Cobase
- Company typePrivate
- Founded2016
- HeadquartersAmsterdam, Netherlands
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Cobase firmographics
Firmographics- Name
- Cobase
- Legal name
- Financial Transaction Services B.V.
- Website
- https://cobase.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Cobase industry classification
Industry- Product category
- Multi-bank Treasury Management Software
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industry
- Digital Banking & Neobank Platforms (BPAMAFAD)
Keywords
Where Cobase is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Cobase business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription (Multi-bank Treasury Platform): B2B SaaS subscription model providing access to the Cobase multi-bank treasury, payments, and cash management platform. Modular design allows clients to add Treasury Modules (in-house banking, cash pooling, forecasting, FX, debt management, money markets) to the base Payment Hub. Pricing is quote-based and likely tiered by number of banks, accounts, entities, and modules activated.
- Bank Connector / ERP Integration Module: Cobase Bank Connector for Oracle NetSuite, Microsoft Dynamics 365 Business Central, and SAP S/4HANA provides ERP-bank connectivity as a module or standalone product. This is bundled into the SaaS subscription, with integration and support handled in-house.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based enterprise SaaS pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Cobase product offering
Product offeringCore offering
Cobase provides a cloud-native, multi-bank SaaS platform that serves as a single point of access to all of a corporate's banks, accounts, payments and treasury operations. Its offering combines a Bank Connector (integrating ERP systems such as Oracle NetSuite, Microsoft Dynamics 365 Business Central and SAP S/4HANA with bank connectivity), a Payment Hub (consolidated payment initiation, approval, user management and reporting) and modular Treasury capabilities (in-house banking, cash pooling, forecasting, FX execution and hedging, debt management and money markets), connected to 300+ banks via SWIFT, Host-to-Host, EBICS and premium banking APIs.
Product overview
Cobase is a modular multi-bank treasury management platform that combines the functionality of a Payment Hub, Cash Management tool, and Treasury Management System into a secure, cloud-native environment. The core platform consists of Bank Connector (for ERP integrations with Oracle NetSuite, Microsoft Dynamics 365 Business Central, and SAP S/4HANA), the Payment Hub (for consolidated payments and cash management), and Treasury Modules (add-on capabilities for in-house banking, cash pooling, forecasting, FX, debt management, and money markets). These components work together to provide a single point of access to all banks, accounts, payments, and liquidity management across organizations. The platform supports connectivity to 15,000+ banks via SWIFT, Host-to-Host, EBICS, and Premium APIs, and is designed for scalability supporting 5,000+ users across 90+ countries. Cobase is part of Corpay Cross-Border Solutions, the global payments and currency risk management division of Corpay, Inc. (NYSE: CPAY).
Differentiator
Problem solved
Functional benefit
Products and services
- Bank Connector Connects cloud-based ERP systems (Oracle NetSuite, Microsoft Dynamics 365 Business Central, SAP S/4HANA) to corporate bank accounts via pre-configured certified bank connectors, supporting SWIFT, Host-to-Host, EBICS and API channels for multi-bank connectivity.
- Payment Hub Consolidates all payments and cash management in one secure platform with real-time visibility, unified user management and reporting. Supports centralized payment initiation, approval workflows and tracking across all banks and entities.
- Treasury Modules Modular treasury capabilities that extend the Payment Hub into a full Treasury Management System, covering in-house banking, cash pooling, cash flow and liquidity forecasting, foreign exchange and risk management, debt management and money markets.
Quantifiable outcome
- Go-live in 4-8 weeks (vs. months for competitors)
- +5 more outcomes
Companies that use Cobase
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles4 records
Cobase technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability2 records
Feature9 records
Cobase partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and supporting.
- StariacoreStrategic partnership uniting Cobase's multi-bank connectivity with Staria's proven NetSuite expertise. Staria, the leading NetSuite partner and Oracle NetSuite EMEA Solution Provider Partner of the Year 2024, leverages Cobase's SuiteApp for NetSuite to provide robust, multi-bank connectivity fully integrated within the NetSuite environment. Together they help businesses streamline international banking operations.
