# Moneybird vs Wave

**Leader by vioscaleAI score:** Moneybird

| Attribute | Moneybird | Wave |
|---|---|---|
| **vioscaleAI score** | 64.9 (63% (medium)) | 57.4 (72% (medium)) |
| content.faq | `[{"answer":"Accounting platform that simplifies VAT return preparation and filing, with connections to payment processors, inventory systems, CRM, HR, and time tracking applications. It is indexed under Accounting Software.","source":"https://www.moneybird.com","question":"What is Moneybird?","confidence":0.6},{"answer":"Moneybird is a paid product; published pricing starts at €3 per month. It is sold across 4 plans (Compact, Start, Growth and Complete). There is no free tier. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.moneybird.com/pricing/","question":"How much does Moneybird cost?","confidence":0.6},{"answer":"We have confirmed browser-based access to Moneybird. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.moneybird.com/pricing/","question":"What platforms does Moneybird support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Moneybird, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.moneybird.com/pricing/","question":"Can Moneybird be self-hosted?","confidence":0.6},{"answer":"We have confirmed 15 integrations for Moneybird, including Mollie, Stripe, PayPal, MultiSafepay, CCV Pay, TransactieSysteem, Bol.com and Employes, plus 7 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.moneybird.com","question":"What does Moneybird integrate with?","confidence":0.6},{"answer":"Moneybird is available in the Netherlands. Its primary market is the Netherlands. The vendor is headquartered in the Netherlands.","source":"https://www.moneybird.com/pricing/","question":"Where is Moneybird available?","confidence":0.75}]` | `[{"answer":"A unified platform combining bookkeeping, invoicing, payment processing, and reporting in one dashboard. Helps small business owners track income and expenses, manage cash flow, and maintain organized financial records year-round. It is indexed under Accounting Software.","source":"https://www.waveapps.com","question":"What is Wave?","confidence":0.6},{"answer":"Wave offers a free tier, so you can start without paying. Paid plans start at $16 per month. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.waveapps.com/pricing","question":"Is Wave free?","confidence":0.6},{"answer":"We have confirmed browser-based access to Wave. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.waveapps.com","question":"What platforms does Wave support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Wave, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.waveapps.com","question":"Can Wave be self-hosted?","confidence":0.6},{"answer":"We have confirmed 8 integrations for Wave, including Plaid, Zapier, Shopify, Square, ADP, RBC, Block Advisors and Apple Pay. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.waveapps.com","question":"What does Wave integrate with?","confidence":0.6},{"answer":"Wave is available worldwide. Its primary markets are the United States and Canada.","source":"https://www.waveapps.com","question":"Where is Wave available?","confidence":0.75}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Accounting platform that simplifies VAT return preparation and filing, with connections to payment processors, inventory systems, CRM, HR, and time tracking applications. | Wave enables small business owners to manage their financial operations in one place, including expense and revenue tracking, customer billing, digital payments, and reporting to support financial decision-making. |
| features.capabilities | `{"inventory":false,"api_access":"full","bank_feeds":"direct","deployment":"cloud","ar_invoicing":true,"fixed_assets":true,"multi_entity":"none","ap_automation":false,"multi_currency":false,"tax_compliance":"VAT returns, VAT overview, ICP declaration, Electronic VAT return filing","double_entry_gl":true,"payments_capture":true,"accountant_collab":true,"project_accounting":true}` | `{"api_access":"full","bank_feeds":"aggregator","deployment":"cloud","ar_invoicing":true,"tax_compliance":"Tax-ready bookkeeping with organized records and reporting","double_entry_gl":true,"payments_capture":true,"accountant_collab":true,"project_accounting":true}` |
| integrations.count | 11 | 5 |
| integrations.list | `[{"name":"Mollie"},{"name":"Stripe"},{"name":"PayPal"},{"name":"MultiSafepay"},{"name":"CCV Pay"},{"name":"TransactieSysteem"},{"name":"Bol.com","category":"e_commerce"},{"name":"Employes","category":"hr"},{"name":"Keeping","category":"time_tracking"},{"name":"Picqer","category":"inventory"},{"name":"PerfectView","category":"crm"},{"name":"CCV Salespos","category":"pos"},{"name":"Bouwportaal","category":"construction"},{"name":"Faillissementen.com"},{"name":"Planaday"}]` | `[{"name":"Plaid"},{"name":"Zapier"},{"name":"Shopify"},{"name":"Square"},{"name":"ADP"},{"name":"RBC"},{"name":"Block Advisors"},{"name":"Apple Pay"}]` |
