Dibein

Overview

Dibein brings bank and accounting data into a finance workspace for cash forecasts, scenario planning, transaction monitoring and data-grounded questions. It suits growing companies that want those jobs in one place; its strongest case is a connected view of expected cash and the assumptions behind it, while smaller teams may find the paid tiers more than they need.

The product is available on the web and through an API. Founded in 2024, Dibein is based in Rueil-Malmaison, France. A sample-data playground can be opened without signup, useful for exploring the workflow before connecting company accounts.

Key features

Rolling forecasts and scenarios

Cash Flow Copilot rebuilds forecasts daily across 13 weeks and 12 months, with customer, vendor and category breakdowns plus a confidence band. That makes it useful for teams balancing near-term liquidity with longer-range planning, though the 12-month horizon is not included on Starter.

Scenario Studio tests changes to hiring, payment terms, pricing, costs and debt against the live forecast. Users can save, compare and share scenarios, then export board-ready versions. This is a practical strength for finance teams that need to explain assumptions as well as outcomes.

Monitoring and questions

Anomaly Radar scores transactions against vendor, category and amount patterns to flag possible duplicates, subscription creep and unusual vendor activity. Starter retains only seven days of history; Growth and Scale include the full history, a meaningful difference for teams that need to investigate patterns over time.

Ask Dibein answers questions using connected forecast, ledger and transaction data, cites source rows and declines questions it cannot answer confidently. The citations and refusal behavior help keep answers tied to underlying records, but Growth caps usage at 50 queries per month; Scale removes that quota.

Connections and data safeguards

Bank connections include Qonto, Revolut Business, N26 Business, BNP Paribas, Société Générale and SEPA banks. Accounting connections include Pennylane, QuickBooks, Xero and Sage; NetSuite is available on Scale. The maker says bank access is read-only through PSD2 AISP connections, data is hosted in the EU/EEA and protected with TLS 1.2+ in transit and AES-256 at rest. It also says customer data is not used to train models shared across customers. Its first SOC 2 Type II audit is underway, with completion targeted for H1 2027.

When a source is disconnected, synced data is deleted from active systems within 30 days, with backups aging out on a rolling 90-day cycle. That retention window is worth considering for organizations with specific deletion requirements.

Pricing

Starter is free indefinitely, not a time-limited trial, and includes one bank connection, one accounting connection, a rolling 13-week forecast and up to two seats. Its seven-day Anomaly Radar history and lack of the 12-month forecast make it an entry point rather than a full planning setup.

Growth costs €149 a month, with annual billing 15% cheaper. It adds unlimited bank and accounting connections, 13-week and 12-month forecasts, unlimited scenarios, full anomaly history, up to eight seats, email support and 50 Ask Dibein queries monthly. It is the natural fit for a team outgrowing Starter, but the query allowance and seat ceiling may constrain broader adoption.

Scale costs €449 a month, with annual billing 15% cheaper. It includes Growth features plus multi-entity consolidation, multi-currency forecasting, unlimited Ask Dibein queries, Slack and email digests, API access, unlimited seats and priority next-business-day support. It is better suited to larger or more complex finance operations than a single-entity team with modest query needs.

Enterprise has custom pricing under an annual contract; the maker says most agreements land between €18,000 and €65,000 per year. It adds SSO/SAML, custom data retention, a dedicated customer success manager, onboarding support, a custom SLA and security questionnaire and DPA support. Starter support is community-based, Growth support is by email, and Scale support is priority by the next business day.

Platforms

Dibein supports web and API access. Direct bank feeds and ERP integrations are available, with multi-entity support on Scale.

Who it's for

Dibein is a strong match for growing-company finance teams that want daily cash projections, scenario comparisons and transaction checks based on connected data. Starter can serve a small team testing a real workflow; Growth fits teams needing longer forecasts and more connections. Multi-entity groups, teams forecasting across currencies, or organizations needing unlimited queries and seats have a clearer case for Scale. Buyers requiring a completed SOC 2 Type II audit should weigh the current audit status against their requirements.

Pros and cons

• Pros: Daily rolling forecasts combine a confidence band with useful customer, vendor and category breakdowns.
• Pros: Scenario sharing and board-ready exports connect planning work to communication with decision-makers.
• Pros: Ask Dibein cites source rows and can decline uncertain questions rather than presenting every answer as reliable.
• Cons: Starter is limited to one connection of each type, two seats, a 13-week horizon and seven days of anomaly history.
• Cons: Growth's 50 monthly queries and eight-seat limit may push expanding teams toward the substantially higher-priced Scale tier.
• Cons: The first SOC 2 Type II audit remains underway, which may not satisfy buyers requiring completed certification today.

Alternatives

For a wider category shortlist, browse Cash Forecasting Software. Choose Kyriba if you want a treasury product spanning Android, iOS, web and API access; its pricing is custom and requires a demo request.

Agicap is worth considering if a trial matters: it offers one, but requires a minimum 12-month subscription and does not display pricing. Calxa may suit buyers seeking a paid web option with a free trial and published monthly USD pricing, including Premier1 at $18 a month for one organisation and unlimited users.

Cash4 is another paid option for web and API access, with price not listed. Cobase Bank Connector may fit teams focused on bank connectivity across Android, iOS and web; its pricing depends on connections, account volume, modules and ERP integrations.

Float is an alternative for teams wanting web-based cash forecasting with a free trial; its Essentials plan is $130 a month and includes unlimited users, eight scenarios, 13-week cash flow and 12-month forecasts. Predict.ai is a freemium web alternative. Spotlight Reporting offers web access and a 14-day free trial.

Verdict

Choose Dibein if your finance team needs a linked workflow for forecasting, scenario analysis, anomaly checks and questions grounded in live financial records. Its free Starter tier gives a useful low-commitment entry, but teams needing longer horizons, deeper history or broader access will need Growth or Scale. Look elsewhere if your priority is a completed SOC 2 Type II audit, or if the paid tiers’ seat and query boundaries do not match your operating scale.