--- title: "Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Xero the right Trust Accounting solution for you? Explore 3321 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/120109/Xero/reviews/" page_type: "reviews" language: "en" --- Xero 4.4 (3321) 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 August 26th, 2026 # Reviews of Xero Ease of use 4.4 Customer Service 4.0 ## Pros and Cons in Reviews RR Rebecca R Production managerConstruction, 11 - 50 employeesUsed the software for: 1-2 years. “I also appreciate the cloud-based access, which allows me to manage accounting from anywhere, along with the seamless bank integrations that help save time and keep records accurate.“ May 22, 2026 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 NC Nikki C permit technicianConstruction, 2 - 10 employeesUsed the software for: More than 2 years. “What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing finances much more straightforward.“ April 27, 2026 BN Bill N Senior Financial AccountantAccounting, 501 - 1,000 employeesUsed the software for: 1-2 years. “Reporting and workflows aren’t very flexible like some other larger ERP systems, which can be frustrating especially as our company grew in size and required more advanced and granular reporting.“ April 19, 2026 NC Nikki C permit technicianConstruction, 2 - 10 employeesUsed the software for: More than 2 years. “It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features.“ April 27, 2026 AB Andrew B OwnerBusiness Supplies and Equipment, Self-employedUsed the software for: Less than 6 months. “There was no phone support option available, and I couldn’t even properly access my own account to manage the cancellation until I enabled two-factor authentication.“ May 22, 2026 Rashi B Treasury AccountantFood & Beverages, 11 - 50 employeesUsed the software for: Less than 6 months. “The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier.“ April 12, 2026 Rashi B Treasury AccountantFood & Beverages, 11 - 50 employeesUsed the software for: Less than 6 months. “I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports.“ April 12, 2026 ## Showing most helpful reviews Showing 1-25 of 3321 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Abbey W. owner, founder Retail Used the software for: 2+ years ### "Simple to use and learn and still robust!" January 20, 2026 5.0 I've tried a few bookkeeping programs and either they didn't have enough features to be useful or they were so overly bloated, it made it difficult to do basic tasks or get simple reports on the health of my business. Xero threads the needle perfectly, being simple to use and get the information I need while still being robust enough to fill all of my business needs. Pros Xero is very affordable and the learning curve is much lower than other bookkeeping programs. The reporting dashboard gives me the information I actually need and it's a breeze to hook up my accounts. Cons Sometimes my accounts disconnect randomly and it takes a little bit to get them synched up again without missing any transactions or having them appear more than once. Alternatives considered [17hats](https://www.capterra.com/p/144328/17hats/)[FreshBooks](https://www.capterra.com/p/142390/FreshBooks/)[Harvest](https://www.capterra.com/p/75598/Harvest/) Reason for choosing Xero These products, while affordable, didn't offer all the features. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Quickbooks was too expensive and complicated to use Review Source BD Ben D. Head Brewer and Founder Food & Beverages Used the software for: 2+ years ### "Intuitive, well-connected and time-saving accounting software" July 2, 2026 4.0 It has greatly improved my bookkeeping process and helped me keep track of our company finances. It's rare that I need help but when I've reached out to the customer support team the responses have been quick and helpful. Pros It loads quickly, information is set out in an easy to access manner. It integrates very well with other platforms and makes reconciliation very quick and easy. Cons Sometimes you have to dig too deep into more unusual locations to find the information required. There is a tendency to drop connections to bank accounts from time to time and the process for reconnecting can take a little while. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Far better to use Xero. Everything was more intuitive and better laid out, particularly for a UK business Review Source KH Kira H. Information consultant Information Services Used the software for: Less than 6 months ### "Efficient Cloud Accounting That Keeps Daily Bookkeeping and Bank Reconciliation Effortless"" August 28, 2026 5.0 Our financial procedure has been greatly improved using Xero. Our monthly closing time was nearly halved by switching to cloud accounting, which also eliminated the need for manual spreadsheet tracking. Instead of hurrying around tax time, we can classify spending on a daily basis by connecting bank feeds directly into Xero. Our cash flow has also significantly improved because to the platform's capacity to issue invoices instantly and monitor when clients read them. Although there are a few small issues with direct support response times, the platform's dependability and efficiency improvements make it an essential tool for our operations. Pros I really enjoyed the strong third-party integration library—it makes connecting with Stripe, PayPal, and payroll processors seamless. The clean, modern dashboard also provides a clear snapshot of cash flow, unpaid invoices, and upcoming bills at a glance. Cons Customer support is primarily ticket- and email-based, so getting a quick response to urgent, real-time issues can take longer than desired. Recent price-tier increases also make the platform somewhat expensive for micro-businesses that only need basic invoicing features. Review Source