# Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Xero the right Trust Accounting solution for you? Explore 3273 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/120109/FreshBooks/reviews --- Xero 4.4 (3273) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated April 10th, 2026 # Reviews of Xero Ease of use 4.4 Customer Service 4.0 ## Pros and Cons in Reviews Craig H General ManagerDairy, 51 - 200 employeesUsed the software for: 1-2 years. “I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments on track.“ November 3, 2025 DE Daryl E ConsultantInformation Technology and Services, 2 - 10 employeesUsed the software for: More than 2 years. “Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on that line, and put $10 on the next line item down.“ October 9, 2025 AF Amanda F Licensed Real Estate BrokerReal Estate, 2 - 10 employeesUsed the software for: More than 2 years. “I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere.“ December 21, 2025 DE Daryl E ConsultantInformation Technology and Services, 2 - 10 employeesUsed the software for: More than 2 years. “This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users (once you have someone subscribed, they will likely be tied in for at least 12 months by the time they realise the horrors that occur), or improve shareholder value.“ October 9, 2025 NS Natalie S Senior immigration AdvisorInternational Trade and Development, 11 - 50 employeesUsed the software for: Less than 6 months. “Xero offers 30 days for trial where you're able to explore all features of this tool and you are able to learn how it's feature can be used for accounting.“ December 10, 2025 DT Danielle T AP, AR, PayrollMechanical or Industrial Engineering, 11 - 50 employeesUsed the software for: More than 2 years. “When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i have to have atleast 2 entitoies open everye day“ March 4, 2026 JL John L CEOComputer Software, Self-employedUsed the software for: 6-12 months. “Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to the next level and I need to put other plans in place in terms of managing my business accounts and reporting.“ July 25, 2025 HL Hikmet L Medical Assistance SpecialistHospital & Health Care, 51 - 200 employeesUsed the software for: More than 2 years. “Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions.“ February 23, 2026 ## Showing most helpful reviews Showing 1-25 of 3273 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Debbie M. Owner Accounting Used the software for: 2+ years ### "Xero is ok" January 3, 2026 5.0 I’m generally happy with Xero. It’s very easy to use and integrates well with other products, though often at an additional cost. Its reporting features are somewhat limited, but they’re sufficient for what I need. Pros The dashboard is easy to use, the reporting functions work well, and I’m not aware of any bugs or issues. Recording transactions is straightforward, and keeping bank activity up to date is simple. Cons It does not offer good value for money compared with competitor products, and customer support is not available by telephone. As a partner, commission opportunities are limited, and payments are taken by direct debit. Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/)[Reckon One](https://www.capterra.com/p/154538/Reckon-One/) Reason for choosing Xero The advice I received from accountants was biased, as they had no genuine knowledge of alternative products. Review Source AS Abi S. Accountant Pharmaceuticals Used the software for: Less than 6 months ### "Good product " March 24, 2026 5.0 Overall, my experience at Xerox was a solid and valuable one that helped me build a strong foundation in the tech and document solutions industry. On the positive side, I really appreciated the company’s legacy of innovation, the collaborative teams, and the opportunities to work on meaningful projects that directly improved client workflows. The benefits were competitive, there was good access to training and development resources, and in many roles, work-life balance was decent especially with flexible or hybrid options in recent years. I learned a lot about problem solving, customer focus, and navigating large-scale corporate environments, and I made some great professional connections. Pros I really appreciated the strong emphasis on innovation and problem solving at Xerox. The company has a rich history in technology and document management, and I loved being part of teams that were encouraged to find creative solutions for clients whether it was optimizing workflows with multifunction printers or implementing digital transformation projects. The collaborative environment and access to cutting edge tools allowed me to learn a lot and see the direct impact of my work on improving efficiency for businesses. It felt rewarding to work with talented colleagues who were passionate about delivering reliable, high-quality solutions. Cons What I liked least was the pace of change in some areas, particularly the bureaucratic processes that sometimes slowed down decision making and project execution. In a fast evolving tech landscape, waiting for approvals through multiple layers could delay innovation. That said, I understand it’s common in large, established organizations, and it taught me valuable skills in navigating complex structures and advocating effectively for improvements. I’m excited about opportunities where I can bring that experience to a role with even more agility. Review Source DE Daryl