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Payroll · head to head

Nmbrs vs Wagestream

Nmbrs logo

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

From
On request
Rated
-
Full reviewWebsite
Wagestream logo

Wagestream

Payroll

Financial wellbeing platform with flexible pay, savings and coaching for UK and US employers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.; Wagestream employees pay a flat fee of around 1.95 pounds per transfer, so frequent users pay a meaningful annual sum to access wages they have already earned.
  • They diverge on capability: Nmbrs covers Dutch payroll engine, Wagestream covers Stream pay.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Nmbrs and Wagestream actually diverge.

Attributes where Nmbrs and Wagestream differ
AttributeNmbrsWagestream

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

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 Nmbrs

  • Dutch payroll engine
  • Swedish payroll
  • Collective agreement handling
  • Employee self service
  • HR records
  • Accountant workspace
  • Open API
  • Journal export

Only in Wagestream

  • Stream pay
  • Build savings
  • Track
  • Coaching
  • Employer subsidy
  • Rostering integration

What people use each for

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

Nmbrs

  • A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Wagestream
  • An accountancy firm running payroll for dozens of client companies from one workspacenot Wagestream
  • A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Wagestream
  • An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot Wagestream

Wagestream

  • A care provider with thousands of shift workers using flexible pay to fill unpopular shiftsnot Nmbrs
  • A retailer under ESG scrutiny that wants to subsidise the transfer fee and evidence a genuine benefitnot Nmbrs
  • An employer whose staff use payday lending and who wants a cheaper alternative inside payrollnot Nmbrs
  • A logistics operator wanting savings-from-pay alongside early access rather than advances alonenot Nmbrs

Where each one falls short

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

Nmbrs

  • Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
  • English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
  • The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
  • Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

Wagestream

  • Employees pay a flat fee of around 1.95 pounds per transfer, so frequent users pay a meaningful annual sum to access wages they have already earned.
  • Employers who do not subsidise the fee are, in effect, offering a benefit funded by their lowest-paid staff, which is an awkward position when unions or ESG reporting examine it.
  • Transfers are capped at a share of earned wages, commonly around half a month, so it does not resolve a genuine income shortfall and can delay someone seeking real debt help.
  • It needs accurate payroll and rostering feeds; employers with legacy or multiple payroll systems face long integrations before launch.
  • Uptake concentrates in a minority of staff who use it repeatedly, so headline adoption figures overstate how broadly the benefit is felt across a workforce.

Pricing, plan by plan

Nmbrs

On request
  • Nmbrs$undefined/year
    • Priced per employee per month, commonly resold by accountancy firms
    • Payroll and HR modules licensed separately
    • Direct pricing differs from partner pricing

Wagestream

On request
  • Wagestream$undefined/year
    • Employer platform fee quoted, commonly per employee per month
    • Employee pays roughly 1.95 per wage transfer unless subsidised
    • Employer can part-subsidise or fully fund the transfer fee

Which should you pick?

Choose Nmbrs if

  • You need dutch payroll engine.
  • You work on Web, iOS, Android.
  • You also want swedish payroll.
Nmbrs review

Choose Wagestream if

  • You need stream pay.
  • You work on Web, iOS, Android.
  • You also want build savings.
Wagestream review

Questions people ask

Is Nmbrs or Wagestream better?
Neither clearly leads. Nmbrs starts at On request and Wagestream at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Nmbrs or Wagestream?
Nmbrs starts at On request and Wagestream at On request.
Does Nmbrs or Wagestream run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Nmbrs best used for?
Nmbrs is most often used for a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator, an accountancy firm running payroll for dozens of client companies from one workspace, a dutch subsidiary of an international group that needs correct cao and pension fund handling, an hr or time tracking vendor that needs a documented api to push hours and changes into dutch payroll. Of those, a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator and an accountancy firm running payroll for dozens of client companies from one workspace are not what Wagestream is typically brought in for.
What can Nmbrs do that Wagestream cannot?
Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service. Wagestream covers Stream pay, Build savings, Track, Coaching.

Answered from the vendors’ own pages

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

Wagestream: What does an employee pay?

A flat fee of roughly 1.95 pounds per transfer, unless the employer subsidises part or all of it.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

Wagestream: Is it a loan?

No. It is access to wages already earned, netted off at payroll, so there is no interest and no credit agreement.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

Wagestream: Can employers cover the fee?

Yes. Employer subsidy is a standard option and is the difference between a genuine benefit and a cost passed to staff.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

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