From $15,000 per year🇺🇸
Accounts receivable platform with AI agents for collections, dispute handling, cash application and contact finding.
Best AI treasury and cash management software (October 2026)
Treasury software shows cash across all bank accounts, runs payments and forecasts liquidity.
In this guide:52 toolsBefore you buyHow to choose AI treasury and cash management software (October 2026)Questions
52tools in this category
20countries with local strength
7can host data in the EU
How results are ranked: How we review
Results
From €55 per month · Free trial🇩🇪
Liquidity planning from Munich for small and midsize firms with AI categorization, AI cash flow forecasting and hosting in Germany.
From £0.20 usage-based · Free plan🇬🇧
UK receivables platform that collects card, bank and direct debit payments and has AI chase unpaid invoices from Xero or QuickBooks.
Contact for pricing · Free trial🇫🇷
Treasury software from Lyon for midsize firms with cash forecasting, payments, DATEV integration and an AI assistant for variances.
From 15 SGD per month🇸🇬
Singapore business account and spend management for startups and SMEs, with AI receipt capture, categorization and fraud detection.
Contact for pricing🇸🇪
Stockholm-based treasury system for cash, payments, forecasting and reconciliation, with AI agents that run scheduled treasury tasks.
Freemium🇰🇷
Korean finance platform linking bank, card and tax data, with an AI daily cash report and AI journal entries for tax firms.
From €55 per month · Free trial🇦🇹
Austrian cash flow platform for small and midsize firms with liquidity planning, DATEV integration, AI mapping, AI Insights and an MCP server.
Contact for pricing · Free trial🇨🇳
Beijing platform for business travel, expenses and corporate payments with an AI travel agent, AI approvals and a policy control agent.
From ¥980 per month · Free trial🇯🇵
Japanese invoice receiving service with public prices and AI agents that fetch invoices and read them by custom rules.
Contact for pricing🇬🇧
AI layer for treasury teams on top of TMS and ERP: cash forecasting from bank and ERP data, liquidity positioning and reporting.
Contact for pricing🇮🇱🇺🇸
Tel Aviv treasury platform that connects bank and ERP data and uses AI for categorization, cash forecasting and custom finance agents.
Contact for pricing🇺🇸
Treasury management system from GTreasury, part of Ripple since 2025, with GSmart AI agents that propose policy-cited actions for approval.
Contact for pricing🇺🇸
Procure-to-pay platform whose AI, Billy, codes invoices, matches them to purchase orders and routes them to the right approvers.
From $99 per month🇺🇸
Payables platform for midsize companies with AI agents for invoice capture, PO matching, approver selection and reporting.
Contact for pricing🇧🇷
São Paulo finance platform for planning, consolidation, treasury and reporting, with AI agents and a prompt based app builder.
From $12 per user/month🇸🇬🇦🇺🇺🇸
Global business accounts, FX payments and spend management from Singapore and San Francisco, with an AI policy agent and AI bill capture.
Contact for pricing🇺🇸
AP and payments platform for the US middle market whose AI extracts invoices, matches POs and recommends approvals.
From $49 per user/month · Free trial🇺🇸
Accounts payable software for small and midsize US businesses whose AI agents code bills and collect W-9 forms from vendors.
Contact for pricing🇺🇸
Software for invoicing, payments, credit, collections and cash application with AI for prioritization and email handling.
From $499 per month · Free trial🇺🇸
Forecasting and cash flow planning for small businesses and accounting firms, with the AI FP&A analyst Mira.
Contact for pricing🇺🇸
AI agents for corporate finance teams that draft variance commentary, weekly business reviews and board materials.
From 179.90 BRL per month · Free trial🇧🇷
Brazilian finance and bookkeeping software for small businesses that turns documents, photos and voice notes into ready entries with AI.
Usage-based · Free plan🇦🇷
Argentine finance platform for SMEs with account, collections and vendor payments whose AI agent Luca reads invoices, sends reminders and matches payments.
Contact for pricing🇪🇸
Madrid-based treasury system with bank reconciliation, payments and the TellMe AI agent for matching, forecasting and suggested entries.
From €0.20 usage-based🇬🇧
Direct debit and bank payment platform from London that uses machine learning to retry failed payments and block risky payers.
Contact for pricing🇺🇸
Receivables platform for large enterprises with AI agents for dunning, cash application, deductions and credit decisions.
Contact for pricing🇺🇸
Enterprise treasury platform for liquidity, payments, risk and bank connectivity, with the agentic AI system TAI.
Contact for pricing🇸🇪
AP automation for companies on SAP, Dynamics or NetSuite, with AI for invoice capture, coding, fraud detection and an approver copilot.
From $20 per month · Free trial🇺🇸
Bill pay platform for US small businesses and accountants with AI bill capture, approval workflows and the Agent Mel assistant, including a free plan.