| market.availability | `{"hqCountry":"NL","primaryMarkets":["NL"],"availabilityScope":"regional","availableCountries":["NL"],"notAvailableCountries":[]}` | `{"primaryMarkets":["US","CA"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"ios":true,"web":true,"android":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Compact","summary":"€3/month","features":["Smart Document Processing","Process bank transactions","Sales invoices","Purchase invoices and receipts","Time tracking","Reports and dashboard","VAT overview"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":3,"period":"month","currency":"EUR"}],"description":"To start off gently, at your own pace","contactSales":false,"includedLimits":{"users":"1","bank_connections":"0","time_tracking_hours":"20","processed_transactions":"5","smart_document_processing":"3"}},{"free":false,"name":"Start","summary":"€15/month, save €36/year with annual billing","features":["Smart Document Processing","Scan receipts with app","Electronic VAT return","API access","Accountant access","Custom branding","Automatic reminders","Online payment methods","SEPA direct debit","Send via Peppol","Scan and recognize","Pay from Moneybird","Process UBL invoices","Receive via Peppol","Reports and dashboard","Ledger accounts","VAT overview","ICP declaration","Online sales","Time tracking","Assets and depreciation"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":15,"period":"month","currency":"EUR"}],"description":"Ideal for freelancers and startups","contactSales":false,"includedLimits":{"users":"1","bank_connections":"5","processed_transactions":"20"}},{"free":false,"name":"Growth","summary":"€29/month, save €72/year with annual billing","features":["Everything from Start","80% bookkeeping automation","Recurring invoices"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":29,"period":"month","currency":"EUR"}],"description":"For entrepreneurs who are growing","contactSales":false,"includedLimits":{"users":"5","bank_connections":"5","processed_transactions":"50"}},{"free":false,"name":"Complete","summary":"€41/month, save €96/year with annual billing","features":["Everything from Growth","Unlimited bookkeeping","Unlimited linked bank accounts","Unlimited processed transactions","Unlimited users"],"commitment":"monthly","components":[{"kind":"fixed","amount":41,"period":"month","currency":"EUR"}],"description":"The package for unlimited bookkeeping","contactSales":false,"includedLimits":{"users":"None","bank_connections":"None","processed_transactions":"None"}}],"addOns":[{"name":"Payment Processing Fees","components":[{"per":{"qty":1,"unit":"transaction"},"kind":"metered","amount":0.29,"currency":"EUR"}]}],"summary":"From €3/month. 60-day free trial with Complete plan access. Up to 25% discount with annual billing.","currency":"EUR","freeTier":false,"sourceUrl":"https://www.moneybird.com/pricing/","retrievedAt":"2026-08-13T16:57:36.384Z","freeTrialDays":60,"startingPrice":{"amount":3,"period":"month","currency":"EUR"},"billingPeriods":["month","year"]}` | `{"type":"subscription","plans":[{"free":true,"name":"Starter","summary":"Free","features":["Unlimited invoices, estimates, bills","Unlimited bookkeeping records","Mobile app access","Dashboard and reports","Payment processing available"],"description":"Basic accounting and invoicing for new businesses","contactSales":false},{"free":false,"name":"Pro","summary":"$16/month billed monthly, or $190/year billed annually","features":["Everything in Starter","Auto-import bank transactions via Plaid","Auto-merge and auto-categorize transactions","Unlimited receipt capture and tracking","Add multiple users/collaborators","Payment processing at discounted rates"],"commitment":"monthly","components":[{"kind":"fixed","amount":16,"period":"month","currency":"USD"}],"description":"Enhanced accounting with bank automation and transaction categorization","contactSales":false},{"free":false,"name":"Wave Advisors","summary":"$149/month or $199/month depending on tier","features":["Everything in Pro","Dedicated bookkeeper management","Monthly financial statements","Expert bookkeeping support","Transition assistance from other software","Optional one-on-one accounting coaching"],"components":[{"kind":"fixed","amount":149,"period":"month","currency":"USD"}],"description":"Hands-off bookkeeping with dedicated bookkeeper and financial expert support","contactSales":false}],"addOns":[{"name":"Payment Processing","components":[{"of":"transaction","kind":"percentage","plus":{"amount":0.6,"currency":"USD"},"rate":2.9}]},{"name":"Payroll"},{"name":"Receipts"}],"summary":"Free Starter plan with unlimited invoicing and bookkeeping. Pro from $16/month includes bank automation. Wave Advisors from $149/month for managed bookkeeping. Payment processing fees: 2.9% + $0.60 per Visa/Mastercard transaction.","currency":"USD","freeTier":true,"sourceUrl":"https://www.waveapps.com/pricing","retrievedAt":"2026-08-14T15:29:13.788Z","startingPrice":{"amount":16,"period":"month","currency":"USD"},"billingPeriods":["month","year"]}` |
| pricing.free_tier | no | yes |
| pricing.model | commercial | freemium |
| pricing.price_level | low | mid |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | yes |
| security.certifications | - | `[{"name":"PCI DSS Level 1","level":"Level 1","status":"active"}]` |
| security.pci | - | yes |

## Capabilities (Accounting Software)

| Capability | Moneybird | Wave |
|---|:--:|:--:|
| **Core** |  |  |
| Double-entry GL | ✓ | ✓ |
| Multi-entity | None | - |
| Multi-currency | ✗ | - |
| Bank feeds | Direct feeds | Aggregator |
| **Modules** |  |  |
| AP automation | ✗ | - |
| AR / invoicing | ✓ | ✓ |
| Inventory | ✗ | - |
| Fixed assets | ✓ | - |
| Project accounting | ✓ | ✓ |
| **Compliance** |  |  |
| Tax compliance | VAT returns, VAT overview, ICP declaration, Electronic VAT return filing | Tax-ready bookkeeping with organized records and reporting |
| **Workflow** |  |  |
| Accountant collaboration | ✓ | ✓ |
| **Payments** |  |  |
| Payments capture | ✓ | ✓ |
| **Ecosystem** |  |  |
| API access | Full | Full |
| **Deployment** |  |  |
| Deployment | Cloud | Cloud |

*Source: vioscaleAI. Generated 2026-10-16T01:57:42.735Z. "-" = undocumented, not absent.*