Dibein

Overview

Dibein is a cash-planning workspace for finance teams that connects banking and accounting data to forecasts, scenarios, transaction checks and finance answers. It is best suited to growing companies that want these tasks tied to a shared live forecast. Its appeal is the combination of planning and transaction analysis; the main trade-off is that the fuller forecasting horizon and most useful capacity sit behind paid tiers.

It runs on the web and offers API access. A sample-data playground requires no signup, giving prospective users a way to explore before connecting accounts. The company was founded in 2024 and is based in Rueil-Malmaison, France.

Key features

Forecasting and scenarios

Cash Flow Copilot rebuilds a rolling forecast daily, with views by customer, vendor and category and a confidence band. Starter covers 13 weeks, while Growth adds a 12-month horizon. That distinction matters: the free tier can support near-term cash visibility, but longer-range planning requires an upgrade.

Scenario Studio models changes to hiring, payment terms, pricing, costs and debt against the live forecast. Teams can save, compare and share scenarios, and export board-ready versions. This is a useful fit for finance groups that need to communicate the assumptions behind a forecast, not just its projected balance.

Transaction checks and finance questions

Anomaly Radar compares transactions with vendor, category and amount patterns to surface possible duplicates, subscription creep and unusual vendor activity. Starter keeps only seven days of history, so it offers a limited window for reviewing patterns; Growth includes full history.

Ask Dibein responds to questions using connected forecast, ledger and transaction data, cites source rows, and declines questions it cannot answer confidently from that data. Growth caps usage at 50 queries a month; Scale removes that quota. Those safeguards make the feature more grounded than an open-ended chatbot, but the Growth allowance may constrain frequent users.

Connections and data safeguards

Bank connections include Qonto, Revolut Business, N26 Business, BNP Paribas, Société Générale and SEPA banks. Accounting and ERP connections include Pennylane, QuickBooks, Xero and Sage; NetSuite is included on Scale. The maker says bank feeds use read-only AISP connections under PSD2, with EU/EEA hosting and TLS 1.2+ encryption in transit and AES-256 at rest. Its first SOC 2 Type II audit is underway, with completion targeted for H1 2027.

The maker says customer data is not used to train models shared across customers. When a source is disconnected, synced data is removed from active systems within 30 days, with backups aging out over a rolling 90-day cycle. These are relevant safeguards for sensitive finance data, though SOC 2 completion remains a future target.

Pricing

Starter is free indefinitely, not a time-limited trial, and includes one bank connection, one accounting connection, a rolling 13-week forecast, up to two seats and seven days of Anomaly Radar history. Community support is the trade-off. It is a credible way for a small team to assess near-term forecasting, but not a substitute for long-range planning or deeper monitoring.

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 Radar history, up to eight seats, email support and 50 Ask Dibein queries a month. This is the practical choice for a growing finance team that needs the complete planning workflow but can work within the query allowance and seat cap.

Scale costs €449 a month, with annual billing 15% cheaper. It includes everything in Growth, plus multi-entity consolidation, multi-currency forecasting, unlimited Ask Dibein queries, Slack and email digests, API access, unlimited seats and priority support by the next business day. It is aimed at larger or more complex operations; teams that do not need those additions may find Growth the better fit.

Enterprise has custom pricing under an annual contract; most agreements land between €18,000 and €65,000 per year. It includes Scale features, SSO/SAML, custom data retention, a dedicated customer success manager, onboarding support, a custom SLA, and security questionnaire and DPA support. This tier suits buyers needing those controls and service commitments, rather than teams simply seeking more forecast capacity.

There is no time-boxed free trial; the sample-data playground provides a no-signup preview instead. Starter has community support, Growth email support, Scale next-business-day priority support and Enterprise a dedicated customer success manager.

Platforms

Dibein is available on the web and via API. Direct bank feeds and ERP integrations support connected data workflows; API access is included in Scale.

Who it's for

Dibein makes the most sense for finance teams at growing companies that need recurring cash forecasts, scenario comparisons and transaction monitoring in one connected workflow. Starter may suit a small team testing short-horizon forecasts, while Growth is the natural step for teams needing 12-month visibility and broader connections. Scale is better aligned with multi-entity, multi-currency or larger-seat needs. Businesses seeking a broad treasury suite or a workflow beyond these planning and data functions should compare other options.

Pros and cons

• Pros: Daily forecasts combine a confidence band with customer, vendor and category detail, giving teams more context than a single cash balance.
• Pros: Scenario saving, comparison, sharing and board-ready export support both internal planning and stakeholder communication.
• Pros: Ask Dibein cites source rows and can decline unsupported questions, while anomaly checks focus on concrete transaction patterns.
• Pros: An indefinite free tier and sample-data playground let teams explore without a trial deadline or initial account connection.
• Cons: Starter stops at 13 weeks, one bank and accounting connection, two seats and seven days of anomaly history.
• Cons: Growth limits Ask Dibein to 50 queries monthly and eight seats; unlimited usage and seats require Scale.
• Cons: Enterprise uses an annual contract and custom pricing, which may be a substantial commitment for buyers needing its controls.
• Cons: The first SOC 2 Type II audit is still underway, so organizations requiring completed SOC 2 status may need to look elsewhere.

Alternatives

Cash Forecasting Software is a useful starting point for comparing the category. Predict.ai is another freemium web option for readers considering a free-plan alternative.

For a paid option with web, Android and iOS access, Kyriba offers custom pricing through a demo request. Cash4 is another paid web and API option with no published plan price. Financial Navigator Liquidity Forecasting, Nomentia Cash Flow Forecasting and ZenTreasury are paid web alternatives.

Agicap may suit buyers who want a free trial and mobile apps; it has no free plan, requires a minimum 12-month subscription and does not display pricing. Calxa may suit teams comparing priced monthly plans: Premier1 costs $18 a month for one organisation and unlimited users, with extra organisations at $18/mo; Premier5 costs $225 a month.

Verdict

Dibein is a strong match for growing-company finance teams that want forecasts, scenario work and transaction review grounded in connected financial data. Its best reason to choose it is the coherent link between live forecasts, assumptions, anomalies and cited answers. Choose Growth for the full core workflow; look elsewhere if completed SOC 2 status is essential, or if Starter's short horizon and narrow limits are all that fit the budget.