Fygr is a solid cash flow tool with strong manual controls — but its €828+/year pricing and hands-on setup aren't for everyone. Here are four alternatives compared on price, automation and bank coverage.
Fygr publishes its pricing — a genuine plus in this market — with plans at €69–104 per month, or €828–1,248 per year, and some features priced as extras. It connects to 200+ banks and gives finance-minded owners strong manual controls over their cash flow projections.
The main reasons businesses go looking elsewhere come down to time and money. Fygr relies more on manual input and rule-based projections: transactions require manual categorization, and getting set up means hours of configuration rather than a quick connect-and-go. And at €828+ per year, it costs several times more than entry-level alternatives — Trezy's plans, for comparison, run €0–390 per year with a free tier available.
If you like Fygr's philosophy but want more automation, broader bank coverage, or a lower bill, the four alternatives below cover the realistic options. For the direct head-to-head, read our full Trezy vs Fygr comparison.
Ranked for SMBs: how much you pay, how much work the tool does for you, and who each one really serves.
Trezy answers Fygr's two weak spots directly. On price: Trezy has a free forever plan, with paid plans from €7.50/month (€90/year) up to €390/year for Premium — up to 9x cheaper than Fygr's €828–1,248/year, with all pricing public. On automation: where Fygr requires manual categorization, Trezy's AI recognizes 68 million suppliers and categorizes every transaction into 400+ categories at 95.69% accuracy, working instantly from day one.
Bank coverage is broader too: 2,000+ bank connections across Europe, the US and Canada versus Fygr's 200+, all read-only and synced in real time. On top of that data, Trezy generates AI-powered 12-month cash flow forecasts, shows 36+ months of history and forecast in one infinite-scroll view, and automatically detects supplier price increases before they hit your margins. Accounting context comes via QuickBooks Online and the Pennylane partnership — see the full integrations page.
Read the full Trezy vs Fygr breakdown or check Trezy pricing.
If your business is outgrowing Fygr rather than trying to simplify, Agicap is the step-up option. It targets mid-market companies — roughly 50–500 employees with revenue above €10M — with a comprehensive platform: three integrated modules (CashFlow, CashCollect, Payment), native multi-entity management, 300+ connected banks and 150+ ERP integrations.
The cost of that depth is the enterprise buying model: custom pricing that typically starts at €3,000+ per year (up to €9,000+ depending on size), quotes only via sales calls, and a 2–4 week onboarding with dedicated support. For most SMBs on Fygr, that's a move in the opposite direction of simpler and cheaper. See Trezy vs Agicap and our guide to Agicap alternatives.
Qotid competes in the same public-pricing bracket as Fygr but undercuts it: the Pro plan costs €588 per year, versus Fygr's €828+. It supports 200+ French banks, includes purchase management features, and offers a generous 15-day free trial.
The constraints: Qotid is French-only — interface and bank coverage — which rules it out for international teams or foreign accounts. Its auto-categorization is more basic with fewer categories than AI-first tools, and users report lag when building long-term forecasts. Still, for a business operating purely in France on a budget, it's a credible Fygr alternative. Full comparison in Trezy vs Qotid.
Zenfirst is another comprehensive, demo-led treasury platform positioned for mid-market companies with more complex needs. Like Agicap, it works on custom pricing — typically from €3,000+ per year — obtained by contacting sales, with a longer onboarding process (2–4 weeks) supported by their team.
It makes sense on a shortlist if you need multi-entity depth and have a finance team to run it. If you came to this page because Fygr already felt like too much manual work and money, Zenfirst's model points the other way. Details in Trezy vs Zenfirst.
Pricing, buying model and positioning for Fygr and the four alternatives.
| Tool | Pricing | How you buy | Free plan / trial | Best for |
|---|---|---|---|---|
| Trezy | Free plan; €90–390/year (from €7.50/mo) | Self-serve, public pricing | Free plan + 7-day trial, no card | SMBs wanting automation |
| Fygr | €828–1,248/year (€69–104/mo), some features extra | Public pricing, demo available | Personalized demo | Hands-on manual control |
| Agicap | Custom, €3,000–9,000+/year | Contact sales | Personalized demo | Mid-market, multi-entity |
| Qotid | €588/year (Pro) | Public pricing | 15-day free trial | French-only businesses |
| Zenfirst | Custom, from ~€3,000+/year | Contact sales | Personalized demo | Mid-market |
Pricing as stated on our individual comparison pages. Fygr® is a trademark of Fygr SAS; other marks belong to their respective owners. For the wider market, see our 2026 cash flow software ranking.
The quick verdict: if Fygr's price or manual workload is what sent you here, Trezy is the direct answer — same SMB focus, public pricing from free to €390/year, and AI that removes the categorization and rule-building work entirely. Qotid is the budget pick for purely French operations. Agicap and Zenfirst only make sense if your real problem is that you've outgrown SMB tooling altogether and have the team and budget for an enterprise platform.
Decide on automation first. This is the axis Fygr sits on. If you actually enjoy configuring projection rules and categorizing transactions, Fygr's manual-first approach has merit. If those hours are the problem, choose a tool where the software does the work: Trezy categorizes automatically at 95.69% accuracy and builds 12-month forecasts on its own, with setup in about 5 minutes.
Then match the tool to your size. Trezy and Qotid serve SMBs at SMB prices (€0–390/year and €588/year respectively). Agicap and Zenfirst serve 50–500 employee companies at €3,000+/year with sales-led onboarding. Paying mid-market prices for a small team's needs is the most common sizing mistake in this category.
Check your bank coverage. Fygr and Qotid connect to 200+ banks each, focused on France. If you hold accounts in several countries or plan to, Trezy's 2,000+ connections across Europe, the US and Canada make it the safer bet — with multi-bank consolidation into a single cash position.
Switching is lighter than it looks. You don't migrate a database; you reconnect your banks. Trezy imports up to 24 months of transaction history automatically and the AI categorizes it from day one, so your forecast is live the same afternoon. You can also bring data in via Excel, CSV or API. Our step-by-step guide to switching from Fygr covers the details, and the pricing page shows exactly what each plan includes.
Fygr starts at €828 per year (plans run €69–104 per month, up to €1,248 per year), with some features costing extra. It also relies more on manual input: transactions need manual categorization, projections are rule-based, and setup involves hours of configuration. Businesses that want automatic categorization, AI forecasting, or a lower price point often evaluate alternatives.
Trezy is the most affordable alternative in this comparison: there's a free forever plan, and paid plans start at €7.50 per month (€90 per year), with Premium at €390 per year — up to 9x cheaper than Fygr's €828–1,248 per year. All Trezy pricing is public on the pricing page.
Yes. With Trezy you can import data via Excel, CSV, or API — or simply reconnect your bank accounts. Trezy pulls up to 24 months of transaction history automatically and its AI categorizes every transaction, so you rebuild your history and forecasts without a manual migration project. See the switching from Fygr guide.
Trezy. Where Fygr relies on manual categorization and rule-based projections, Trezy's AI recognizes 68 million suppliers, categorizes transactions into 400+ categories with 95.69% accuracy, and generates 12-month cash flow forecasts automatically. Setup takes about 5 minutes instead of hours of configuration.
It depends on your size. Agicap is a comprehensive platform for mid-market companies (50–500 employees, revenue above €10M) with custom pricing that typically starts at €3,000+ per year and a 2–4 week onboarding. For most SMBs currently using Fygr, that's a step up in cost and complexity rather than a simplification — see our Trezy vs Agicap comparison and Agicap alternatives guide.
Connect your banks, let the AI categorize everything, and see 12 months ahead — free to start, from €7.50/month after.