E. Consultant Information Technology and Services Used the software for: 2+ years ### "Xero - Used to be the best accounting package in the world." October 9, 2025 1.0 I dread every new change they announce. If i could move my companies out of Xero (4 companies and one charity) and onto something that looks like what Xero used to be, i'd do it in a heartbeat. I moved them all off MYOB in about 2008, and it doesn't look like MYOB has improved much since then, and there are no others on the horizon that i know of. Its a sad state of affairs for the future of online accounting packages. I'd describe my time with xero as about ten years of honeymoon where it was the best thing since sliced bread. Xero really lead the world in smart accounting and smart UI. I'd describe the rest of my time since then as miserable, much like an abusive relationship. I dread having to make changes to quotes and invoices because bugs in the UI are so common. Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on that line, and put $10 on the next line item down. Now its correct, so you click save, and it won't save. So you change the discount to a percentage that equals $10 - nope, that doesn't let it save. The error message doesn't help - it just says that there was an error and the quote can't be saved. You check your internet connection - that's fine. Eventually you might just delete the quote and re-create it, and its probably going to work. What you don't know, and Xero is in no mood to let you know (and no intention of fixing this - its been there for ~ a year) is that a discount of "" (an empty field, where you deleted the incorrect discount) will prevent the quote from saving. This is an incredibly simple UI bug to fix, its literally just adding \[if discount\[line\]=''; discount\[line\]=0\] to the code - about 40 characters added, but the a holes managing the xero devs haven't managed to assign someone to that bug for about a year. Their helpdesk are told to inform you that you should just enter "0" instead of pressing delete. This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users (once you have someone subscribed, they will likely be tied in for at least 12 months by the time they realise the horrors that occur), or improve shareholder value. A good example of this is advertising plastered over the interfaces, especially the invoicing module. Many of us have no intention of using Xero's online payment system - our customers just don't want that, they pay by direct credit, but what used to be a short link is now a large banner advertising "get online payments set up", and now it can't be dismissed. Now there's also a 2-line item in the menu advertising Xero's SMS service - another paid thing that we can't remove even if we have no intention of ever using it. I could go on and on about the abuses, but i'm sure you get the point. Pros Previous to the "new invoicing" interface, the user interface and UX was excellent. Value for money used to be excellent, but then the company floated and started pulling shady moves like removing the expenses module and replacing it with a paid version that had less features and a worse UI. Customer support for fixing things that Xero \*can\* do is pretty good, support for fixing things like bugs, intentionally broken features, and nags/advertising is very very poor. Cons The downhill trajectory of the UI and UX. Every change to the UI brings a couple of good things, and a bag of dicks. Changes used to be for the benefit of the user (you know, the one who is actually paying for the product). Now its for the benefit of the shareholders, and most times makes the UX much worse. Advertising plastered on the UI making the book keeper's job harder than it could be. Features that just don't work when they used to work fine (auto assigning the next ID on an imported invoice is a classic example of something that used to work and now doesn't, and has been promised to be fixed but here we are, 6 years later, and it still hasn't been given any developer time and probably wont.) Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing Xero At the time, Xero were the only web based system that showed that they understood the power of great UX, great UI, smart automation (especially smart reconciliation). Switched from [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) MYOB had UI issues which they had no intention of fixing (eg reports that were only correct if you ran them twice - how is this acceptable?) and at that stage they were not moving to the web with any speed, so the writing was on the wall Review Source VR Verified Reviewer Owner Retail Used the software for: 2+ years ### "Great integrations and automations" March 17, 2026 5.0 Pros Great integrations and automations. As someone who doesn't have a book keeping background I do find it quite user friendly. Cons Some reporting components are too complicated, but it is improving with recent updates which is great, including the dashboard. