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See cash before it moves

Every balance and commitment as one number.

Your accounts, your connected banks, the bills waiting and the contracts about to charge, on one dashboard that looks ahead.

  • Every account in one total
  • Upcoming outflows from bills and contracts
  • A thin day flagged before it comes
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BankingAccountsTransfersTransactionsForecast
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Find anything…⌘K
All entities3JV
Morning JaneHere’s a quick look at how things are going.
This month
Weekly summary1 of 4

€21,300.00 came in and €36,445.00 went out this week. 1 bill is overdue. 4 bills are waiting for approval.

Listen to itNext
Balance

Across 5 accounts. Your business account holds €160,240.00.

€184,250.00

See accounts
Forecast

Your balance is lowest on 30 Oct, at €41,200.00. That’s €1,200.00 above your alert.

See forecast
Needs you

Waiting on you: 1 overdue bill and 4 approvals.

€14,862.40to pay

Open bill pay
Money in and out

€18,740.00 in and €12,325.00 out so far this month.

See cash flow
Invoices

You have 3 unpaid invoices and €21,880.00 outstanding. Kade Architecten is 9 days late.

Late €5,420.00Not due €16,460.00
See unpaid invoices
Next 7 days

Aalders Interieurbouw is due tomorrow. 3 more payments follow.

Going out€11,869.00
Coming in€7,260.00
See what’s coming
Spending

Tax is your biggest cost this month, 80% of what you spent.

Tax80%Software10%Travel5%
See transactions
Pay a billSend an invoiceTransferForecastMatch receipts
I want to pay the bills that are overdueI want to see which customers haven’t paid yetI want to understand where we spent more than usual this month
I want to…

Thirteen weeks ahead

Known bills, recurring charges and expected invoice payments are laid over your balance, so a thin week shows up while there is time to do something about it.

  • Bills and contracts included
  • Expected income from open invoices
  • Per account or in total
Cash forecastBalance, with known bills and contracts laid over it
13 weeks
Cash forecast, 13 weeks€0€100k€200kSepOctNovDec
Week of 26 Oct dips to €41,200.00: payroll and VAT land two days apart.
Two charges from Adyen on 30 Aug, €1,140.00 each, 11 minutes apart. Both matched to one bill.
Open bothNot a duplicate
Hetzner charged €214.60, against €189.00 every month since February.
Open invoice
Payroll runs 30 Sep for €24,120.00. Operating will be at €96,300.00 after it. Two bills are due the same day.
See cash position

Told, not asked

The assistant flags the payroll that lands on a thin day and the charge that moved. You read the finding, you decide.

  • Findings link to their records
  • Dismiss once, it stays dismissed
  • Also in Slack and WhatsApp

Every bank in the same number

Connect the accounts you already have. Read-only, under PSD2, and added to the same total as your Paygoro accounts.

  • 2,500+ European banks
  • Synced through the day
  • Revoke any time
AccountsEvery balance, one number
€184,250.00
OperatingPaygoro, EUR
€121,840.00
Tax reservePaygoro, EUR
€38,400.00
PayrollPaygoro, EUR
€0.00
ING ZakelijkConnected, read-only
€24,010.00
RabobankConnected, read-only
€0.00
13 weeks
of cash, looking ahead
2,500+
European banks connect
1 number
for every account you have

Also on Paygoro

  • Bank connections2,500+ European banks in one overview
  • ContractsEvery recurring charge, found and dated
  • AssistantAsk your finances anything, in plain words

Questions about see cash before it moves

Still something unanswered? Write in from the dashboard. A real human on the team replies.

Can I use Paygoro without opening a new business account?

Yes, and plenty of teams start that way. Connect a bank you already use and Paygoro pulls the balances and transactions into one overview, then handles bills, categorisation and reconciliation on top of it. The free plan covers one connected bank and 10 bills a month, with no card on file. Paying those bills from Paygoro is what needs a Paygoro account.

What can Paygoro see and do in my linked banks?

Linked banks connect read-only under PSD2. We read balances and transactions to build your overview, we never move money in them, and you can revoke a connection from the dashboard whenever you like. Payments only ever leave a Paygoro account.

How fast can I actually start?

Signing up and connecting your first bank takes a few minutes, and your transactions are there as soon as the first sync finishes. A Paygoro account takes longer because it is a real bank account: verification takes one to two business days for most companies, and the IBAN is live the same day we approve it.

Less admin.
More runway.

Bills, books and banking handled in one place. Start free with the bank you already have.

Free to start, no card needed.
A founder reading on a laptop under a warm lamp
Paygoro

The business account that closes the books. Built in Amsterdam.

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Paygoro business accounts, IBANs and SEPA payment services are provided through our regulated European banking partner. Account data from connected banks is retrieved under PSD2 with your explicit consent, and can be revoked at any time.

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