European treasury and cash-management platforms
7 verified European providers, ranked European-origin first (5 EU/EEA-origin). Cash forecasting, liquidity and multi-bank connectivity - European TMS/cash platforms (Agicap, Nomentia, TIS, Embat) vs US incumbents. Compare by EEA data residency, licence and regulator - each verified at source.
7 verified providers
Last source verification in this list: 2026-07-13. How we verify →
At a glance (7 providers): licences: 6 Vendor, 1 PI; EEA data residency: 5 Yes, 1 No, 1 Partial; headquarters: 5 EU core, 1 UK, 1 US.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|
 Agicap | France EU core | Vendor | Yes | – | 2026-07-11 | Request intro |
 Cobase | Netherlands EU core | Vendor | Yes | – | 2026-07-11 | Request intro |
 Embat | Spain EU core | Vendor | Yes | – | 2026-07-11 | Request intro |
 Nomentia | Finland EU core | Vendor | Yes | – | 2026-07-11 | Request intro |
 TIS | Germany EU core | Vendor | Yes | – | 2026-07-11 | Request intro |
 Vitesse | UK UK | PI | Partial | Cross-border payments / FX | 2026-07-13 | Request intro |
 Kyriba | US US | Vendor | No | – | 2026-07-11 | Request intro |
FAQ
What does a treasury management system do?
Cash visibility across banks, forecasting, liquidity and payment centralisation - multi-bank connectivity is the core. Fintechnologica lists 7 verified platforms (5 European-origin).
European TMS vs US incumbents?
European platforms (Agicap, Nomentia, TIS, Embat) are SEPA-native, EEA-hosted and priced for European mid-market; US incumbents bring scale but US jurisdiction. For CLOUD-Act-sensitive treasuries the hosting question is decisive.