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Larger requirements which Xero suited better Review Source DT Danielle T. AP, AR, Payroll Mechanical or Industrial Engineering Used the software for: 2+ years ### "ZERO thumbs up" March 4, 2026 5.0 very user friendly and the interface is easy to look at everyday. I have worked with Xero for along time and would find it difficult to change Pros very user friendly and the interface is easy to look at everyday. I have worked with Xero for along time and would find it difficult to change Cons When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i have to have atleast 2 entitoies open everye day so i need to togle between Review Source EG Emily G. Bookkeeper Accounting Used the software for: 2+ years ### "Great software" March 26, 2026 5.0 Definitely recommend, so easy to use for bookkeeping needs. Clearly laid out and good to use for multiple users on the same accounts Pros I mainly use Xero and love it as it's so easy to use and has a clear layout to find where you can get certain information from. It's also leaves a good trail to see when bills were created, who by, if anything has been changed and when. It gets regularly updated and easy to link up bank feeds Cons It's a little bit pricey, and the payroll software (paid extra) isn't as good as other payroll software Review Source HL Hikmet L. Medical Assistance Specialist Hospital & Health Care Used the software for: 2+ years ### "Recalculate international medical assistance expenses." February 23, 2026 4.0 Accurate accounting is critical as a Medical Assistance Specialist. I am using it to control our international case costs. It is affordable yet the customer service should be refined. Pros The dashboard is so user-friendly that it is simple to use the invoicing option and charge international insurance firms of a complicated medical evacuation within a short period. Cons Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions. Review Source VR Verified Reviewer Designer Design Used the software for: 1-2 years ### "Great product, even if a little on the pricey side" March 19, 2026 4.0 Pros Easy invoice creation and invoice. Clear and customisable dashboard. And good customer support with fast response times. Cons It's a little on the more expensive side requiring a more advanced plan for more features like unlimited invoices Review Source NH Nina H. Hr Manager Retail Used the software for: 2+ years ### "Good payroll software" March 12, 2026 5.0 I am very happy with Xero, it is simple to use and very user friendly. The dashboard is very intuitive and I have never have any issues. Pros I use it from a payroll perspective but I know it has lost of other functionality. It is very easy to use from adding employee data to running reports. Cons I think the holiday tool could be better. It isn't easy to calculate holiday in the same way as HR software. Review Source VR Verified Reviewer Employee Accounting Used the software for: Less than 6 months ### "Easy and Reliable Accounting Software" March 3, 2026 5.0 My overall experience with Xero was very positive. It is user-friendly and makes accounting simple. Invoicing, bank reconciliation, and expense tracking are easy to manage. It saves time and helps keep financial records organized. Sometimes it feels a bit expensive, but overall it works smoothly and is reliable for business accounting. Pros I liked Xero most because it is easy to use and saves time. The dashboard is clear, and bank reconciliation is very simple. Cons I liked least that some features are limited and a bit expensive. Customer support can also be slow sometimes. Review Source LR Lisa R. Office manager Utilities Used the software for: 1-2 years ### "Xero for Invoicing and reporting" October 16, 2025 5.0 Overall I like the flexibility of the invoicing and reporting within Xero. We do not use the online payment option, yet. I would highly recommend. Pros The process for entering invoices and tracking what we are billing is very easy. I can easily pull reporting (balance reports, invoices, profit and loss, etc). This software is a great value for the money. I have not experienced any bugs or issues. Cons The reason I originally did not use Xero was because our bank does not connect with Xero. Our accountant manually adds the data from the bank. This is on my bank though, not Xero. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) The new account used Xero and not quickbooks. It didn't take me long to adjust. Review Source JL John L. CEO Computer Software Used the software for: 6-12 months ### "Game changing accounting solutions" July 25, 2025 5.0 Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to the next level and I need to put other plans in place in terms of managing my business accounts and reporting. At the moment this is just me as a solo founder, I would love if Xero could also facilitate this transition for scaling businesses with a scale up or expansion onboarding aspect to ensure that practices and requirements for accounting are always easily accessible. Overall I think that I couldn't have picked a better tool, though I am financial literate I am not a chartered accountant yet I feel Xero has allowed me a much more effective way to stay close to my company financial performance, even greater than relying on outsourcing to a more expensive professional in the traditional route. Pros Xero onboarding and low cost entry point for start-ups and first time users give the perfect opportunity to validate the value of this platform. It takes times to understand and know if an accounting service provider is giving you what you need and the onboarding process did exactly this for me and my business. Once I had my integrations set up with my bank for transaction tracking managing my company accounts has been easy, I've been able to easily issue and track invoices for my customers as well as ensure that my accounts are to hand when it comes to VAT and other government reporting requirements relating to financial statements preparations. Cons Xero offers great integrations and really high value use for retrospective accounting. It seems that there is a real opportunity for the team to offer forecasting tools and predictive scenarios to help business owners to plan for their upcoming financial quarters and years ahead. This can be benchmarked or leveraged at a later stage using historical data that is entered into the platform. At the moment I find that I can best deliver this analysis outside the platform however I think that there is place inside the service to manage this aspect of running my business. Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/)[QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reason for choosing Xero After reading various different reviews and looking at the development trends it seemed to me that although the products were equivalent at the time of my selection Xero seemed to be developing and improving their product at a faster rate. They also offered a very strong discounted joining period to allow the use case to be explored without too much financial pressure. Review Source EW Elizabeth W. Finance team Non-Profit Organization Management Used the software for: 2+ years ### "Xero: user-friendly and a great tool all round" June 20, 2025 5.0 The transition was smooth from our former system and has been very straight forward since we started using it. Pros The option to tailor the system exactly to the needs of our team, the clear and well laid out user interface and the direct connection with the bank accounts, making reconciliations quick and easy. Minimal training was required to get people to the standard needed for basic day to day tasks. Cons Nothing to note! All team members are very happy with this system and are really comfortable using it. Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Best option to meet the needs and functions of our team. Review Source DP Doran P. Owner Health, Wellness and Fitness Used the software for: 1-2 years ### "Great Accounting Program For Solo Business" September 12, 2025 4.0 Overall, I'm happy. I would like to see better pricing for micro businesses and for the banking sync to get worked out. Pros I've been with Xero for 3 years now. Customer service is great. I've had to use them a few times for various things and they always get things handled quickly. The dashboard is easy to use and figure out so was setting up my books. Overall, it's a great product. I like the new budgeting tools and reports are robust. Syncs easily with my Square and Amazon accounts. Cons The constant price increases are tough for me to keep in budget. The bank syncing is clunky. There are full months when I can't import the transactions and then have to enter each one manually. Those months suck. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Price and ease of use were the top reasons I switched. Review Source PH Paul H. Owner Mechanical or Industrial Engineering Used the software for: 1-2 years ### "Limited capability" June 25, 2025 2.0 I really like it however not being able to manage sales orders is a huge issue for my business. You would think this would be a simple fix that would significantly increase the penetration of the product as its the way forward. Pros Good for small businesses. Simple to use any can be used on any device. Modern interface and great reporting. Just wish it could do a little more. Cons However, if you have to manage sales orders you need additional software as you can only raise quotes then invoices. This then creates a whole load of integration issues. The support is not there with either the other supplier who blames Xero or Xero who blame the 3rd party supplier. A minefield. Alternatives considered [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reason for choosing Xero Preferred Xero and the way it looked and felt while using Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) We cannot use sage remotely and must have it on our server. Old and clunky Review Source DR Daniel R. Manager Design Used the software for: 1-2 years ### "Good Solod Accounts for small to medium business " April 7, 2025 5.0 Overall very good and subscriptions can be upgraded when required. Pricing is fine as i dont need to emoloy a bookkeeper as i can do most of my own accounts. Its relatively easy if yku have multiple businesses as there are separate profiles for each business and integration is simple for most applications. Pros An intuitive and easy to use interface. The API connects to most banking APIs and has all the necessary features. I can connect to VAT divitally and via HMRC so I am compliant with government regulations. Cons There is little wrong but logging in i have to use my back up email address that is olay but it would be easier if the log in procedure was a little simpler. The advanced accounts reports i dont use so much and the enoloyee/payrol i found a but tricky so some additional training would be required to fulfill some of the more advanced features. Alternatives considered [Sage 100](https://www.capterra.com/p/227232/Sage-100cloud/) Reason for choosing Xero Seemed a more advanced and user friendly system Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) It was the best option when moving from desktop sage. Sage online invoicing seemed a little more complicated Review Source GH Grady H. Office Manager Machinery Used the software for: 2+ years ### "Great value for money " September 24, 2025 4.0 Great piece of software, with a variety of initiative features at a very fair price. Having tools like hubris included makes invoice processing a breeze. Pros Easy to use, good value for money, and integrates well with other platforms to make it a really powerful tool Cons support has to be given by messages which is fine, but always nice to have a agent to talk to for complex issues. Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Outgrown the archaic ways of sage 50, required a solution we could share easily with our accountants that was backed up securely Review Source AF Amanda F. Licensed Real Estate Broker Real Estate Used the software for: 2+ years ### "Xero in Real-Estate Accounting Processes" December 21, 2025 4.0 Automating over 69% of manual accounting procedures such as general ledger, accounts payable and receivables are the key benefits. Pros Accounting tools are essential to all real-estate brokers. I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere. Cons However, some features allocated by Xero aren’t robust enough which forces me to integrate with external Apps, for instance inventory management tools. Review Source AL Amber L. Discharge Planner Hospital & Health Care Used the software for: 2+ years ### "My Opinion on Xero Usage" September 4, 2025 5.0 It has been a remarkable and fruitful journey with Xero in the healthcare industry to carry out accounting tasks online. Pros Xero has a mobile application that allows me process patient payments during discharge in my organization as well as creating invoices automatically. Cons For the entire duration that have been in my current organization, I have never come across any overwhelming scenario while using Xero. Review Source VR Verified Reviewer Manager Apparel & Fashion Used the software for: 6-12 months ### "Xero is the Best" January 19, 2026 5.0 Xero is a fantastic tool and I love how I can manage all of my financial needs. I will be using this for a very long time Pros xero has great customer support, and very easy to use. The features are great and it makes reporting easy Cons I found it a bit pricy for a startup, but it is value for money based on the features it has and that are what every business needs Review Source VR Verified Reviewer Founder and Copywriter Marketing and Advertising Used the software for: 2+ years ### "Great for non-finance people" November 19, 2025 5.0 I've been using Xero for a number of years now and think it's great. I don't enjoy finance and accounting but Xero makes it really easy! Pros Xero makes managing my finances so much easier. Invoicing is straightforward, I can easily reconcile all of my transactions and can run reports without having any finance knowledge. My accountant can also access it easily to do my taxes. Cons I wish it was cheaper. I'm quite a lite user but spend a fair amount of money each month to use the platform. Review Source JP John P. Transport Broker Transportation/Trucking/Railroad Used the software for: 2+ years ### "Transport operations financial management." January 9, 2026 4.0 All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier. It will be a lot less stressful at the end of the month reporting, however, I would like the support team to be more attentive in case of technical glitches. Pros The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow. Cons Customer support is not easy to contact in case there are problems. Bank feed links are sometimes broken automatically. Review Source NN Nicole N. Accounting Assistant Business Supplies and Equipment Used the software for: 1-2 years ### "The more time with the program the more we understand. " June 30, 2025 4.0 I have had my ups and downs with the program but we have finally gotten to a place that it works smoothly for what we need as a business. I would recommend your program to others. Pros The statements and repeating invoices are a breeze with the way they are set up versus our old way of creating statements through Google. Cons The number of additional applications needed to achieve the full experience our company requires. We are not an E commerce business. A lot of the applications do not help our business. Some are just too expensive to add on as an additional application. Review Source EW Emma W. Assistant Manager Hospitality Used the software for: 6-12 months ### "Xero Review " November 10, 2025 5.0 Great, I think the product is powerful and easy to use accounting software, good for bookkeepers and accountants. Pros Easy to use, fresh and dynamic cloud based platform with online support. Data and app integration with other platforms via API is easy. Cons The supplier sections and Pay Bills is not as clean as MYOB, however there is room for improvement from developers. Switched from [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) Changed accountancy firms, and they use Xero Review Source JB John B. Treasurer Civic & Social Organization Used the software for: 2+ years ### "Solid accounting software for small businesses and nonprofits." July 16, 2025 5.0 Xero was easy to configure and put into use for a very small nonprofit without a trained accountant on the staff. Pros Well designed user interface, automatic account synchronization with most major banks, easy to use reports with significant customization options. Cons Budgeting tools are not the most full-featured. For example, Xero can not suggest an annual budget based on prior year spending. Review Source Talk to a Capterra advisor for free and get results within 15 minutes.