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Spreadsheets · head to head

NocoDB vs Toqio

NocoDB logo

NocoDB

Spreadsheets

Open-source no-code database platform with REST and GraphQL APIs

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 NocoDB has a free tier, so it costs nothing to try first.
  • Each has a real cost: NocoDB the free cloud tier is capped at 3 editor seats, 1,000 records and 1 GB of storage; 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: NocoDB covers REST API, 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 NocoDB and Toqio actually diverge.

Attributes where NocoDB and Toqio differ
AttributeNocoDBToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsCloud, Self-hosted, DockerWeb, iOS, Android, API
CategorySpreadsheetsAPIs
Founded2020Unknown

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 NocoDB

  • REST API
  • GraphQL API
  • No-code database
  • Multiple SQL databases
  • Webhooks
  • Automation
  • Cloud support
  • Self-hosted support

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.

NocoDB

  • Self-hosting an open source alternative to a spreadsheet databasenot Toqio
  • Putting a spreadsheet interface over an existing Postgres or MySQL databasenot Toqio
  • Building internal tools on structured data with an APInot Toqio
  • Team bases with per-field and per-table permissions on the paid tiersnot Toqio

Toqio

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

Where each one falls short

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

NocoDB

  • The free cloud tier is capped at 3 editor seats, 1,000 records and 1 GB of storage
  • Records are the metering unit on cloud, so Plus covers 50K and Business 300K rather than scaling by seat alone
  • Row-level security, audit log retention and team hierarchy require the Scale tier
  • SCIM provisioning and air-gapped deployment are Enterprise only
  • The self-hosted Community edition is unlimited on records and seats but does without workflows, scripts and dashboards, which start at the paid self-hosted tiers

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

NocoDB

Free
  • Free (Cloud)Free
    • 3 editor seats
    • 10 commenter seats
    • 1 GB storage
  • Plus$12/month
    • Unlimited seats
    • 50,000 records
    • 20 GB storage
  • Business$24/month
    • Unlimited seats
    • 300,000 records
    • 100 GB storage
  • Scale$45/month
    • Minimum 3 seats required
    • 1,000,000 records
    • 150 GB storage

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 NocoDB if

  • You need rest api.
  • You want to start without paying.
  • You work on Cloud, Self-hosted, Docker.
  • You also want graphql api.
NocoDB 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 NocoDB or Toqio better?
Neither clearly leads. NocoDB 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, NocoDB or Toqio?
NocoDB has a free tier; the other does not. Paid plans start at Free for NocoDB and On request for Toqio.
Does NocoDB or Toqio run on more platforms?
NocoDB runs on Cloud, Self-hosted, Docker. Toqio runs on Web, iOS, Android, API.
Can I use NocoDB for free?
Yes. NocoDB has a free tier, so you can try it without paying. Toqio starts at On request.
What is NocoDB best used for?
NocoDB is most often used for self-hosting an open source alternative to a spreadsheet database, putting a spreadsheet interface over an existing postgres or mysql database, building internal tools on structured data with an api, team bases with per-field and per-table permissions on the paid tiers. Of those, self-hosting an open source alternative to a spreadsheet database and putting a spreadsheet interface over an existing postgres or mysql database are not what Toqio is typically brought in for.
What can NocoDB do that Toqio cannot?
NocoDB covers REST API, GraphQL API, No-code database, Multiple SQL databases. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

NocoDB: Is NocoDB free?

Yes, NocoDB offers a free cloud plan with 3 editor seats, 1,000 records, 1 GB storage, and 1,000 API calls per month. A free self-hosted Community edition with unlimited records and seats is also available.

Source
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.

NocoDB: How much does NocoDB Plus cost?

NocoDB Plus costs $12 per seat per month (billed annually) or $15 per seat per month (monthly). For unlimited seats, it costs $108/month annually or $180/month monthly. Plus includes 50,000 records, 20 GB storage, and 100,000 API calls per month.

Source
Toqio: Who is it aimed at?

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

NocoDB: What is the difference between NocoDB Plus and Business plans?

Plus ($12/seat annual) includes 50,000 records and 100,000 API calls per month. Business ($24/seat annual) includes 300,000 records, 1,000,000 API calls per month, external database connections, SAML SSO, and table/field permissions.

Source
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.

NocoDB: Can I self-host NocoDB for free?

Yes, NocoDB's Community edition is free for self-hosting. It includes unlimited records, storage, and seats, with all core features including webhooks and 6 view types.

Source
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