Bryce M. Founder Marketing and Advertising Used the software for: Less than 6 months ### "Xero application fees are a hidden 2.9 - 4.4% fee on when providing a payment gateway for stripe." February 7, 2026 2.0 I feel as if I've been scammed by xero out of 3-4% of my income on top of their monthly fee as a hidden surcharge for doing business using them. I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or justification for the fees they're just there without notice, recourse or warning. Pros Payment gateway set up was easy. Initial set up was fairly simple. I like that invoicing customers is simple enough. As a consultant, I found that valuable. The dashboard was complicated though and getting specifically to my customer payments not intuitive. Cons I feel I was cheated by them. They were charging anywhere from 2.92 - 4.42% in "xero application fees" on top of the stripe fees for stripe's payment processing. I only saw these fees once I went into my stripe portal to process a refund after a month. It's not even a standard rate and the variance isn't based on dollar amount, it doesn't make any sense. This means in order to process a client's payment through xero and stripe, I'm paying anywhere from 6-10% in fees with stripe and xero combined. None of these fees were explained up front from Xero's end though stripe's certainly were. Just googling "xero application fees on stripe" I find I'm not the first or even the first dozen to raise this problem and none of the raised responses on their message boards lead to a resolution. I'm now being forced to research another payment portal provider in the middle of the month because I refuse to send this last month's invoices and pay 10% in fees to xero for it. As I look into other applications like quickbooks, they don't charge fees for payment portal, I've gotten no explanation from xero as to why they do. Furthermore, stripe allows payment processing fees to be passed onto the client, this fee is yours as a xero customer whether you like it or not. Switched from [FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) I only needed a payment portal and monthly invoice system, freshbooks was trying to be an all-in-one solution and not doing it "all" effectively. I switched to xero because my primary client had other consultants who were also on xero and I wanted to ensure I was sending similar invoices that wouldn't be jarring to the client. Review Source VR Verified Reviewer BD Director Legal Services Used the software for: 2+ years ### "Solid accounting software" June 25, 2026 5.0 I use Xero for two of my businesses and very happy with it. The reporting is top notch, it’s intuitive to use and generally it is just a solid software. Pros Easy to use, good access restrictions in place, great reporting features, team is constantly developing new features and updating UI. Cons Can be quite expensive for a small business. Bank integrations can be a bit fiddly at times and don’t work properly on occasion. Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) Reason for choosing Xero Seemed easier to use and was preferred by our bookkeepers. Review Source LP Luke P. Head of Support Information Technology and Services Used the software for: 2+ years ### "Best software as long as you get the right package " August 15, 2026 5.0 Very positive overall just make sure that you get the right package else you'll have to keep having add ons or be rather limited Pros Best bank matching and reconciliation around. The reporting is fantastic and allows us to pull reports for management as needed. Cons The support could be better. A little frustrating you can't just pick up the phone and speak to someone if you have a quick query Review Source MF Matt F. Director Health, Wellness and Fitness Used the software for: 1-2 years ### "User friendly" July 12, 2026 5.0 Positive experience. Took some time initially to get used to but as it is now digital it is essential. It is easy to use and quick. Pros Easy to use and reconcile. New reports are useful. Quick and easy to add receipts as well. Links with bank feeds easily enough and syncs with Stripe and Go Cardless. Cons Remembering where to go for different reports. There are so many can be a bit overwhelming but then that can be a bit of user error and I should take more time to see what more it can do. Review Source VO Vincent O. Owner Accounting Used the software for: 1-2 years ### "Recommend Xero for small busines" August 6, 2026 5.0 Overall, I highly recommend it for small businesses that do not have very much accounting to do ( for example, they have income and expenses) Pros Very easy to use, very easy to install and set up. Great customer service and very inexpensive for a small business. Cons They push a little too much on trying to get referrals. They also team up with 3 rd parties and try to get you to use these third parties. Review Source HH Heather H. Marketing and Communications Executive Investment Management Used the software for: 2+ years ### "The ultra-efficient accounting dashboard" July 7, 2026 5.0 Pros Xero has become the beating heart of my financial management. What I love most is the real-time automated bank synchronization. Bill management and multi-currency expense tracking are absolutely seamless, which is vital for my international asset portfolios. Cons the pricing policy tends to increase regularly without major new features, and the cost climbs fast if you add extra modules like advanced expense management Review Source JF Jacs F. Owner Hospitality Used the software for: Less than 6 months ### "Finally ready for Making Tax Digital" August 19, 2026 4.0 Super easy to tag expenses to specific properties and track rent coming in, though setting up separate tracking categories took a little tinkering. Pros Honestly, it just makes invoicing super easy and keeps everything organized without feeling like actual accounting. Cons I wanted to get ahead of Making Tax Digital before it becomes mandatory, but it took a bit to get the hang of, and the price keeps going up for basic features. 