
AI-powered finance platform for startups. Automate payroll, invoicing, and more
Visit WebsiteThe Bottom Line
Entry price
Free plan available, paid tiers above
Biggest pro
Consolidates multiple financial tools into one platform, reducing tool sprawl.
Biggest con
Primarily focused on startups, which might limit its applicability for larger or more established businesses.
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.
What is Seapoint?
Available on: Web
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
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
Pricing Plans
Free TrialPricing checked Jul 7, 2026
Free
€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
How Seapoint's pricing compares
At €29/mo, Seapoint is mid-range of its 4 direct competitors (€20 to €50/mo across the set).
Entry paid plan, monthly. Pricing checked Jul 7, 2026.
Reviews

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Still deciding?
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Seapoint FAQ
How does Seapoint help startups manage their finances more efficiently?
Which teams would benefit most from using Seapoint?
How is Seapoint priced?
What kind of financial products does Seapoint integrate directly into its platform?
Can Seapoint integrate with existing accounting software?
How does Seapoint compare to a competitor like Mercury?
What are the main limitations a business might encounter with Seapoint?
Source: seapoint.co