MoneyMonk
MoneyMonk B.V. is a Dutch cloud-based SaaS accounting platform built exclusively for Netherlands-registered sole proprietors (zzp'ers) and small businesses, offering invoicing, bank connections, tax filing, and AI-assisted automation under its own PSD2 license.
- Company typePrivate
- Founded2012
- HeadquartersUtrecht, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What MoneyMonk does
MoneyMonk B.V. is a privately held, bootstrapped Dutch SaaS company headquartered in Utrecht that builds a cloud-based online accounting platform exclusively for the Netherlands market. The platform serves self-employed professionals (zzp'ers) and Dutch small businesses (MKB) with end-to-end bookkeeping workflows spanning invoicing, quoting, time and mileage tracking, expense management, project administration, purchase invoice processing, receipt OCR scanning, asset depreciation, automated VAT (BTW) and income tax preparation, and financial reporting. Its technology stack is a RESTful JSON API backend built in Kotlin and TypeScript (with legacy PHP modules being migrated), delivered through a browser app and native iOS and Android apps. A distinguishing technical and regulatory asset is MoneyMonk's own PSD2 Payment Institution license (R161162) from De Nederlandsche Bank, which underpins its real-time bank-connection feature.
The company monetizes via a three-tier subscription model — a free Starter tier (15 months from KvK registration), Pro at €15/month introductory then €32.50/month, and Ultra at €37.50/month — distributed through a self-serve product-led growth motion on moneymonk.nl with a 30-day no-payment-details trial, complemented by a €30-per-trial affiliate program and a Boekhouderportaal channel through certified bookkeepers (Erkende Adviseurs) who resell subscriptions at their own pricing. Revenue is supplemented by payment-processor integrations (Mollie, Plug & Pay, iDEAL | Wero) and Peppol e-invoicing. AI is applied in two narrow but visible ways: a Mistral AI-powered customer support assistant (human-reviewed) and the Boekhoudrobot / receipt scanner for automated invoice matching.
MoneyMonk's strategic posture is that of a focused, category-leading niche player rather than a horizontal finance platform. It restricts onboarding to entities registered with the Dutch Chamber of Commerce, holds data on Dutch servers via ISO 27001/9001 and NEN 7510-certified hosting partner Exonet, and reports no parent, subsidiaries, or external funding. Brand reputation metrics (9.8/10 on Feedback Company across 800+ reviews, 4.8/5 on Google, 4.6/5 on the App Store) indicate category leadership within its chosen segment, while the absence of disclosed revenue, headcount growth, or funding limits visibility into commercial trajectory.
MoneyMonk firmographics
Firmographics- Name
- MoneyMonk
- Legal name
- MoneyMonk B.V.
- Website
- https://moneymonk.nl
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MoneyMonk B.V. is a Dutch cloud-based SaaS accounting platform built exclusively for Netherlands-registered sole proprietors (zzp'ers) and small businesses, offering invoicing, bank connections, tax filing, and AI-assisted automation under its own PSD2 license.
- Ownership category
- akta.pro rank
MoneyMonk industry classification
Industry- Product category
- Accounting Software
- NAICS
- Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Expense Tracking & Financial Dashboards (FSAGADAB)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Expense Management & Employee Reimbursements (FSAGAJAE)
Keywords
Where MoneyMonk is headquartered
LocationHeadquarters
- HQ city
- Utrecht
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
MoneyMonk business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Subscription Revenue — Starter Tier: Free for 15 months from KvK registration (for starting entrepreneurs). After the free period, no paid subscription tier is shown for Starter in the pricing page, suggesting the Starter tier may remain free or transition to a paid tier. The tier includes up to €50,000 annual turnover, 20 bank transactions per month, and free PSD2 bank connection.
- Subscription Revenue — Pro Tier: Tiered monthly subscription at €15.00/month for the first 3 months, then €32.50/month thereafter. Includes up to €100,000 annual turnover, 50 bank transactions per month, unlimited phone support including screen sharing, and premium support priority.
- Subscription Revenue — Ultra Tier: Tiered monthly subscription at €37.50/month with unlimited bank transactions and unlimited turnover, unlimited phone support including screen sharing, and premium support priority.
- Affiliate Program Revenue Share: MoneyMonk pays €30.00 excl. VAT per trial subscription created through affiliate partners' websites. Affiliates must have traffic targeted at the ZZP (sole proprietor) demographic.
