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Float vs Modern Treasury: Which Treasury Management Is Better in 2026?

Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.

Float
Float
Rating
,
Reviews
0
From
Custom

in Treasury Management

Modern Treasury
Modern Treasury
Rating
,
Reviews
0
From
Custom

in Treasury Management

Jump to scorecard Ask SIA

The Short Answer

Float vs Modern Treasury, in 15 seconds

Choose Float if…

  • You want to trial before paying

Choose Modern Treasury if…

  • You have strict security & compliance needs

Head-to-Head Scorecard

How Float and Modern Treasury score

It's evenly matched, each leads on 1 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Float
    No reviews
    Modern
    No reviews

  • Review Volume

    Number of verified reviews, a proxy for adoption

    Even
    Float
    0
    Modern
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    Float
    Custom
    Modern
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Float
    Float
    Free trial
    Modern
    Paid only

  • Integrations

    Number of listed third-party integrations

    Even
    Float
    6
    Modern
    6

  • Features

    Number of listed product capabilities

    Even
    Float
    0
    Modern
    0

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    Float
    ,
    Modern
    ,

  • Security & Compliance

    Number of listed compliance certifications

    Modern Treasury
    Float
    2
    Modern
    3

  • Platforms & Deployment

    Supported platforms and deployment options

    Even
    Float
    4
    Modern
    4

Feature Comparison

Float vs Modern Treasury feature breakdown

Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.

Float
Modern Treasury
Overview
User rating
,
,
Pricing model
Quote-based
PAID
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
,
,
AI features
,
,
Integrations & API
Integrations
XeroQuickBooksNetSuiteSAPSageOpen Banking
PlaidStripeNetSuiteQuickBooksAlloyIncrease
Public API
Platforms
Deployment
CloudSaaS
CloudSaaS
Platforms
WebAPI
WebAPI
Mobile support
Security & Compliance
Compliance
SOC 2GDPR
SOC 2PCI DSSGDPR
Vendor
Company
,
,
Verified
Founded
2013
2018
Headquarters
Edinburgh, United Kingdom
San Francisco, California, United States

Pricing Comparison

Float vs Modern Treasury pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

Float

Custom to start
ProfessionalCustom
  • scenario planning
  • cash flow forecasts
  • Analytics and reporting
  • Standard support
EnterpriseCustom
  • Dedicated support and onboarding
  • Xero and QuickBooks sync
  • Advanced security and controls
  • Everything in Professional

Modern Treasury

Custom to start
PaymentsCustom
  • ACH, wire, RTP
  • Reconciliation
  • Bank connectivity
  • APIs
PlatformCustom
  • Everything in Payments
  • Approval workflows
  • Dedicated support
  • Ledgers

Total cost of ownership factors

Free planFloat Modern
Free trial to evaluateFloat Modern
Transparent published pricingFloat Modern
Public API (build vs. buy add-ons)Float Modern

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

Float vs Modern Treasury: strengths and trade-offs

Float

Pros

  • Free trial offered
  • Compliance: SOC 2, GDPR
  • Public API available

Cons

  • No free plan
  • Pricing is quote-based (less transparent)

Modern Treasury

Pros

  • Compliance: SOC 2, PCI DSS, GDPR
  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)

Buyer Fit

Who should use Float vs Modern Treasury?

Startups

Either

Either keeps early-stage costs lowest with its entry tier.

Small businesses

Either

Either offers the most accessible pricing for lean teams.

Agencies

Either

Either connects to more tools for multi-client workflows.

Enterprises

Modern Treasury

Modern Treasury leads on compliance and breadth for complex needs.

Ecommerce

Either

Either integrates with more of the commerce stack.

SaaS companies

Either

Either is the more developer- and automation-friendly choice.

Integration overlap

Shared integrations (2)

QuickBooksNetSuite

Only in Float (4)

XeroSAPSageOpen Banking

Only in Modern Treasury (4)

PlaidStripeAlloyIncrease

Keep Exploring

Other alternatives worth considering

Similar treasury management products buyers compare alongside Float and Modern Treasury.

CashAnalytics

CashAnalytics

Custom
Tesorio

Tesorio

Custom
Kyriba

Kyriba

Custom
Agicap

Agicap

Custom
Trovata

Trovata

Custom
Increase

Increase

Custom
More Float alternatives →More Modern Treasury alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs Float and Modern Treasury against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.

Get a personalised recommendation

Float vs Modern Treasury, Frequently Asked Questions

What is the difference between Float and Modern Treasury?

Float and Modern Treasury are both Treasury Management solutions. Float is rated 0.0/5 by 0 users, while Modern Treasury is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.

Which is better, Float or Modern Treasury?

Based on user ratings, Float scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

Which is cheaper, Float or Modern Treasury?

Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.

Does Float or Modern Treasury have a free plan?

Neither Float nor Modern Treasury currently offers a free plan, but Float provides a free trial.

Can I switch from Float to Modern Treasury?

Switching between Float and Modern Treasury is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.

Who should use Float vs Modern Treasury?

Float is best suited for teams that prioritise enterprise features. Modern Treasury works well for teams needing advanced capabilities.

Our Verdict

The bottom line on Float vs Modern Treasury

Best Overall

Either

It's a tie balances user satisfaction and proven adoption.

Best for Startups

Either

It's a tie has the friendliest entry point for new teams.

Best for Enterprise

Modern Treasury

Modern Treasury leads on compliance and feature breadth.

Best Value

Either

It's a tie delivers the lowest cost to get started.

Best AI Features

Either

Comparable AI capabilities on both sides.

Highest Rated

Either

Both earn equal user ratings.

Ready to decide between Float and Modern Treasury?

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