From $29.90 per month🇺🇸
US business banking for startups with bill pay, treasury and Mercury Books, where AI reads bills, categorizes spend and drafts entries.
From 166 BRL per month · Free trial🇧🇷
Brazilian financial management for companies, accounting firms and finance BPO that reads bank slips, invoices and statements with AI.
Contact for pricing🇺🇸
AI treasury platform for cash, payments and reconciliation with a self-correcting 13-week forecast and customizable AI agents.
Contact for pricing🇫🇮
Finnish treasury and cash management suite with bank connectivity, payments and AI forecasts that select their own models.
Contact for pricing🇺🇸
AI accounts payable automation for hospitality, retail and healthcare that captures, codes, approves and pays invoices, with a Copilot and MCP access.
Contact for pricing🇺🇸🇧🇷
Reconciliation and financial control platform for high transaction volumes with the Simetrik Agent and AI-assisted accounting logic.
Contact for pricing🇺🇸
Order-to-cash software with AI agents for collections, cash application, supplier portals and receivables forecasting.
From $24,000 per year🇺🇸
Cash visibility and treasury platform with normalized bank data, AI tagging, machine learning forecasts and the Trovata AI assistant.
Contact for pricing🇺🇸
Accounts payable software for midsize and large finance teams whose AI reads, codes and PO-matches invoices and sorts vendor email.
From 17,000 NGN per user/month🇳🇬
Finance platform from Lagos for expenses, corporate cards and payments whose AI, BRAIN, processes receipts and flags anomalies.
Contact for pricing🇮🇳
Mumbai AP platform for large Indian companies with AI invoice capture, GST checks, vendor payments and supply chain finance.
Contact for pricing🇺🇸
AI suite from FIS for corporate treasury with machine learning cash forecasts, the Treasury GPT assistant and payment fraud detection.
Contact for pricing🇺🇸
New York AI agents that run close, reconciliation, revenue recognition and cash forecasting on top of an existing ERP.
Contact for pricing🇩🇪🇺🇸
Finance process software focused on order-to-cash, using AI to capture incoming payments and match them to open items, closely tied to SAP.
Contact for pricing🇩🇪
Berlin-based cloud platform for payments and cash management with connections to 11,000+ banks, AI cash forecasting and an AI assistant.
Contact for pricing🇺🇸
Treasury software from Spokane with modules for cash, entities and payments, AI categorization, ML forecasts and an MCP server.
Contact for pricing🇺🇸🇬🇧
US payments and cash management software with the AI agent Bea, AI-assisted cash forecasting and AI alerts on unusual payments.
Contact for pricing🇺🇸
AI treasury automation from New York, part of Tipalti since 2025, with cash visibility, AI forecasts, AI insights and AI reconciliation.
Short entry🇬🇧
FCA-regulated finance automation platform from London covering treasury, accounts payable and payroll runs.
Short entry🇨🇴
Colombian business payments platform for local and cross-border payments, collections and multi-bank aggregation.
How to choose AI treasury and cash management software (October 2026)
Treasury software shows cash across all bank accounts, runs payments and forecasts liquidity. The AI tags each transaction as it arrives, reconciles bank lines against the ledger, forecasts cash flows from bank and ERP history and explains variances between forecast and actuals. In larger systems, agents prepare cash positions, payment briefs or cash sweeps on a schedule and wait for human approval before any money moves.
TIS from Berlin connects to more than 11,000 banks and recalibrates its AI cash forecast continuously. Agicap from Lyon explains variances between actuals and forecast and integrates with DATEV. Tidely from Munich creates an AI liquidity forecast with hosting in Germany. The GSmart agents in Ripple Treasury propose actions together with the cited policy clause and wait for approval. Kantox's assistant Knox is read-only and strips account numbers and bank codes before processing.
Check bank connectivity first: EBICS for German banks, SWIFT or APIs for international accounts, and whether all your banks are covered. Payments need four-eyes approval, separate signing rights and a complete audit trail, especially when agents prepare them. Forecasts should connect to DATEV, SAP or NetSuite so that open items feed in automatically. Clarify which AI functions can trigger payments at all. Ask for a SOC 1 or ISAE 3402 report, the hosting location and a data processing agreement.
Questions about AI treasury and cash management software (October 2026)
What is the difference between a cash flow forecast and a budget?
A budget plans income and expenses for the year. A cash flow forecast shows when money actually arrives and leaves the bank account, often week by week, so that the company sees liquidity gaps in time.
Is treasury software worth it for a midsize company?
Once several bank accounts, entities or currencies are involved, a central view saves daily manual work. Tools such as Agicap, COMMITLY and Tidely target small and midsize companies and connect to DATEV.
Can an AI agent move money on its own?
The treasury tools in this directory prepare payments and wait for approval. Keep separate signing rights and four-eyes approval in the bank connection itself, so that no software can bypass them.
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