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No-Code · head to head

Thunkable vs Toqio

Thunkable logo

Thunkable

No-Code

No-code, drag-and-drop mobile app builder priced by AI tokens and project counts

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 Thunkable has a free tier, so it costs nothing to try first.
  • Each has a real cost: Thunkable every paid tier is metered by a monthly AI token allowance, so heavy use of the AI assistant, which is the tool's main productivity feature, can be exhausted well before a billing period ends.; 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: Thunkable covers Block-based logic editor, 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 Thunkable and Toqio actually diverge.

Attributes where Thunkable and Toqio differ
AttributeThunkableToqio
Starting priceFreeOn request
Pricing modelPer month, tiered by AI token allowance and project countquote
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 Thunkable

  • Block-based logic editor
  • Native compilation
  • AI app assistant
  • Component marketplace
  • Live testing
  • Custom branding

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.

Thunkable

  • A non-developer or founder prototyping an app idea before hiring an engineernot Toqio
  • An educator teaching app-building concepts without requiring students to write codenot Toqio
  • A small business needing a simple internal or customer-facing app with modest logicnot Toqio
  • A hobbyist building a single published app who does not need more than one live app slotnot Toqio

Toqio

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

Where each one falls short

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

Thunkable

  • Every paid tier is metered by a monthly AI token allowance, so heavy use of the AI assistant, which is the tool's main productivity feature, can be exhausted well before a billing period ends.
  • Only the Builder tier and above allow a live published app at all in useful numbers, so the entry-level paid plan cannot actually get an app onto the store in a meaningful way.
  • Block-based logic becomes unwieldy for apps with genuinely complex business rules, and there is no clean escape hatch to written code within the platform.
  • Native integrations and performance-sensitive features (heavy graphics, background processing) are limited compared to a coded framework, so the tool has a real complexity ceiling.
  • App ownership and export options are more restrictive than an open source framework; leaving the platform typically means rebuilding rather than exporting a portable codebase.

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

Thunkable

Free
  • FreeFree
    • 2,000 AI tokens
    • 3 public projects
    • 5 screens per project
  • Accelerator$19/month
    • 20,000 AI tokens
    • 5 public and 1 private project
    • 10 screens per project
  • Builder$37/month
    • 50,000 AI tokens
    • Unlimited public, 10 private projects
    • Unlimited screens, 1 live published app
  • Advanced$99/month
    • 100,000 AI tokens
    • Unlimited private projects and live published apps
    • Priority support

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 Thunkable if

  • You need block-based logic editor.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want native compilation.
Thunkable 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 Thunkable or Toqio better?
Neither clearly leads. Thunkable 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, Thunkable or Toqio?
Thunkable has a free tier; the other does not. Paid plans start at Free for Thunkable and On request for Toqio.
Does Thunkable or Toqio run on more platforms?
Thunkable runs on Web, iOS, Android. Toqio runs on Web, iOS, Android, API.
Can I use Thunkable for free?
Yes. Thunkable has a free tier, so you can try it without paying. Toqio starts at On request.
What is Thunkable best used for?
Thunkable is most often used for a non-developer or founder prototyping an app idea before hiring an engineer, an educator teaching app-building concepts without requiring students to write code, a small business needing a simple internal or customer-facing app with modest logic, a hobbyist building a single published app who does not need more than one live app slot. Of those, a non-developer or founder prototyping an app idea before hiring an engineer and an educator teaching app-building concepts without requiring students to write code are not what Toqio is typically brought in for.
What can Thunkable do that Toqio cannot?
Thunkable covers Block-based logic editor, Native compilation, AI app assistant, Component marketplace. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Thunkable: Can I publish an app on the free plan?

The free plan is aimed at building and testing; live publishing capacity in a meaningful way starts on the Builder plan.

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.

Thunkable: What happens if I run out of AI tokens?

AI-assisted generation stops working until the next billing cycle or an upgrade; manual block-based editing still works.

Toqio: Who is it aimed at?

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

Thunkable: Is this suitable for a complex business app?

No. It is built for simple to moderately complex apps; heavy custom logic and native integrations are better served by a coded framework.

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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