# Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Xero the right Trust Accounting solution for you? Explore 3299 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/120109/Xero/reviews --- Xero 4.4 (3299) 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 15th, 2026 # Reviews of Xero Ease of use 4.4 Customer Service 4.0 ## Pros and Cons in Reviews Accessible and intuitive platform 92% positive reviews out of 400 Most reviewers describe ease of use as a major benefit, highlighting Xero’s intuitive layout, straightforward navigation, and quick learning curve, which simplifies daily accounting tasks for users with varying experience levels. Recurring technical glitches 55% negative reviews out of 135 Some reviewers report recurring bugs, system crashes, and unresolved technical issues, which disrupt workflow and require time-consuming manual fixes. Danielle T AP, AR, Payroll, 11 - 50 employees. "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" Comprehensive financial oversight tools 90% positive reviews out of 218 Most reviewers appreciate financial management features, noting real-time dashboards, robust reporting, and automation that streamline tracking, analysis, and decision-making for business finances. tamim H maneger, 1 employee. "Comprehensive Reporting: The robust reporting tools provide detailed insights into financial performance, helping businesses make informed decisions and maintain healthy cash flow" Slow and inconvenient email support 81% negative reviews out of 114 Most reviewers indicate email support is slow, lacks phone options, and often leads to delayed resolutions, causing frustration when urgent help is needed. Stephanie F Owner, 2 - 10 employees. "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues" Streamlined bookkeeping processes 89% positive reviews out of 175 Most reviewers find bookkeeping efficient, citing organized document storage, automated reconciliation, and easy collaboration, which reduce manual work and save time for small businesses. Muhammad Z Accountant , 11 - 50 employees. "Xero is a very user friendly accounting and bookkeeping software and small business can easily use it and manage their business." Restrictive multi-currency capabilities 53% negative reviews out of 59 Some reviewers report multi-currency support is limited, costly, and lacks flexibility for international transactions, making it challenging for businesses handling various currencies. ## Showing most helpful reviews Showing 1-25 of 3299 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 . 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 CG Cecilia G. Administration Religious Institutions Used the software for: 6-12 months ### "User-Friendly Interface" May 26, 2026 4.0 simplifies daily bookkeeping with intuitive features, real-time bank feeds, and seamless third-party integrations. Pros The dashboard is clean, modern, and easy to navigate even if you have no formal accounting background. Cons ’s subscription tiers have increased in cost, which can become expensive for users. The built-in reporting can feel slightly basic if you need advanced customization. Switched from [Reckon Payroll](https://www.capterra.com/p/265987/Reckon-One-Payroll/)[Reckon One](https://www.capterra.com/p/154538/Reckon-One/) It was suggested by an accountant to do the Switch Review Source CS Chloe S. Bookkeeper Accounting Used the software for: Less than 6 months ### "Beware of the system" June 3, 2026 1.0 My overall experience with is that it used to be one of the cheaper options for small businesses and it can be good for accounts with very little traffic. However other subscriptions are better for the price point. Pros is good for bank account reconciliation when it syncs with your account. It is good for testing as it has a demo company you can always reach Cons compared to other softwares add five extra steps when there only needs to be one. The tax set up is horrible and pulls up many errors. Everything goes to a suspense account that needs manual clearing and integrations are blocked so you have to approve them in Xero as well Review Source TO Thomas O. Group Financial Controller Accounting Used the software for: 2+ years ### "A time saver which has formalised out processes, but minor concerns over functionality and fees" March 1, 2026 4.0 We have leveraged to speed up and formalise the controls around finances and accounts preparation. For smaller entities with few transactions it can be a challenge to justify the fees, but having cloud based software is very handy where we have multiple infrequent users vs manging installed software. Pros With we can automate recurring quarterly billing, speeding up the process vs manual invoicing. For audited entities it is very easy to give read only access to Xero to the audit team, which is a significant time saver. It is very easy to link Barclays bank accounts - transactions feed into Xero regularly making it easy to reconcile transactions without the manual process of logging into the bank portal. Cons No in house consolidation between companies. Slight concerns over pricing prices / frequent price increases, for most entities is reasonable value for money, but we have an entity we are not migrating to Xero as it has a USD bank account which would require a premium (more expensive) Xero package. Xero's budgeting / forecasting functions doesn't work correctly for us (changes not saved and budgets not populating correctly) and so we still maintain budgets on spreadsheets. