Overview

Dibein combines connected financial data with cash forecasting, scenario planning, transaction monitoring and cited answers for finance teams at growing companies. It is best suited to teams that need a shared view of liquidity and the assumptions behind it. Its free tier offers a useful starting point, but multi-entity and multi-currency work requires a substantial step up to Scale.

Available on the web and through an API, Dibein was founded in 2024 and is based in Rueil-Malmaison, France. A sample-data playground requires no signup, so teams can explore the workflow before connecting company accounts.

Key features

Rolling forecasts

Cash Flow Copilot rebuilds a rolling forecast daily, with customer, vendor and category breakdowns and a confidence band. Starter covers 13 weeks; Growth adds the 12-month horizon, making it the more useful tier for teams that plan beyond immediate liquidity needs.

Scenario planning

Scenario Studio applies changes in hiring, payment terms, pricing, costs and debt to the live forecast. Saving, comparing and sharing scenarios, then exporting them in board-ready form, makes this more than a one-off forecast: it gives finance teams a way to present how assumptions affect expected cash.

Transaction monitoring and finance answers

Anomaly Radar scores transactions against vendor, category and amount patterns to flag potential duplicates, subscription creep and unusual vendor activity or payments. Starter keeps only seven days of history; Growth includes the full history, a meaningful difference for teams that need to review patterns over time.

Ask Dibein answers questions using connected forecast, ledger and transaction data, cites source rows, and declines questions it cannot answer confidently from that data. Growth caps usage at 50 queries per month; Scale removes that cap. The source citations and refusal behavior make the answers more grounded than an unconstrained chat interface, but the monthly allowance may be restrictive for frequent users.

Connections, security and data handling

Bank connections include Qonto, Revolut Business, N26 Business, BNP Paribas, Société Générale and SEPA banks; accounting connections include Pennylane, QuickBooks, Xero and Sage, with NetSuite on Scale. Direct bank feeds and ERP integrations support a connected workflow, though NetSuite access is reserved for the top paid tier.

Dibein says bank connections use read-only AISP access under PSD2, data is hosted in the EU/EEA and encryption uses TLS 1.2+ in transit and AES-256 at rest. It says customer data is not used to train models shared across customers. After a source is disconnected, synced data is deleted from active systems within 30 days, with backups aging out on a rolling 90-day cycle. Its first SOC 2 Type II audit is underway, with completion targeted for H1 2027.

Pricing

Dibein is freemium, with a free plan and paid plans from €149/mo. There is no free trial; Starter is free indefinitely rather than time-limited, and the sample-data playground can be opened without signup.

Plan	Price	What it includes and who it suits
Starter	0.00 EUR per free	One bank connection, one accounting connection, a rolling 13-week forecast, up to two seats and seven days of Anomaly Radar history. A practical entry point for a small team testing core forecasting, but the connection and history caps limit ongoing use.
Growth	149.00 EUR per month	Unlimited bank and accounting connections, 13-week and 12-month forecasts, unlimited scenarios, full Anomaly Radar history, up to eight seats, email support and 50 Ask Dibein queries per month. Best for teams that need deeper forecasting and regular scenario work without multi-entity or multi-currency support.
Scale	449.00 EUR per month	Everything in Growth plus multi-entity consolidation, multi-currency forecasting, unlimited Ask Dibein queries, Slack and email digests, API access, unlimited seats and priority support by the next business day. This is the relevant tier for more complex organizations, but the price jump from Growth is substantial.
Enterprise	Custom pricing	Annual contract; most agreements land between €18,000 and €65,000 per year. Includes Scale, SSO/SAML, custom data retention, a dedicated customer success manager, onboarding support, a custom SLA, and security questionnaire and DPA support. It is aimed at organizations that need enterprise controls and service commitments.

Growth and Scale are billed 15% cheaper when billed annually. Support rises with the tiers: community on Starter, email on Growth, priority next-business-day support on Scale, and a dedicated customer success manager on Enterprise.

Platforms

Dibein is available via web and API, though API access is included only with Scale. That distinction matters for teams planning to incorporate Dibein into an existing stack: they can use the web product on lower tiers, but API integration requires the higher-priced plan.

Who it's for

Dibein is a strong fit for finance teams at growing companies that want daily cash forecasts, scenario analysis and transaction monitoring grounded in their bank and accounting data. Growth suits teams needing multiple connections and a 12-month outlook; Scale is the choice when multi-entity consolidation, multiple currencies, unlimited seats or API access are essential. It is less suitable for teams that need those advanced capabilities but cannot justify Scale pricing, or that need more than 50 monthly finance queries while staying on Growth.

Pros and cons

Pros: Daily forecasts span near-term and 12-month horizons on Growth and above, with useful customer, vendor and category detail.
Pros: Scenario comparisons and board-ready exports help teams communicate the impact of changing assumptions.
Pros: Ask Dibein cites underlying rows and declines uncertain answers, while Anomaly Radar flags specific transaction patterns.
Pros: Starter is free indefinitely, and the no-signup playground offers a way to inspect the workflow using sample data.
Cons: Starter is limited to one bank and accounting connection, two seats, a 13-week forecast and seven days of anomaly history.
Cons: Multi-entity, multi-currency and API access begin at Scale, priced at 449.00 EUR per month.
Cons: Growth limits Ask Dibein to 50 queries per month, and the first SOC 2 Type II audit is still underway.

Alternatives

For a wider starting point, browse Cash Forecasting Software. Choose Predict.ai instead if a freemium option with API and self-hosted platforms is the priority; its Free plan includes 500 credits per month, one workspace and one seat. Cash4 is another paid web and API alternative.

Consider Agicap if you want a paid service with a free trial and Android and iOS access; its subscription requires a minimum 12-month term. Kyriba is a paid alternative with custom pricing and a demo-led buying process. Trovata Cash Forecasting suits teams seeking a defined annual package: its Base Package is 24.00 USD per year, billed $24k/year, with one bank, 100 accounts, 1,000,000 transactions and 10 users.

Calxa is worth considering for web-based reporting with a free trial and a low-cost one-organization Premier1 plan at 18.00 USD per month. Float offers web-based forecasting with a free trial; its Essentials plan is 130.00 USD per month and includes eight scenarios, 13-week cash flow and 12-month forecasts. Spotlight Reporting is another web-based option with a 14-day free trial and a Business plan at 35.00 USD per month for one organization, excluding sales tax.

Verdict

Choose Dibein if your finance team wants daily cash forecasts, scenario planning and transaction monitoring tied to connected financial data, with answers that cite their source rows. Starter makes it possible to begin without a subscription, while Growth is the practical tier for broader connections and a 12-month view. Look elsewhere if multi-entity or multi-currency support is necessary but Scale’s 449.00 EUR per month is outside budget, or if your team needs enterprise assurance beyond an audit still underway.

	Dibein	ZenTreasury
Free plan	Yes	No
Free trial	No	No
Paid from	€149/mo	—
Open source	No	No
Platforms	api, Web	api, Web
Free plan	Yes	—
Direct bank feeds	Yes	Yes
ERP integrations	Yes	Yes
Scenario planning	Yes	—
Multi-entity support	Yes	Yes
Forecast horizon	12 months	—
Data import methods	api	api

Dibein vs ZenTreasury

Dibein

ZenTreasury