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Seapoint

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AI-powered finance platform for startups. Automate payroll, invoicing, and more

From €29/mo (free plan available)
FreemiumFinanceAutomationAccountingInvoicing
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Tracked since2026

The Bottom Line

Price
From €29/mo (free plan available). Compare plans

Key facts

  • 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.

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.

What is Seapoint?

Editorial review
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.

Available on: Web

how we evaluateSourceseapoint.co ↗

Preview

Key Features

  • AI-native financial automation
  • Real-time reporting and cash flow visibility
  • AI-powered bookkeeping with Xero sync
  • Automated payroll processing with same-day payments
  • Invoice capture, approval, and payment automation
  • Multi-currency business accounts (GBP, EUR, USD)
  • Virtual team cards with real-time spend controls
  • Integrations with 2,000+ banks, Gmail, and Stripe

Pricing Plans

Free Trial

Pricing checked Sep 26, 2026

Seapoint plans and prices, checked September 2026
PlanPriceDetails
Free

€0 / month

  • Business account (EUR + GBP)
  • Team cards (3 physical, 10 virtual)
  • Payroll (3/month)
+5 more
  • 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
+3 more
  • 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
+4 more
  • Approval workflows & IAM
  • Unlimited team members
  • Unlimited connected email accounts
  • Priority support
Calculate your costView full pricing

Is Seapoint worth the price?

Good value

Seapoint's pricing is fair, offering a generous Free tier and a well-priced Data & Reporting tier at €29/month for enhanced analytics.

The Growth tier at €199/month seems a bit steep for AI bookkeeping and unlimited team members, especially compared to competitors. It's best for small to medium businesses prioritizing cash flow management and basic accounting automation.

Hidden Costs & Gotchas

Limited payroll transactions in Free tier (3/month).

Specific advanced features like Xero sync only in Growth tier.

Potential costs for additional physical team cards beyond 3.

How Seapoint's pricing compares

Seapoint starts at €29/mo, billing unit not specified. Its direct competitors are priced on a different basis (per user, or in another currency), so each entry price below is shown with its own unit and currency and is not ranked against the others.

Seapoint
€29/mo, billing unit not specified
QuickBooks
$38/mo, billing unit not specified
Odoo
$31.10/user/mo
Mercury
$20/mo, billing unit not specified
Float
$50/mo, billing unit not specified

Entry paid plan, monthly, in each tool's own currency. Pricing checked Sep 26, 2026.

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Still deciding?

Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.

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Seapoint FAQ

How does Seapoint help startups manage their finances more efficiently?

Seapoint unifies payroll, invoicing, treasury management, and bookkeeping into a single AI-native platform. This consolidation eliminates tool sprawl and automates tasks like transaction categorization and invoice processing, saving startups significant time on financial administration.

Which teams would benefit most from using Seapoint?

Seapoint is designed primarily for startups seeking to streamline their financial operations. It is particularly beneficial for founders and small finance teams looking to automate tasks and gain real-time insights into cash flow, burn rate, and runway.

How is Seapoint priced?

Seapoint is available on a free tier, which provides access to core features. Paid plans are offered for users requiring more extensive usage and advanced functionalities.

What kind of financial products does Seapoint integrate directly into its platform?

Seapoint offers integrated financial products including multi-currency business accounts for GBP, EUR, and USD. It also provides virtual team cards with customizable spend controls, all managed from a consolidated dashboard.

Can Seapoint integrate with existing accounting software?

Yes, Seapoint integrates with existing accounting software such as Xero. This integration, along with AI-powered categorization, simplifies bookkeeping and month-end processes for users.

How does Seapoint compare to a competitor like Mercury?

Seapoint consolidates payroll, invoicing, treasury management, and bookkeeping into one AI-native platform, aiming to reduce tool sprawl. It also offers integrated multi-currency business accounts and virtual cards, providing a unified system for financial operations.

What are the main limitations a business might encounter with Seapoint?

Seapoint is primarily focused on startups, which may limit its suitability for larger or more established businesses with complex financial structures. Additionally, some features like 'Seapoint MCP' and physical cards are still in development.

Source: seapoint.co

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