- Bookkeeper Reseller Subscriptions: Certified bookkeepers (Boekhouders) can resell subscriptions to their clients (Eindgebruikers) at discounted rates. Bookkeepers pay a monthly per-administration fee to MoneyMonk and set their own prices for end customers, creating a two-sided subscription revenue stream.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Starter: Free for 15 months from KvK registration, up to €50,000 turnover/year, 20 bank transactions/month |
| Subscription | Monthly | Pro: €15.00/month for first 3 months, then €32.50/month, up to €100,000 turnover/year, 50 bank transactions/month |
| Subscription | Monthly | Ultra: €37.50/month, unlimited turnover and bank transactions |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels15 records
MoneyMonk product offering
Product offeringCore offering
MoneyMonk provides cloud-based online accounting software built exclusively for Dutch sole proprietors (zzp'ers) and small businesses. The platform bundles invoicing, quoting, time and mileage tracking, expense management, purchase invoice processing, automated VAT and income tax reporting, and financial reporting with a free PSD2 bank connection that imports and categorizes transactions in real time. It is offered as a web application and native iOS/Android apps under tiered monthly subscriptions (Starter, Pro, Ultra).
Product overview
MoneyMonk is a cloud-based online accounting software platform designed specifically for Dutch freelancers (zzp'ers) and small businesses (MKB). The platform operates on a unified SaaS model combining a web application and mobile apps (iOS/Android) with three subscription tiers (Starter, Pro, Ultra). The core platform includes integrated modules for invoicing (Factureren), quotes (Offertes), time tracking (Urenregistratie), project management (Projectadministratie), expense management (Onkosten), mileage tracking (Rittenregistratie), receipt scanning (Bonnen Scannen), purchase invoice processing (Inkoopfacturen), asset depreciation (Afschrijvingen), VAT filing (BTW-aangifte), income tax preparation (Inkomstenbelasting ZZP), and automated financial reporting (Financiële Rapportages). The platform features PSD2-compliant bank connectivity for real-time transaction synchronization, Peppol e-invoicing capabilities, and integrates with payment processors Mollie and Plug & Pay. A dedicated Boekhouderportaal (Accountant Portal) enables accountants to manage multiple client accounts. MoneyMonk also employs AI for customer support and automated invoice processing.
Differentiator
Problem solved
Functional benefit
Brands
- Boss Monk: A self-styled persona of the CEO Jasper, used as a brand mascot on the website's pricing and features pages.
Products and services
- MoneyMonk Online Boekhouden (Online Accounting Platform) Cloud-based online accounting SaaS platform delivered via web browser, providing invoicing, quoting, time tracking, project administration, expense management, mileage tracking, receipt scanning, purchase invoice processing, automated VAT (BTW) and income tax (IB) reporting, and financial reporting. Designed exclusively for Dutch sole proprietors (zzp'ers) and small businesses (MKB) registered with the KvK. Sold under tiered monthly subscriptions (Starter, Pro, Ultra) with a 30-day free trial.
- MoneyMonk Mobile App (iOS and Android) Native mobile applications for iOS (Apple App Store) and Android (Google Play) that allow zzp'ers to manage their accounting on the go, including mobile receipt scanning (Bonnen Scanner), time tracking, mileage registration, and real-time access to financial data. The mobile app is only available inside the Netherlands.
- Boekhouderportaal (Bookkeeper / Accountant Portal) Separate online portal for Dutch bookkeepers, accountants, and certified advisors (Erkende Adviseurs) to create and manage multiple client administrations, view client financial data in real time, provide bookkeeping services, and resell MoneyMonk subscriptions to their own clients at discounted rates.
Quantifiable outcome
- Users report significant time savings on administrative tasks through automated invoice matching, receipt scanning, and bank transaction import.
- +2 more outcomes
Companies that use MoneyMonk
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles3 records
MoneyMonk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability6 records
Feature11 records
MoneyMonk partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- ExonetcoreExonet is MoneyMonk's hosting and infrastructure partner, providing stable hardware infrastructure for storing customer business data on servers in the Netherlands. Exonet is ISO 9001, ISO 27001, and NEN 7510 certified — a unique certification in the Dutch managed hosting market. MoneyMonk describes Exonet as its 'betrouwbare partner' (reliable partner). This is a critical infrastructure dependency — Exonet provides the physical and cloud infrastructure on which MoneyMonk's services run.
- Mistral AIcoreMistral AI provides the AI application used by MoneyMonk's customer support to assist in answering customer questions faster and more accurately. MoneyMonk has signed a data processing agreement with Mistral AI, which processes data solely on MoneyMonk's instructions and not for its own purposes. The AI application helps support staff draft responses, which are always reviewed by human staff before being sent to customers — the AI never makes autonomous decisions with legal effects.
