# Moneybird vs Xero

**Leader by Vioscale score:** Moneybird

| Attribute | Moneybird | Xero |
|---|---|---|
| **Vioscale score** | 65.8 (63% (medium)) | 49.4 (46% (low)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Cloud-based accounting software designed for freelancers and SMEs, featuring invoice automation, bookkeeping, VAT management, time tracking, and integration with 1,700+ European banks and payment processors. | A cloud-based accounting platform for small businesses that integrates invoicing, bill tracking, payroll, expense management, and tax reporting to automate financial tasks and ensure compliance with UK tax requirements. |
| 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":"direct","deployment":"cloud","ar_invoicing":true,"ap_automation":true,"tax_compliance":"VAT, MTD for Income Tax, CIS calculations","payments_capture":true,"accountant_collab":true,"project_accounting":true}` |
| integrations.count | 6 | 1,000 |
| integrations.list | `[{"name":"Mollie"},{"name":"Stripe"},{"name":"PayPal"},{"name":"MultiSafepay"},{"name":"CCV Pay"},{"name":"TransactieSysteem"}]` | `[{"name":"Hubdoc"},{"name":"TaxCycle"},{"name":"Countable"},{"name":"Stripe"},{"name":"GoCardless"}]` |
| market.availability | `{"hqCountry":"NL","primaryMarkets":["NL"],"availabilityScope":"regional","availableCountries":["NL"],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB","CA"],"availabilityScope":"global","availableCountries":["GB","CA"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":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":false,"name":"Grow","features":["Send invoices and quotes","Accept online invoice payments","Auto-reconcile transactions","Smart document capture with Hubdoc","View real-time reports and dashboards","Automate bill entry and track bills","Submit VAT returns to HMRC","Automate subcontractor CIS calculations","Forecast cash flow","Claim expenses and mileage","24/7 online support","MTD for Income Tax ready"],"commitment":"monthly","description":"For self-employed and growing businesses. Includes invoicing, bill tracking, bank reconciliation, document capture, VAT reporting, and performance dashboards.","contactSales":false}],"addOns":[{"name":"Payroll","components":[{"kind":"per_unit","unit":"person","amount":1.5,"period":"month","currency":"GBP"}]},{"name":"Expenses per additional user","components":[{"kind":"per_unit","unit":"user","amount":2.5,"period":"month","currency":"GBP"}]},{"name":"Automate CIS deductions"}],"currency":"GBP","freeTier":false,"sourceUrl":"https://www.xero.com/pricing-plans/standard/","retrievedAt":"2026-08-14T15:24:38.509Z","billingPeriods":["month"]}` |
| pricing.free_tier | no | no |
| pricing.model | commercial | commercial |
| pricing.price_level | low | unknown |
| pricing.transparent | yes | no |
| reliability.status_page | yes | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.pci | - | yes |
| security.soc2 | - | yes |

## Capabilities (Accounting Software)

| Capability | Moneybird | Xero |
|---|:--:|:--:|
| **Core** |  |  |
| Double-entry GL | ✓ | - |
| Multi-entity | None | - |
| Multi-currency | ✗ | - |
| Bank feeds | Direct feeds | Direct feeds |
| **Modules** |  |  |
| AP automation | ✗ | ✓ |
| AR / invoicing | ✓ | ✓ |
| Inventory | ✗ | - |
| Fixed assets | ✓ | - |
| Project accounting | ✓ | ✓ |
| **Compliance** |  |  |
| Tax compliance | VAT returns, VAT overview, ICP declaration, Electronic VAT return filing | VAT, MTD for Income Tax, CIS calculations |
| **Workflow** |  |  |
| Accountant collaboration | ✓ | ✓ |
| **Payments** |  |  |
| Payments capture | ✓ | ✓ |
| **Ecosystem** |  |  |
| API access | Full | Full |
| **Deployment** |  |  |
| Deployment | Cloud | Cloud |

*Source: Vioscale. Generated 2026-09-01T17:08:15.224Z. "-" = undocumented, not absent.*