Financio Review: Budget-Friendly Cloud Accounting with RM1/Month Promo

Financio positions itself as Malaysia's most affordable cloud accounting solution with remarkable RM1/month promotional pricing. Designed for budget-conscious startups and small businesses, Financio provides essential accounting features at entry-level prices with transaction-based limitations.

Overview

Company: ABSS (same company as ABSS accounting) Pricing: RM 1/month promo (Essentials), RM 85/month (Premier) Regular Pricing: RM 50/month (Essentials) Best For: Budget-conscious micro businesses E-Invoice: LHDN compliant Unique Feature: RM1/month promotional pricing

Key Features

RM1/month promotional pricing (code "RM1EINVOICEREADY") requires annual commitment (RM 12 upfront) and is valid until December 31, 2025. After this date, pricing reverts to RM 50/month regular rate.

Transaction limits on Essentials plan:

• 20 invoices monthly
• 5 bills monthly
• 25 e-invoices monthly
• 5 A.I. Scan (OCR) monthly

Premier plan (RM 85/month) removes most limits:

• Unlimited invoices and bills
• 5,000 e-invoices monthly
• 50 A.I. Scan monthly
• Multi-currency support
• Multi-location inventory

Support is tiered—"Limited Basic" on Essentials vs "Unlimited Priority" on Premier.

Pricing

Essentials:

• Promotional: RM 1/month (annual commitment)
• Regular: RM 50/month
• Transaction limits apply

Premier:

• RM 85/month
• Most limits removed
• Multi-currency and multi-location included

Strengths

• Extraordinary RM1/month promotional pricing
• Affordable regular pricing (RM 50/month Essentials)
• E-invoice compliant
• Simple, user-friendly interface
• Part of ABSS ecosystem
• Good value for qualifying micro businesses

Limitations

• Strict transaction limits on Essentials
• Multi-currency only in Premier
• Multi-location only in Premier
• Limited support on Essentials
• A.I. Scan quotas restrictive
• Promotional pricing requires annual commitment
• Transaction limits force upgrades for growing businesses

Verdict

Rating: 3.5/5

Financio's aggressive pricing makes it attractive for micro businesses with simple, low-volume operations. The RM1/month promotional rate is genuinely remarkable for qualifying businesses. However, transaction limits and feature restrictions mean Financio is best suited for very small, stable businesses without growth ambitions.

Recommended for: Micro businesses with consistently low transaction volumes (under 20 invoices monthly), startups with extremely tight budgets, businesses without multi-currency or multi-location needs.

Last Updated: November 2025