Two plans. Auditors invited free.
Priced by line items per year, not by seat. Invite your controller, your bank's climate-risk reviewer, your audit firm — they read the ledger at no extra cost. Fourteen days free on monthly plans. Pay for ten months and get twelve on annual.
Two plans. One ledger. Enterprise on demand.
Each tier shares the same line-item ledger and the same DEFRA / BAFU / IEA factor library. The differences are line-item allowance, multi-entity support, and the controls procurement teams ask for. Auditor invitation is free on every tier.
For sole proprietors and small companies filing first VSME-aligned emissions data or answering a one-off bank or customer request.
- Ledger
- OCR ingestion: PDF, image, HEIC, CSV, Excel
- GHG Protocol Scope 1, 2, and common Scope 3 categories
- Factor library: DEFRA 2025, BAFU, IEA grid
- Period close with snapshot hash
- VSME-aligned PDF + Excel data export
- Collaboration
- One user, plus invited viewers
- Free auditor read-access on closed periods
- Email support, 2-business-day target
- Multi-entity consolidation
- SSO (OIDC, SAML)
For mid-sized companies running a recurring VSME or bank climate-risk reporting cycle, or filing internal board-level emissions reports.
- Ledger
- Everything in Starter
- Higher ingestion volume for recurring cycles
- GHG Protocol Corporate Standard report export
- API ingest with key-based auth
- Per-line factor versioning, bound at calc time
- Collaboration
- Invite viewers within the same workspace
- Free auditor read-access on closed periods
- Email support, 2-business-day target
- Multi-entity consolidation
- Reasonable-assurance workpapers
For companies in mandatory CSRD scope under Omnibus I — >1'000 FTE and >€450M turnover. Annual contract, dedicated onboarding, signed DPA.
- Ledger
- Everything in Growth
- Multi-entity consolidation (parent + subsidiaries)
- Full Scope 3 coverage with expanded categories
- ESRS E1 outputs
- Optional ecoinvent factor library add-on
- Customer-supplied factor library (override mode)
- Operations
- SSO via OIDC or SAML 2.0
- Signed DPA (GDPR Art. 28), EU residency on request
- Auditor workpaper surface, ISA 320 / ISA 530 sampling
- 99.5% uptime SLA, 4-hour high-severity response
- Named account manager, dedicated onboarding
Line-item count tells you which plan fits.
cobank counts what's ingested into the ledger, not what you upload — typically six to eight rows per Swiss invoice. Surcharges, taxes, and fees count too, but classify as zero-emission supporting lines. The slider above maps your year onto the four rungs below.
Starter. Sole proprietors, very small companies, one-off VSME submission.
Growth. Most Swiss SMEs filing recurring VSME or bank climate-risk data.
Growth + metered overage at CHF 0.06 / line. No tier change required.
Enterprise. Multi-entity consolidation, SSO, signed DPA. Contract band CHF 30k – 150k ARR.
Cheaper to run. And cheaper to audit.
Your audit firm logs into cobank for free, samples from a closed reporting period, and exports a hash-chained evidence pack — without re-walking PDFs and re-entering factors into Excel. The line-item ledger does the work the auditor would otherwise pay-by-the-hour to do. We earn more when you ingest more lines; we don't earn anything when your audit firm spends three weeks instead of three days.
Every line, every plan, in one table.
The ledger and the factor library are on every plan. Enterprise unlocks multi-entity consolidation, SSO, signed DPA, and the auditor workpaper surface — the things procurement and assurance review actually ask for.
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Ledger ingestion | |||
| Line items per year included Beyond included, lines are metered at the tier rate. | 500 | 3'000 | Custom commit |
| Overage rate per additional line | CHF 0.09 | CHF 0.06 | Negotiated |
| OCR ingestion (PDF, image, HEIC) | |||
| CSV / Excel structured import | |||
| Bexio ERP connector | |||
| API ingest with key-based auth | — | ||
| Factor library & methodology | |||
| DEFRA 2025, BAFU, IEA grid factors | |||
| Per-line factor versioning, bound at calc time | |||
| Semantic factor matching (1'397 indexed factors) | |||
| Optional ecoinvent add-on Pass-through cost + 20% integration margin. | — | — | |
| Customer-supplied factor library (override mode) | — | — | |
| Period close & evidence | |||
| Period close with snapshot hash | |||
| Hash-chained line-item edit log | |||
| VSME-aligned PDF report | |||
| GHG Protocol Corporate Standard report | — | ||
| ESRS E1 outputs | — | — | |
| Closed-period amendment trail (ISSA 5000) | |||
| Audit engagement | |||
| Free auditor invitation on closed periods | |||
| Risk-based sampling (ISA 320 / ISA 530) | — | — | |
| Workpaper assertions, evidence pack export | — | — | |
| Reasonable-assurance workflow | — | — | on request |
| Security & data residency | |||
| Swiss data centres (default) | |||
| Row-level tenant isolation | |||
| AES-256 at rest, TLS 1.3 in transit | |||
| SSO (OIDC, SAML 2.0) | — | — | |
| Signed DPA (GDPR Art. 28) | — | — | |
| EU data residency (on request) | — | — | |
| SOC 2 Type I Roadmap — engagement targeted Q4 2026. | — | — | roadmap |
| Support & onboarding | |||
| Email support, 2-business-day response | |||
| Documentation, methodology, onboarding tour | |||
| Dedicated onboarding (2–4 weeks) | — | — | |
| Named account manager | — | — | |
| 99.5% uptime SLA, 4-hour high-severity | — | — | |
Two add-ons. One roadmap card.
Most companies don't need any of these. Two are real Enterprise add-ons available today; the third is a roadmap pin for ERP connectors beyond Bexio. We deliberately don't ship a long add-on menu — every line on the cobank price sheet is a line we can support and audit.
Some sectors and some auditors require ecoinvent. We integrate it on request, license per-customer, and pass through the cost. Our default methodology — DEFRA, BAFU, IEA — is what large Swiss corporates such as Novartis, Swisscom, and ABB cite in their published reports, so most companies don't need this layer.
Override mode accepts your own curated factor set as CSV or Excel. Versioned and bound to line items at calc time. Your methodology stays yours; cobank provides the ledger, the hash chain, and the audit trail around it.
Bexio ships today. SAP, Abacus, NetSuite, and Odoo are on the roadmap, sequenced by signed customer commitments. Tell us which ERP is the dealbreaker on your evaluation and we'll line it up against the next sprint.
Honest answers to the questions we hear most.
Don't see yours? Email hello@cobank.ai — your message is read by a human, usually within a business day.
Run your first invoice.
The fastest way to evaluate cobank is to upload one of your invoices and read the result. Fourteen days free, no card required.