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 CR Charly R. Operations Manager Food & Beverages Used the software for: 2+ years ### "Xero , or how to simplify your accounting" May 3, 2026 5.0 Overall it has been great , I have tried MYOB before but Xero is way more user friendly , fast , cheap and convenient Pros The conveniency and the user friendly part , I do use Xero since 3 years now over 2 businesses , simple to learn and so much time saved Cons to be honest , everything is pretty great when using Xero , I couldn't fault anything for now beside of the website being off once in a while Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) Reason for choosing Xero Xero is more user friendly that MYOB , the switch was great Review Source VR Verified Reviewer Treasury Accountant Food & Beverages Used the software for: Less than 6 months ### "Efficient and User-Friendly Accounting, with Minor Limitations for Advanced Needs" April 12, 2026 4.0 My overall experience with Xero has been very positive, especially for managing day-to-day accounting tasks efficiently. The platform is easy to navigate, and features like bank reconciliation, invoicing, and real-time financial tracking make routine processes much quicker and more organized. It’s particularly useful for keeping everything in one place without needing multiple tools. At the same time, I’ve found that for more complex requirements, like detailed reporting or advanced customizations, it can feel a bit limited and sometimes requires workarounds using external tools. Despite that, for regular accounting needs and overall usability, it’s a reliable and user-friendly solution that has significantly improved workflow efficiency. Pros What I like most about Xero is how intuitive and time-saving it is for day-to-day financial management. The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier. I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort. The invoicing function is also smooth, with easy customization and quick sharing options, which helps streamline client interactions. That said, while it’s great for standard accounting needs, it can feel slightly limited when dealing with more complex reporting or highly customized requirements. Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution. Cons What I like least about Xero is that some of its advanced features can feel limited, particularly when it comes to highly customized reporting or complex financial analysis. For example, generating detailed, tailored reports often requires exporting data to Excel, which adds an extra step. I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports. Additionally, certain features like multi-currency handling or more advanced integrations, are only available in higher-tier plans, which can make it less cost-effective for growing businesses. Review Source JC Jasmine C. Accountant Accounting Used the software for: 2+ years ### "Perfect for small businesses" April 22, 2026 5.0 Xero is one of the best accounting softwares I have used. It's very user friendly and perfect for small businesses. The limitation is for bigger businesses that have multiple subsidiaries, however for small businesses wanting to manage everyday accounting, it's the perfect choice. Pros It's very user friendly. The bank feeds, journals, AP and AR function are all very straightforward and the layout is nice to use. Cons Importing the chart of accounts can get a bit complicated, but that's expected. There's not much else I don't like. Review Source VR Verified Reviewer CEO Accounting Used the software for: 2+ years ### "Xero is the hero finance tool you need" January 20, 2026 5.0 I love this product I use it as a go to financial tool and I love the integration with bill.com. Makes my life way easier Pros Xero is a gamechanger true value for your money. It's easy to use, great customer service that fixes bugs and issues in a timely manner. Love the user interface dashboard and exceptional features Cons I don't really have an negatives with this product. Maybe the price is a bit heavy for startups without investors but for automations etc. Its just like worth it to get 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 Craig B. Managing director Entertainment Used the software for: 2+ years ### "Makes accounting fun" October 31, 2025 5.0 Overall Xero get a big thumbs up from us, it would take a lot to convince us to change software. Very easy to follow and makes accounting mire fun. Pros With accounting going digital, Xero is affordable and user friendly, allows multiple usersvwith various levels of access. Oir accountant is a verified user so we get top notch customer support through them. Endless features allow each individual to approach reporting and reconciliation in whichever way suits them but all lead to the same resaults. The Dashboard can also be customized to suit which information is important to you and allows to you see the important information at a glance. Cons There isnt really anything to dislike, If you don't understans how to report and record your income and expenses i imagine it could be a little daunting. But with initial guidance, it all comes clear very quickly. Review Source BG Brock G. Digital Marketing Manager Telecommunications Used the software for: 2+ years ### "A Predominant Solution with Seamless Accounting Management. " September 26, 2025 5.0 Generally Xero speed is great and has been reliable in streamlining our bookkeeping ,invoicing and reconciliation processes. Pros Xero pricing is extremely attractive and ability to use it from anywhere us a huge plus.Automation kg bank feeds and reconciliation helps to save another