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Pricing and reputation of . Our external bookkeepers are familiar with Xero. Review Source MR Meredith R. Owner Health, Wellness and Fitness Used the software for: 6-12 months ### "Great experience using Xero for small business accounting" May 1, 2026 5.0 Very positive, and I’m very glad we made the switch. The switch from another program took some effort but it’s been pretty straightforward ever since. Pros Extremely affordable cost and the functionality is right up there with other name-brand programs. My accountant loves it and funds it very intuitive. Cons Honestly, not much. There were a few minor challenges with account setup but ’s support team was very responsive Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Quickbooks was expensive and not very user friendly 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 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 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 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 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 NK Navpreet K. Manager and CPA Accounting Used the software for: 1-2 years ### "Simple and easy to use" May 20, 2026 5.0 My overall experience is that the cloud-based system allows users to access their financial information from anywhere, and its integration with many third-party apps makes workflow management much more efficient for reporting and any other tasks. It can be accessible through mobile. Pros is an excellent accounting platform for small and medium-sized businesses. I really like its clean and easy-to-use interface, which makes invoicing, expense tracking, payroll, and bank reconciliation simple to manage. Cons One thing I like less about is that some advanced accounting features can take time to learn for new users. In addition, customer support response times may occasionally be slower during busy periods, and certain features may require higher-priced plans. Review Source RT Rachel T. Accounts Administrator Construction Used the software for: 2+ years ### "Xero Review" May 17, 2026 4.0 Overall, I find 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 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 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 . 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 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 and not quickbooks. It didn't take me long to adjust. Review Source MC Matthew C. Director Machinery Used the software for: 2+ years ### "Xero - a great fit for our small business" December 15, 2025 5.0 In the more than 5 years we have been using the software, our experience with has been overwhelmingly positive. The improvements and new features that have been added in that time have been relevant and well implemented Pros For us as a small manufacturing company that exports its products worldwide, has proved to be an excellent fit with our needs. It integrates seamlessly with our bank accounts in multiple currencies, as well as our MRP system. The VAT reporting makes submitting VAT returns a very straightforward process. The product is simple to use and all members of our team are comfortable with it. Overall, it provides a high degree of functionality at a very reasonable price point. Cons My only complaint would have been that tools for visualising your financial data were a little thin on the ground, but the new analytics features seem to have addressed this. Alternatives considered [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Had all the features we needed at a reasonable price 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 PF Patrick F. IT Consultant Hospital & Health Care Used the software for: 2+ years ### "Used to be good, but Xero no longer cares about supporting their customers" July 30, 2025 1.0 I've been a user of for over a decade, and I've always found them to be a good platform. However, recently there have been more and more price hikes, and then this year with very little notice (2 months), decided to remove the very basic functionality of manually entered payrolls. For some users they have an option of changing their payroll provider to one which integrates with their platform, which is awkward mid-year, and incurs additional costs. In other cases, users are in a region where there is no partner payroll provider available! On top of this, \_another\_ price hike has been announced for the coming months. So in the end, they are raising prices while removing functionality and inconveniencing customers that have been with them for many years. Given the choice between changing accounting platforms or payroll providers, we are looking at getting off Xero, given their increasingly customer-unfriendly practices recently. Pros had been a good, simple platform for our small business for many years, covering our needs at a reasonable cost. Cons In the past few months removed functionality that we and many other users rely on, while at the same time having raised prices with another increase occurring in another few months. Switched from [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) Cost, features, and a superior online experience. 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 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 Richey J. General Manager Education Management Used the software for: 1-2 years ### "Generally Great But Still Slightly Pricey" August 24, 2025 4.0 Generally really good but maybe needs more flexibility on some payroll features. Just being able to click and submit on rti submissions is great. Invoices and accounts generally decent. Pros Easy to use, well set out and organised, payroll is mostly smooth, invoicing and payment processing is straightforward and easy. Cons Some aspects of payroll aren't equipped for specialist HR requirements. Movement between members of staff in the payroll list can be confusing as it removes them from the list when clicked on the staff member. End of Year requirements are persistent even when all completed. Can be quite expensive compared to other software products. But you need to remember it is taking a lot of left work out of the usual admin which is still a saving. 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 Just looking for something different I hadn't used before. 