$70/month
    • Download the generated Flutter source
    • GitHub integration
    • Custom code and custom widgets without restriction
  • Teams$70/month
    • Everything in Pro, billed per user
    • Shared project libraries and roles
    • Branching and collaborative editing

Toqio

On request
  • Toqio platform$undefined/year
    • Quoted per customer, typically setup plus recurring platform fee
    • Regulated provider fees are separate and contracted by you
    • Card interchange and lending economics belong to your provider agreements

Which should you pick?

Choose FlutterFlow if

  • You need flutter code generation.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want firebase and supabase integration.
FlutterFlow review

Choose Toqio if

  • You need no code product builder.
  • You work on Web, iOS, Android, API.
  • You also want provider orchestration.
Toqio review

Questions people ask

Is FlutterFlow or Toqio better?
Neither clearly leads. FlutterFlow starts at Free and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FlutterFlow or Toqio?
FlutterFlow has a free tier; the other does not. Paid plans start at Free for FlutterFlow and On request for Toqio.
Does FlutterFlow or Toqio run on more platforms?
FlutterFlow runs on Web, iOS, Android. Toqio runs on Web, iOS, Android, API.
Can I use FlutterFlow for free?
Yes. FlutterFlow has a free tier, so you can try it without paying. Toqio starts at On request.
What is FlutterFlow best used for?
FlutterFlow is most often used for a founder building a genuine cross-platform mobile app rather than a web form, prototyping an application that an in-house flutter team will later take over as code, agencies delivering client mobile apps on a fixed budget where handing over source is contractual, internal apps that must be installed from the app stores rather than opened in a browser. Of those, a founder building a genuine cross-platform mobile app rather than a web form and prototyping an application that an in-house flutter team will later take over as code are not what Toqio is typically brought in for.
What can FlutterFlow do that Toqio cannot?
FlutterFlow covers Flutter code generation, Firebase and Supabase integration, API and GraphQL calls, Custom code. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

FlutterFlow: Can I export the code?

Yes, on the Pro tier and above. Lower tiers can build and preview but not download the Flutter project.

Toqio: Does Toqio provide the banking licence?

No, deliberately. You contract your own bank, issuer or lender, which is why you can replace them without rebuilding the product.

FlutterFlow: Do I need to know how to code?

Not to build a straightforward application. You will need Dart for custom functions, for anything unusual, and for maintaining the exported project afterwards.

Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

FlutterFlow: Does it include a database?

No. FlutterFlow builds the client. Data lives in Firebase, Supabase or your own API, and those costs and design decisions are separate.

Toqio: How much does it cost?

Not published. Expect a setup fee plus a recurring platform fee, with all regulated provider costs on top and separately contracted.

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