# Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Xero the right Billing and Invoicing solution for you? Explore 3311 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 (3311) 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 July 21st, 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 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 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 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 ## Showing most helpful reviews Showing 1-25 of 3311 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 PB Peter B. Managing Director Information Technology and Services Used the software for: 2+ years ### "Its nice that Xero does work & doesn't crash" July 7, 2026 5.0 Its great to see that with this new version of Xero there isn't a need for us to manually type out every Accounts Receivable document as you can simply use a journal entry. This will probably eliminate some of the arguments between Sales Team & Finance Teams since it ties directly into Salesforce. Overall, I'm glad its been able to handle our international entity access without freezing up the server. However, I still think the fixed assets are clunky... but hey at least the core accounting functionality works. Pros Xero's multi-entities didnt completely freeze my computer (which I thought was going to happen) when we finally got access to them. And the AI bill upload is meh, I suppose. It works occasionally and I get to not spend as much time uploading bills. We are able to track purchases by departments without having to create 1000s of user logins for each account so that is good. Cons I think the pricing is high, other than that everything is good about Xero. So no complaints.. from my side. Review Source Sharon T. Managing director Non-Profit Organization Management Used the software for: Less than 6 months ### "Xero is complex" April 3, 2026 3.0 It was a cheaper option than other software however i wish i hsd looked further into before signing up . Other business had advised me it was eady to use howrver it has took me so much more time thsn a basic spreadsheet and i just cant get away with it . I have had nunerous times onto customer support screen sharing and an onboarding session and still do not like this Pros There is a lot of customer support available however its not instant and when your completing your account's you need an immediatre response not a call back Cons Its complicated to use and no-one explained you need multiple apps to upload your receipts and bills and pages of uploads banking invoices . I have found it very complex and frustrating Review Source NC Nikki C. permit technician Construction Used the software for: 2+ years ### "Simple and Efficient Cloud Accounting" April 27, 2026 5.0 My overall experience with Xero has been positive. It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features. It’s especially helpful for keeping finances organized in one place. However, some advanced reporting and customization features can feel limited, and support isn’t always fast, but overall it’s a reliable and efficient accounting tool. Pros 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. Cons What I liked least about Xero is that customer support can be slow and limited, and some advanced features like reporting, payroll, and customization feel less flexible or harder to use than expected. Alternatives considered [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero I chose Xero over alternatives like QuickBooks, Zoho Books, and FreshBooks because it offered a better balance of ease of use, strong automation, and scalability. It also provides cleaner reporting, better integrations, and unlimited user access, which made it more efficient for managing growing business needs and collaborating with teams. Review Source LC Laura C. Administration Manager Consumer Services Used the software for: 6-12 months ### "Easy even for the newbies!" June 3, 2026 5.0 Pros Very easy to navigate, as someone new to accounts spaces I find it very intuitive and user friendly. I especially love that the home page is customisable so I can change it to only see the accounts I need. Invoicing is a breeze, with option to import invoices straight from emails and copy previous invoices it saves so much time! The reporting area can feel intimidating to begin with, but once I favourited the ones I need I now find it very straightforward. Cons There have been some occasional reliability issues, with updates sometimes taking a day or two after the incident to be communicated by their support team. Review Source NB Nerisha B. Senior Bookkeeper Construction Used the software for: 2+ years ### "My thoughts on Xero!" June 27, 2026 5.0 Pros I like how Xero make Invoicing to be quick and online first so that we can create,send and track invoices from anywhere. Cons Xero has been of great help while using it,I can’t find anything to highlight as a dislike its 100% amazing Review Source RL Ryan L. Accountant Accounting Used the software for: 2+ years ### "Best software for long term" June 26, 2026 4.0 Pros Easy to use for non-accountant and integration with other software is good so you do not need to work on several software. Cons Price is a bit expensive for micro business. I wish Xero brings affordable payroll module for micro businesses. 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 TK Tim K. Assistant Professor Emeritus Education Management Used the software for: 1-2 years ### "User Friendly Financial Management System with Great Accessibility" June 4, 2026 4.0 Pros The best thing about Xero is that it is cloud based which means I can access it from anywhere and can manage finances also the process of bank reconciliation is pretty quick. Cons The main thing which I don't like much about the Xero is its customer support which takes a lot of time to response. 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 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 Xero 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 Xero 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 Xero 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 Xero. Our external bookkeepers are familiar with Xero. 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 SP Shelley P. Manager Retail Used the software for: 6-12 months ### "A nice alternative to Quickbooks" June 24, 2025 4.0 It's been good overall experience. I would suggest it to others, especially if they are looking for an alternative to the overpriced Quickbooks. Pros If you already understand accounting programs like Quickbooks, it is relatively easy to transfer to Xero. I enjoy the ease of use and reports which are customizable for specific needs. Setting up contacts, products and services and the chart of accounts is easy too. The import and export feature works nicely too if you are setting up a new account or moving data from one file to another. I also like that the price is less and more reasonable than Quickbooks. Cons I wish Invoice, Quote and PO templates were easier to customize. I wish I could send attachments with POs. We need to send art files with our POs. I wish the APPROVE button was at the TOP of the POs like it is in invoices. I keep sending POs that say DRAFT because the APPROVE button is at the bottom. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Xero is less expensive and easier to use than other products. 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 Xero 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 Xero 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 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 Xero 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 Xero 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 Xero 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 Xero 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 Xero 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 Xero does not want to fix. Cons Bank integration does not work as advertised. Information comes truncated. Although they acknowledge the issue, Xero does not want to take ownership of fixing it. In short, they sell something they don't deliver. This is scamming customers. 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 DB Darien B. Essential Services Consultant Telecommunications Used the software for: 2+ years ### "Using Xero for Telecommunications Accounting Needs" August 26, 2025 5.0 Pros It was easy to implement and start using Xero without partnering with external system deployers. I like how it makes it easy to process payments online, manage inventories and customize invoices. Cons Even though Xero lack global enterprises accounting features it has a robust integration capability that allows me to connect with external tools such as SAP Concur. 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 JE Jackie E. Director of Risk Management Hospital & Health Care Used the software for: 2+ years ### "Xero Insight" August 6, 2025 5.0 Pros Xero allows me to save time by automating workflow. Repetitive tasks such as invoicing and billing has been easy to carry put without involving manual procedures. Cons I am a daily user of Xero and I have not yet discovered challenges when utilizing it to match payments on my part. 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 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 DA Dharmpreet A. Backend Software Developer Financial Services Used the software for: 2+ years ### "Xero Review" January 26, 2026 5.0 My overall experience with Xero has been a breeze since even with little accounting experience, I am able to create, customize and send emails. Pros Xero offers automation tools that help save time and reduce financial errors when carrying out invoicing and billing tasks. Cons Since I implemented Xero, I have never faced any bug and features were straightforward to customize without seeking support. 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.