TL;DR - Seapoint
- Automates payroll, invoices, treasury, and bookkeeping for startups.
- Consolidates financial operations and provides real-time cash flow visibility.
- Offers integrated business accounts and virtual cards with AI-powered automation.
Pricing: Free plan available
Best for: Growing teams
5.0/5 across review platforms
Pros & Cons
Pros
- Consolidates multiple financial tools into one platform, reducing tool sprawl.
- Automates time-consuming financial tasks, saving 10-20 hours per month.
- Provides real-time financial insights like cash, burn, and runway.
- Offers integrated financial products like business accounts and virtual cards.
- AI-powered categorization and Xero sync simplify bookkeeping and month-end processes.
Cons
- Primarily focused on startups, which might limit its applicability for larger or more established businesses.
- Some features like 'Seapoint MCP' and physical cards are listed as 'coming soon' or in development.
Ratings Across the Web
5(6 reviews)
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
AI-native financial automationReal-time reporting and cash flow visibilityAI-powered bookkeeping with Xero syncAutomated payroll processing with same-day paymentsInvoice capture, approval, and payment automationMulti-currency business accounts (GBP, EUR, USD)Virtual team cards with real-time spend controlsIntegrations with 2,000+ banks, Gmail, and Stripe
Pricing Plans
Free TrialFree
€0/month
- Business account (EUR + GBP)
- Team cards (3 physical, 10 virtual)
- Payroll (3/month)
- Invoice Pay
- Bank connections (up to 2)
- AI transaction categorisation & cash flow (90 days)
- Team members (up to 3)
- Email support
Data & Reporting
€29/month
- Everything in Free
- Unlimited account connections
- Full cash flow dashboard & reporting
- Full AI transaction categorisation
- Seapoint MCP (coming soon)
- Email support
Growth
€199/month
- Everything in Data & Reporting
- Xero sync & AI bookkeeping
- Unlimited Gmail invoice scanning & one-click pay
- Approval workflows & IAM
- Unlimited team members
- Unlimited connected email accounts
- Priority support
What is Seapoint?
Seapoint provides a unified financial platform designed for startups, offering AI-native automation for core financial operations. It integrates with existing bank accounts, email, and accounting software like Xero to provide real-time visibility and control over finances. The platform aims to eliminate tool sprawl by consolidating payroll, invoicing, treasury management, and bookkeeping into a single system.
This solution helps founders save significant time on financial administration by automating tasks such as transaction categorization, invoice processing, and payroll. It also offers integrated financial products including multi-currency business accounts (GBP, EUR, USD) and virtual team cards with spend controls, all accessible from a consolidated dashboard. Seapoint is built to provide clarity on cash flow, burn rate, and runway, enabling better financial decision-making for growing businesses.
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Seapoint FAQ
How does Seapoint ensure the security of funds?
Seapoint partners with regulated financial institutions like Modulr Finance B.V., an Electronic Money Institution authorized by the Dutch Central Bank. Funds are held in segregated accounts under the Electronic Money Regulations 2011, are not lent out, and are not used for corporate operations. For EEA customers, funds are held on trust by Stichting Custodian Modulr Finance, with an additional 2% regulatory capital requirement.
Can Seapoint integrate with my existing accounting software?
Yes, Seapoint offers a 2-way sync with Xero, ensuring your books are kept current in real-time without manual reconciliation. It also integrates with Gmail for invoice scanning and over 2,000 banks via open banking.
What types of business accounts does Seapoint offer?
Seapoint provides business accounts in GBP, EUR, and USD, allowing users to send and receive funds globally with transparent foreign exchange rates and no hidden markups.
How does Seapoint's AI assist with financial management?
Seapoint's AI categorizes transactions across all connected accounts and learns your spending patterns. It also automatically extracts invoice details from your inbox, surfacing sender, inbox, and full email body alongside the PDF for easy review and approval.
What is the pre-seed discount for the Growth plan?
Startups that have raised less than €1M and are under two years old can get the Growth plan at a 75% discount, costing €50/month for their first year, instead of the standard €199/month.
Does Seapoint replace my traditional bank account?
Seapoint offers its own business accounts and cards, but it is designed to work alongside your existing bank accounts by connecting them via open banking. This allows you to consolidate your financial view and automate processes without requiring you to switch banks entirely.
Source: seapoint.co