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 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 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 Emma C. Business Support Manager Information Technology and Services Used the software for: 2+ years ### "Xero - user-friendly and intuitive" March 23, 2026 5.0 User-friendly and intuitive for people like me, who don't have finance backgrounds. This would always be my go-to accounts software. Pros I'm not an accountant or even a fully trained book-keepter, but I use every day. Having previously used other packages for our accounts, Xero is brilliant in terms of being user friendly and intuitive. I love that it syncs with our bank, our CRM software and the app we use for expenses. Cons If ever I need support, I feel like I'm scrabbling around trying to work out where to go to get it. I would love to have as chat bubble somewhere obvious - as long as it doesn't lead to getting stuck in a BOT loop! Switched from [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) It was a recommendation by our accountants. Review Source EB Emma B. Financial Controller Non-Profit Organization Management Used the software for: 2+ years ### "Excellent one stop accounting software" January 25, 2026 5.0 My overall experience with is extremely positive. It offers everything I need to successfully do the accounting for a non-profit with good safety features, different user profiles and access, and storage. Pros is an excellent cloud-based accounting platform that is easy to use, and offers very good quick and responsive customer support. Its simple, clear dashboard makes everyday accounting tasks—such as invoicing, bank reconciliation, and expense tracking—efficient. It has many different functions and capabilities which speed up reconciling and customisable reports. It is able to integrate with other software and banks. It offers great value for money for all the features it has. Cons can slow down when you have a lot of transactions, but into the hundreds of thousands and it is not too slow that it is unusable, and this is a minor element, and all the pros outweigh this small con. Review Source RG Rishi G. Software Engineer Information Technology and Services Used the software for: 2+ years ### "It may seem silly but I love Xero for the way it works" January 25, 2026 5.0 I am glad to be rid of my spreadsheet for billing. I always messed up the formulas on those and they were a pain to keep up with. Every now and again, the expense tracker double charges me after syncing with my bank and I have to go in and delete the duplicate entry manually so I don't confuse myself. Some of the features work better than I would have anticipated for helping me keep all of my business in one place. Pros The phone app is decent for logging my hours when I am waiting for my coffee (which is also nice). Billing customers has been less of a disaster than I had anticipated. I was also pleased that the sync function worked. The calendar helps me track who owes me money and I am just glad I can finally see the dates. I was not expecting the program to be as easy to use as it was for something that deals with numbers. Cons I do dislike how often I get logged out of once I close the tab. Then I have to sit through another annoying OTP code to get back into my account. The reporting features are very basic and there is no ability to really customize them to show more detailed financial information. Xero is way overpriced for what I feel it does, and losing all of my data if I decide to cancel my subscription is terrifying to me. Review Source Adrien J. CEO Real Estate Used the software for: 2+ years ### "Bank feed not working as advertised" March 9, 2026 1.0 Very poor, we are considering switching to another solution, one that delivers what it advertises it does and with a product team that takes ownership when it falls short. Pros Simplicity and ease of set-up. Problem is product does not work as advertised and does not want to fix. Cons Bank integration does not work as advertised. Information comes truncated. Although they acknowledge the issue, does not want to take ownership of fixing it. In short, they sell something they don't deliver. This is scamming customers. 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 item code. Review Source VR Verified Reviewer Manager Apparel & Fashion Used the software for: 6-12 months ### "Xero is the Best" January 19, 2026 5.0 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 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 Mahi P. Data Scientist Information Technology and Services Used the software for: 1-2 years ### "Best Accounting Software for Small Businesses" January 26, 2026 5.0 My overall experience with has been fantastic because It simplifies accounting tasks and helps keep everything organized. It is a reliable tool for managing daily finances without any hassle. Pros is extremely easy to use for beginners and that dashboard is very clean and gives a quick overview of my business finances. I really like the reporting features they are detailed and easy to generate and It offers great value for money considering the time it saves on manual work. The features like invoicing and bill tracking are very helpful. Cons Sometimes the customer support takes a bit longer to respond than expected Occasionally and I have faced minor bugs and issues with the bank feed connection but they usually get resolved. Review Source Karen G. Administration manager Information Technology and Services Used the software for: 1-2 years ### "Xero is the accounting go to" July 30, 2025 5.0 This is my go to for all my accounting, both in business and personal. It makes budgeting a breeze. Pros is so easy to use, one of the better and more flexible accounting programs. The links to accounts, hub docs, and tax make this a go to for any accounting use Cons is user friendly, so no real cons of note. I honestly have yet to find a fault or anything negative. 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.