--- title: "Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Xero the right Trust Accounting solution for you? Explore 3334 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" publication_date: "2026-10-19" --- Xero 4.4 (3334) 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 October 19th, 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 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 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 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. “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 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 NK Navpreet K Manager and CPAAccounting, 11 - 50 employeesUsed the software for: 1-2 years. “I really like its clean and easy-to-use interface, which makes invoicing, expense tracking, payroll, and bank reconciliation simple to manage.“ May 20, 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 ## Showing most helpful reviews Showing 1-25 of 3334 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 GO Gabriella O. Human resources manager Telecommunications Used the software for: 1-2 years ### "Xero is powerful but not without its drawbacks " September 3, 2026 5.0 Pros Xero makes invoicing simple with quick professional invoices and automated payment tracking.I also like how its reporting offers clear real time financial insights to support smarter decisions. Cons Sometimes it’s pricing can be higher for smaller businesses ,anything else was perfect while working with it. Review Source RC Ron C. Engineering and Maintenance Leader Industrial Automation Used the software for: 2+ years ### "A simple accounting" September 13, 2026 3.0 Pros Clear interface that's easy to pick up even without advanced accounting training, good tracking of expenses related to our raw material purchases, financial reports generated quickly, accessible from any device. Cons Fatures sometimes limited for a complex industrial environment, less natural integration with our production management tools customer support not always very responsive Review Source PR Pupp R. Owner Events Services Used the software for: 6-12 months ### "Xero takes some learning but is definitely worth it" July 15, 2026 4.0 Overall I like using Xero. I have tried other accounting software options over the years and this is my favourite. It’s not completely beginner-friendly but that’s only because it is such a comprehensive piece of software. If you take the time to learn how to use it properly and set it up to your specific requirements it’s great. Pros I like the integrations available with Xero, it is compatible with a number of other services and softwares we use. I also like the scope of capabilities Xero has. Cons It isn’t the easiest software to use if you aren’t already experienced in using accounting software. Even if you have some experience using other accounting software you’ll still likely need to do some basic training or self-learning in order to use this software to its potential. Alternatives considered [QuickBooks Online Accountant](https://www.capterra.com/p/229996/QuickBooks-Online-Accountant/) Reason for choosing Xero Xero had better compatibility with the other software we use and it also had a better price offer at the time. Switched from [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/) We outgrew Zoho and decided to go for Xero as it was compatible to integrate with the various other products and platforms we use. 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 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 Loic J. Managing Director Accounting Used the software for: 1-2 years ### "Great product, easy to use. " July 21, 2026 5.0 Pros Easy to use, easy to integrate with and gets the job done quickly with no fuss. As a developer their API is open and not paywalled which is nice. Cons Wish the base tier was not so limited in terms of number of bills and invoices. End up doing workarounds because of this. Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) Reason for choosing Xero MYOB is not great. Very fragmented product line with very anti consumer business practices. API is paywalled. Review Source mR muhammed R. technical engineer Computer Networking Used the software for: 6-12 months ### "Simple and Reliable Accounting Solution" September 21, 2026 5.0 Pros Xero is easy to use and makes accounting tasks simple and organized. I especially like the clear reports, invoicing features, and easy access from anywhere. Cons Some advanced features can take time to learn, and the pricing may feel a little high for smaller businesses. Review Source AC Arni C. CEO Health, Wellness and Fitness Used the software for: I used a free trial ### "Absent customer support on anythingA" September 6, 2026 1.0 Terrible. I could not even cancel my account due to their authentication issues. Its too bad because their is a fair amount of upside to this company. Pros Downloading bank statements easy. Simple interface makes it easy to navigate, however it can be challenging if you are dealing with multiple accounts. Cons Horrible customer service. Serious login issues can keep you out of your account, and there is no customer service phone, or even chat function. Because of this I am canceling my membership, but even this is turning out to be a chore. 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 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 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 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 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 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 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 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 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 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 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 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 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 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.