- NovutechcoreStrategic partnership with Novutech, the leading consulting firm specialized in NetSuite ERP integrations. Cobase Bank Connector SuiteApp for Oracle NetSuite combined with Novutech's implementation expertise delivers automated payment processing, enhanced compliance, centralized bank connections, and professional implementation support across Benelux, France, and Denmark.
- idynsupportingidyn, a leader in developing productivity apps and integrations for Microsoft Dynamics 365 Business Central, partnered with Cobase to provide Business Central users with seamless, secure, and efficient multi-bank connectivity through idyn's Direct Banking – Cobase app. This enables payment management, reconciliations, account reporting, and multi-bank connectivity directly within Business Central.
- Orchard FinancesupportingOrchard Finance is a leading independent advisory organization specializing in Treasury, Debt Advisory, Corporate Finance, Risk, and Staffing. A trusted partner since Cobase's launch of its first Bank Connectivity platform, Orchard Finance provides implementation advisory, project management, and staffing services. They have contributed to Cobase's growth from inception.
- RabobankcoreCobase and Rabobank partnered to accelerate the adoption of embedded banking for corporate clients by combining Rabobank's Premium APIs with Cobase's treasury and bank connectivity platform. This enables companies to access banking services directly within their existing systems, making payments, account management, and liquidity more seamless and efficient.
- BDO Accountants & AdviseurssupportingBDO is an internationally active consultancy firm providing Audit & Assurance, Tax & Legal, Accounting & Reporting, and Advisory services. Their ERP strategy alignment, rapid deployment, and project management expertise complements Cobase's bank connectivity and automation capabilities, extending reach to a wider group of ERP users.
- ZanderssupportingZanders is a global independent treasury and risk consulting firm with over 30 years of experience and more than 500 employees across ten offices in Europe, Middle-East, US, and Asia. Specializes in treasury strategy and optimization, technology selection and implementation, financial and non-financial risk management, and regulatory compliance. Collaborates with Cobase to deliver innovative treasury solutions.
- Pecunia Treasury & FinancesupportingPecunia Treasury & Finance is a specialist treasury consultancy and interim network supporting corporates across Europe, US, and the Middle East. Provides interim treasury experts for global cash pooling, in-house banks, TMS and payment hub implementations. Combines Pecunia's deep treasury knowledge with Cobase's multi-bank connectivity to help clients simplify bank integration and reduce manual work.
- Treasury MastermindssupportingTreasury Masterminds is an inclusive online forum for treasury professionals providing open discussions, collaboration, and knowledge-sharing. Built by treasurers, for treasurers, it partners with Cobase to support the treasury community and make life easier for treasurers through shared insights and resources.
- TMI (Treasury Management International)supportingTMI is a well-respected, independent voice in the treasury world, renowned globally for sharp editorial focus and breadth of opinion. TMI publishes industry-leading articles, hosts the Treasurycast podcast, and organizes events and conferences globally. TMI is the exclusive media partner for the European Association of Corporate Treasurers (EACT) and an International Media Partner for the Association for Financial Professionals (AFP).
Scale indicators10 records
Recent moves11 records
Expansion highlights6 records
Cobase competitors and assessment
Company assessmentEmerging players
- Modern Treasury: US-focused payments operations platform offering bank connectivity, payment initiation, and reconciliation. Comparable to Cobase's payment hub capabilities for corporate use cases, primarily serving North American customers.
- Trovata: Cloud-native cash management and treasury analytics platform using open banking APIs. Competes with Cobase on cash visibility and forecasting, with a more modern API-first architecture but narrower treasury scope.
Broad incumbents
- SAP Treasury Management (S/4HANA Finance): Native treasury and cash management module within SAP S/4HANA, covering bank connectivity, payments, in-house banking, and FX. A broad incumbent that competes with Cobase especially in large SAP-installed-base enterprises.
