FIZ vs SubSSwitch

FIZ is the financial assistant for freelancers, self-employed professionals and small businesses in Portugal. Invoices, payments and taxes — in one app. INVOICE IN SECONDS • AT-certified invoicing (certificate No. 3041): invoices, invoice-receipts, simplified invoices, receipts, quotes, credit and debit notes • Working documents (pro forma, estimate, work sheet, consignment invoice…) and transport documents (guias), with or without prices • VAT and withholding tax on every line, item discounts, your logo and IBAN on the PDF • A correction assistant when something went wrong: credit note, debit note, annulment or a corrected copy • Recurring invoices, custom series, SAF-T export and automatic monthly sending • Customers and items catalogue, import from e-Fatura and SAF-T GET PAID • Tap to Pay on iPhone: accept contactless cards right on your iPhone — no card machine needed • QR code and payment links for invoices and quotes • Payouts to your bank account and automatic invoicing after a payment • Print receipts on Bluetooth and network thermal printers KNOW WHAT IS YOURS • Home dashboard: what is left after taxes, the VAT, IRS and Social Security to set aside, and who still owes you • VAT exemption assistant: turnover against the 15.000€ Article 53 limit, with a warning before you cross it • Tax calendar with every deadline that applies to you • Notices, fines and divergências from Portal das Finanças in one inbox • Social Security, IRS, VAT and Recapitulativa declarations, with reminders when the filing window opens EXPENSES AND FINANCES • Expenses synced from e-Fatura, with IRS and VAT deductions summarised • Connect your bank and see accounts and transactions in one place HELP AT ANY TIME • AI tax bot: ask anything about your taxes and invoices, 24/7 • In-app chat with the FIZ team • Fiscal Shield on eligible plans: protection up to 1.500€ per declaration FOR YOUR TEAM • Invite your accountant or staff with ready-made access levels • Run several businesses from one account Available in Portuguese, English, Spanish, French, Ukrainian and Russian. Light and dark theme, PIN and biometric login. Less paperwork. More life.

FIND ALL YOUR SUBSCRIPTIONS Connect your Gmail, Outlook, or iCloud Mail — SubSSwitch scans your receipts and detects active subscriptions automatically. Upload a bank statement or connect your bank via Plaid to catch every recurring charge. SEE WHAT YOU SPEND View all your subscriptions on one dashboard with monthly cost breakdowns. Know exactly where your money goes every month. SWITCH TO CHEAPER OPTIONS For every subscription you have, SubSSwitch suggests cheaper alternatives. See how much you could save and switch when the time is right. STAY AHEAD OF RENEWALS See what renews next and get a reminder before the charge lands, so a subscription you meant to cancel never bills you by surprise. KEY FEATURES - Automatic subscription detection from email and bank - Gmail, Outlook, and iCloud Mail scanning - Re-scan a connected mailbox without creating duplicates - Bank statement upload (PDF, JPEG) with AI parsing - Plaid bank connection for transaction sync - Cheaper alternative suggestions for every subscription - Monthly spending overview - Renewal date tracking and notifications - Secure — your data is encrypted and never sold