- De Nederlandsche Bank (DNB)coreMoneyMonk B.V. holds a Payment Institution license (R161162) from De Nederlandsche Bank under PSD2 regulations. This regulatory license enables MoneyMonk to provide its PSD2-compliant bank connection service. The DNB supervises MoneyMonk for compliance with the Wet op het financieel toezicht (Wft), the Wet ter voorkoming van witwassen en financieren van terrorismefinanciering (Wwft), and the Sanctiewet 1977.
Scale indicators4 records
Recent moves1 record
Expansion highlights5 records
MoneyMonk competitors and assessment
Company assessmentDirect peers
- BoekhoudGemak: Dutch online accounting package focused on small businesses and freelancers. Directly competes for ZZP'ers needing invoicing, expense tracking, and Dutch tax compliance.
- Exact Online: Established Dutch/Netherlands cloud accounting and ERP suite for SMBs. Overlaps heavily on bookkeeping, invoicing, and tax reporting, with a much broader MKB footprint that MoneyMonk can be compared against.
- e-Boekhouden: Dutch online accounting SaaS targeted at ZZP'ers and small businesses. Closest direct competitor with overlapping invoicing, bank connection, and VAT filing features for the same Dutch self-employed segment.
- Yuki (Visma): Document-driven online accounting platform for Dutch accountants and ZZP'ers owned by Visma. Competes directly for the same bookkeeper-channel and self-employed customer base.
- InformerOnline: Dutch cloud accounting software for ZZP and MKB with invoicing, bank links, and VAT submission. Comparable feature set and price positioning aimed at the same Dutch market.
- Rompslomp.nl: Dutch online bookkeeping platform focused on entrepreneurs and ZZP'ers. Directly comparable in pricing tiering, invoicing, and tax-reporting workflows for Dutch sole proprietors.
- Moneybird: Popular Dutch online accounting tool for ZZP'ers and small businesses. Closely comparable feature set including invoicing, bank connections, and tax filing for Dutch freelancers.
Broad incumbents
- Visma (group): Northern European software group owning multiple Dutch accounting brands (Yuki, Visma eAccounting, etc.). Sets competitive ceiling on pricing and bundling across the Dutch accounting SaaS market.
- Twinfield: Established Dutch online accounting platform (Wolters Kluwer) widely used by accountants and their SMB clients. Broader incumbent with deeper bookkeeper penetration.
- AFAS Online: Large Dutch HRM and accounting/ERP vendor with Profit Online suite. Offers broader payroll and ERP functionality than MoneyMonk but overlaps in accounting and serves a wider MKB market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
MoneyMonk social profiles
Digital presenceMoneyMonk compliance and trust
Trust signalCompliance5 records
MoneyMonk financial estimates
Financial estimateRevenue estimate
Valuation estimate
MoneyMonk leadership team
Management profileNumber of profiles
Profiles1 record
MoneyMonk funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MoneyMonk 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 MoneyMonk
What does MoneyMonk do?
MoneyMonk provides cloud-based online accounting software built exclusively for Dutch sole proprietors (zzp'ers) and small businesses. The platform bundles invoicing, quoting, time and mileage tracking, expense management, purchase invoice processing, automated VAT and income tax reporting, and financial reporting with a free PSD2 bank connection that imports and categorizes transactions in real time. It is offered as a web application and native iOS/Android apps under tiered monthly subscriptions (Starter, Pro, Ultra).
Is MoneyMonk a public or private company?
MoneyMonk is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MoneyMonk founded?
MoneyMonk was founded in 2012. It employs 11 to 50 people.
Where is MoneyMonk based?
MoneyMonk is headquartered in Utrecht, Netherlands, in the Europe region.
How does MoneyMonk make money?
Five revenue lines are on record. Subscription Revenue — Starter Tier is the primary driver. The others are subscription Revenue — Pro Tier, subscription Revenue — Ultra Tier, affiliate Program Revenue Share and bookkeeper Reseller Subscriptions.
Who are MoneyMonk's main competitors?
Direct peers on record are BoekhoudGemak, Exact Online, e-Boekhouden, Yuki (Visma), InformerOnline, Rompslomp.nl and Moneybird. Broad incumbents are Visma (group), Twinfield and AFAS Online.
Does MoneyMonk have an API?
Yes. MoneyMonk offers an API that allows developers to integrate with the platform. The help center mentions 'Heeft MoneyMonk een API beschikbaar?' (Does MoneyMonk have an API available?) as an FAQ topic under settings, indicating API availability. However, no specific API documentation URL, endpoints, authentication method, rate limits, or versioning details were found in the source data.
What industry is MoneyMonk in?
MoneyMonk's product category is Accounting Software. Its primary akta.pro industry code is FSAGADAB, Expense Tracking & Financial Dashboards, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 54121 and its SIC code is 6199.