Lean treasury – finances under control.
Your invaluable data from many financial institutions in one place. Clear visibility of cash, debt and transaction history for efficient management of liquidity and currency risk.
Cash spread across many banks and spreadsheets?
Many banks, many logins
To establish how much cash is available, you have to log in to every bank separately and copy the balances into a spreadsheet – time-consuming manual work that is prone to errors.
Reports outdated on arrival
Building a liquidity report by hand takes a lot of time and does not always reflect the actual opening balances and the morning's transactions.
What matters, out of sight
Total credit line usage, currency exchange deals or bank fees charged – all scattered across many banks – are hard to add up and keep under control day to day.
The whole picture of your finances, every day
All accounts in one place
All bank accounts of the entities you control in one list, with the current balance and a chart of changes over time. Shown in any currency you choose.
Liquidity dashboard
Balances held on accounts and unused credit lines – in short, available liquidity – and the organisation's net debt, with historical trends.
Categorised cash flows
Actual inflows and outflows, classified automatically (taxes, social contributions, payroll, bank fees, interest, currency exchange). Your own categorisation rules and manual reclassification.
Currency risk
Currency position, separated currency exchange deals, deal rates against budget rates and FX differences on bank transactions.
Credit lines under control
A clear summary of how your credit lines are used, including lines shared within a group of companies.
Intercompany and own transfers
Transfers between your own accounts and between controlled entities are recognised automatically, so they do not distort the picture of real cash flows in the organisation.
Technical and VAT accounts
Easily adapt the application to individual needs and non-standard financing structures with technical accounts, plus visibility of VAT accounts.
Early warnings
Unauthorised negative balances, credit lines close to the limit, expiring bank consents or gaps in data – all on one Needs attention list.
Works with the banks you already have
Remarkably easy to roll out in your organisation – no change of banks, no software to install, no help needed from your IT team. Thanks to open banking, you can connect accounts from as many as 2,500 banks across Europe in the app.
Open banking
Grant the necessary consents in your online banking in a few minutes. With them we rebuild the activity on your bank accounts: you see not only current balances but also valuable analyses covering even several months back.
Integration with banks outside the EU and without open banking
Flexible, encrypted data exchange with banks based on standardised ISO 20022 formats.
Data checked for completeness
The application reconciles balances with transactions – any gaps are detected and filled automatically with the next reads.
For people responsible for the money of a company or a group of companies
Especially for organisations working with several banks, with many entities in their structure (including branches abroad) or with turnover in many currencies.
Business owner
How much money the whole organisation has – across all banks, at a glance.
CFO and Finance Director
One picture of the group's liquidity and debt, ready for every board meeting.
Treasurer
Daily cash and currency position without logging in to banks.
Controller
Source data from banks, ready for analysis and for checking postings in ERP systems.
Fully configurable user access to data – access by role and entity.
From first contact to data in four steps
Contact form
Send us the short contact form below.
Conversation and offer
We discuss your needs, tell you about our solutions and prepare an offer.
Access for your company
We set up your company in the system together with its administrator account and securely hand over the first-login details. You add further users and any group entities yourself.
Connecting banks
You connect your banks – balances and transactions start arriving automatically once an account is assigned to a company previously defined in the system.
Built for sensitive financial data
polybanking uses open banking – more precisely, the AIS (Account Information Service), which by design provides read-only access to bank data.
Read-only
The application cannot make payments or change anything in your bank. Access requires your consent and can be revoked at any time.
Licensed TPP
Bank connections run through a licensed account information service provider (TPP). Your bank login details never reach us.
Encryption
Account numbers, counterparties and payment titles are encrypted in the database (AES-256).
Separated client data
Each client sees only its own data – separation is enforced right in the database layer (Row-Level Security).
Two-factor login and audit trail
A password and a one-time e-mail code at every login; every operation is recorded in a tamper-protected event log.
Servers in the EU
Data is stored in the European Union, with encrypted daily backups.
Let's talk about your treasury
Access to polybanking is granted individually. Leave your details – we will contact you to understand your needs and prepare an offer.
Prefer to write directly?
contact@polybanking.app