of time and reduces errors. Integrates seamlessly with PayPal and bank which makes it easy to handle payments and purchases. Offer real time visibility into financial data .Gives live dashboard for cash flows ,expenses and invoices . Cons Xero has a limited reporting though for anyone who needs standard reports it meets the needs perfectly. For more advanced reports sometimes it require additional data add -ons. Review Source RT Rachel T. Accounts Administrator Construction Used the software for: 2+ years ### "Xero Review" May 17, 2026 4.0 Overall, I find Xero very easy to use and it produces the reports we need well. Xero keeps us well informed with changes. Pros Bank reconciliations are quick and easy with the "match" function which easily allocates receipts. Being able to memorise bills also saves time entering. Cons Lately there have been some software issues which slowed things down, but these happen rarely. Overall performance is great. Review Source Deborah K. VIrtual Assistant Consumer Services Used the software for: 2+ years ### "User friendly, especially for individuals" January 16, 2026 5.0 So far, so good. A lot of helpful articles available and the Help desk is also prompt with responding. Pros It is very user friendly, especially for small self employed businesses! Customer support are prompt in replying. Cons Would be great if there was a Favourites area on the home screen for easy referral to what is incoming/outgoing/owing rather than having to open issued invoices individually. Also would like to be able to label transactions when reconciling, so that instead of deleting lines individually from bank statement import that are personal transaction not related to my business in any way, a label will then just disregard the transaction instead of continually trying to match it with a Xero item code. Review Source AP Alissa P. AGENT Transportation/Trucking/Railroad Used the software for: Less than 6 months ### "Simple and Reliable Accounting Made Easy" April 12, 2026 5.0 It’s a reliable and user-friendly accounting platform that makes day-to-day financial management easy and efficient. It’s a great option for businesses looking for a simple but powerful solution. Pros Very easy to use and makes managing finances simple. The invoicing and reporting features are strong, and the dashboard gives a clear overview of everything in one place Cons There are occasional minor bugs, but nothing that significantly impacts use. Customer service slow at times. 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 AB Andrew B. Owner Business Supplies and Equipment Used the software for: Less than 6 months ### " Why I Won’t Use Xero Again After This Billing Experience" May 22, 2026 1.0 Pros I personally could not find any meaningful positives during my experience with the platform. I also encountered issues where account balances and financial information did not always appear accurate or clear, which reduced my confidence in the software overall. Cons I’m honestly still shocked by this experience and wanted to share it so others are aware before signing up for one of Xero’s promotional offers. I signed up during a 100% off for 6 months promotion. After the promotional period ended, billing resumed automatically on an account I was no longer actively using. I didn’t realize charges were continuing until multiple payments had already processed. As soon as I discovered it, I contacted support and explained the situation. I wasn’t demanding anything unreasonable — I simply asked whether they could provide some level of goodwill refund or adjustment considering: the account was inactive, I caught it shortly after discovering the charges, and I had not continued actively using the platform after the promo ended. What surprised me most was the overall experience afterward. There was no phone support option available, and I couldn’t even properly access my own account to manage the cancellation until I enabled two-factor authentication. The cancellation process itself was much more difficult than expected. After escalating the issue, their billing team ultimately told me: they do not monitor account activity, they do not send reminders before promotional pricing expires, and subscriptions continue indefinitely unless manually canceled. Technically, I understand they can point to the terms of service. But from a business perspective, I genuinely do not understand burning a potential long-term customer relationship over roughly $150 on an inactive account instead of showing some flexibility or goodwill. Review Source Joseph A. Accounts manager Building Materials Used the software for: 1-2 years ### "Efficient and User-Friendly Cloud Accounting Solutio" August 20, 2025 5.0 Pros User-friendly interface – very intuitive design makes it easy to navigate and reduces training time. •Cloud-based accessibility – being able to log in anytime, anywhere, and collaborate with clients in real time is extremely valuable. •Automation – features like bank feeds, rules, and automatic reconciliations save a lot of manual work. •Integration – strong ecosystem with add-ons (payroll, projects, reporting tools, etc.) that connect seamlessly. •Real-time reporting – up-to-date financial information helps with decision-making and client advisory. •Collaboration – multiple users (including accountants, bookkeepers, and business owners) can work simultaneously. Cons •Reporting limitations – the standard reports are good, but sometimes lack depth or customization compared to larger ERP systems. •Payroll complexity (AU/NZ regions) – payroll setup and compliance updates can be a bit tricky to manage. •Large transaction volume performance – with very high data volumes, it can feel slower compared to desktop software. 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 ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.