- HighRadius: Large AI-powered finance automation platform covering treasury, cash application, AR, AP, and order-to-cash. Its treasury and cash management modules overlap with Cobase, particularly for mid-market and large enterprise corporates.
- FIS (Fidelity National Information Services): Large financial technology incumbent offering treasury, cash management, and bank connectivity solutions as part of a much broader portfolio. Overlaps with Cobase on multi-bank connectivity and corporate treasury workflows.
Direct peers
- TIS (Treasury Intelligence Solutions): SaaS-based treasury and cash management platform focused on payment hub, bank connectivity, and cash visibility for corporates. Directly comparable to Cobase in target customer (mid-market and enterprise corporates), multi-bank connectivity, and ERP integrations.
- GTreasury: SaaS treasury management platform offering cash visibility, bank connectivity, payments, FX, and risk. Directly comparable to Cobase in feature scope and target enterprise customer profile, with strong ERP integration heritage.
- BELLIN: European-headquartered treasury management system vendor offering multi-bank connectivity, cash management, and FX modules. Highly comparable to Cobase in geography, customer segment, and product scope.
- Kyriba: Cloud-native treasury and finance platform offering multi-bank connectivity, payment hub, cash management, FX, and risk modules. Closest direct competitor to Cobase in the cloud TMS market, often competing head-to-head for large multinational corporate treasury RFPs.
- Bottomline Technologies (TreasuryXpress): Provides a cloud-based treasury and payment platform (TreasuryXpress) covering bank connectivity, cash management, and payments. Directly competes with Cobase in multi-bank connectivity and ERP integration use cases for corporate treasuries.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Cobase social profiles
Digital presenceCobase compliance and trust
Trust signalCompliance4 records
Cobase financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cobase leadership team
Management profileNumber of profiles
Profiles4 records
Cobase funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cobase M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cobase
What does Cobase do?
Cobase provides a cloud-native, multi-bank SaaS platform that serves as a single point of access to all of a corporate's banks, accounts, payments and treasury operations. Its offering combines a Bank Connector (integrating ERP systems such as Oracle NetSuite, Microsoft Dynamics 365 Business Central and SAP S/4HANA with bank connectivity), a Payment Hub (consolidated payment initiation, approval, user management and reporting) and modular Treasury capabilities (in-house banking, cash pooling, forecasting, FX execution and hedging, debt management and money markets), connected to 300+ banks via SWIFT, Host-to-Host, EBICS and premium banking APIs.
Is Cobase a public or private company?
Cobase is a private company. It is classified as corporate owned and is currently operating.
When was Cobase founded?
Cobase was founded in 2016. It employs 51 to 100 people.
Where is Cobase based?
Cobase is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Cobase make money?
Two revenue lines are on record. SaaS Subscription (Multi-bank Treasury Platform) is the primary driver. The others are bank Connector / ERP Integration Module.
Who are Cobase's main competitors?
Emerging players on record are Modern Treasury and Trovata. Broad incumbents are SAP Treasury Management (S/4HANA Finance), HighRadius and FIS (Fidelity National Information Services). Direct peers are TIS (Treasury Intelligence Solutions), GTreasury, BELLIN, Kyriba and Bottomline Technologies (TreasuryXpress).
Does Cobase have an API?
Yes. Cobase provides API connectivity enabling real-time bank integration. The platform supports outbound payment initiation with automatic format conversion (PAIN.001 XML, proprietary CSV, country-specific formats) routed through SWIFT, Host-to-Host, EBICS, and API channels. Inbound bank feeds are automated via CAMT.053 XML format. The platform integrates with 15,000+ banks globally through these connectivity methods. Cobase also offers a certified NetSuite SuiteApp for native integration.
What industry is Cobase in?
Cobase's product category is Multi-bank Treasury Management Software. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of BPAMAFAD, Digital Banking & Neobank Platforms.