# Page 2 | Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Xero the right Billing and Invoicing solution for you? Explore 3290 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 (3290) 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 # Page 2 - Reviews of Xero ## Showing most helpful reviews Showing 26-50 of 3290 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use SS Sharelle S. Estimator Construction Used the software for: 2+ years ### "A fresh and vibrant accounting software package" April 27, 2026 5.0 For the times i was running a multi-million dollar construction company - to when I branched out into a solo world, Xero was there to hold my hand every step of the way. Faster payments, smoother transactions - hosts of plug-in software to make Xero as unique as your own business. Easy to teach to newbies - fantastic at handling high-level accounting. Pros The sheer beauty of the user experience - it has grown and changed but always maintained a fresh and vibrant look and feel - as easy as apple pie ;-) Cons The subscription cost for lower end users - they don't really do a 'minimal entry' platform that doesn't hurt your pocket if you're having a rough month. Like all platforms, they have to decide which features that users request will be implemented, and that left some users feeling ignored and out in the cold. It just cant be perfect for everyone, but its damn close! Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) Reason for choosing Xero MYOB wasn't there yet and felt very strange compared to the instantly familiar interface of Xero. Switched from [Reckon One](https://www.capterra.com/p/154538/Reckon-One/) At the time (2013) Cloud accounting was just coming online and Reckon was being left for dead. The ability to do the accounts wherever I was rather than having to be at a certain computer was so liberating and delivered many cost savings in the construction business I was running. 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 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 SK Sam K. Projects Manager Food Production Used the software for: 2+ years ### "Complete Accounts Package" April 2, 2026 5.0 It is a complete accounts package and does everything you could need it to do. It is simple and easily navigable and if there is something you don't know how to do it is often simple to find out how. Pros We have used Xero for several years to do our accounting. We moved over from Sage. What I like about Xero is it is simple. Everything is laid out sensibly and it is easy to navigate. There are access to many different pre-made reports as well as the ability to customise and favourite as well. We have this software linked to our Cybake account and send over invoices from there daily. We also raise invoices within Xero itself. We also use it for bills. I use this everyday and have never encountered an issue. When there is something I don't know how to do i have never needed to contact customer support. I just search online to find the answer quickly. Cons Some of the pre-made reports have very similar names. Which can be confusing at first until you learn them but that is similar to other software we use or have used in the past. Just means sometimes I click a few different ones before I land on the one I want. Not a big issue. Switched from [Sage 100](https://www.capterra.com/p/227232/Sage-100cloud/) We used Sage as a more all in one package and it served it's purpose well but we wanted to move to a more dedicated accounts package. Review Source VR Verified Reviewer Finance Operations Automotive Used the software for: 2+ years ### "Xero wins every time!" February 12, 2026 5.0 I have used Xero for over 16 years and would still recommend it as the best finance software tool for any business. Pros Xero is simple to use and has a clean interface. They also have a comprehensive knowledge base and community that can answer just about any question. Invoicing is simple and easy to send, there a very very rarely, if any, bugs and the reporting options continue to grow. Everything you need is in Xero. Cons The pricing could be better and it needs some work for companies who deal with multiple currencies (examples: being able to make payments from Xero via batches for other currencies, or when reconciling it doesn't default to AUD) Review Source 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 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 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 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 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 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 DE Daryl E. Consultant Information Technology and Services Used the software for: 2+ years ### "Xero - Used to be the best accounting package in the world." October 9, 2025 1.0 I dread every new change they announce. If i could move my companies out of Xero (4 companies and one charity) and onto something that looks like what Xero used to be, i'd do it in a heartbeat. I moved them all off MYOB in about 2008, and it doesn't look like MYOB has improved much since then, and there are no others on the horizon that i know of. Its a sad state of affairs for the future of online accounting packages. I'd describe my time with xero as about ten years of honeymoon where it was the best thing since sliced bread. Xero really lead the world in smart accounting and smart UI. I'd describe the rest of my time since then as miserable, much like an abusive relationship. I dread having to make changes to quotes and invoices because bugs in the UI are so common. Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on that line, and put $10 on the next line item down. Now its correct, so you click save, and it won't save. So you change the discount to a percentage that equals $10 - nope, that doesn't let it save. The error message doesn't help - it just says that there was an error and the quote can't be saved. You check your internet connection - that's fine. Eventually you might just delete the quote and re-create it, and its probably going to work. What you don't know, and Xero is in no mood to let you know (and no intention of fixing this - its been there for ~ a year) is that a discount of "" (an empty field, where you deleted the incorrect discount) will prevent the quote from saving. This is an incredibly simple UI bug to fix, its literally just adding \[if discount\[line\]=''; discount\[line\]=0\] to the code - about 40 characters added, but the a holes managing the xero devs haven't managed to assign someone to that bug for about a year. Their helpdesk are told to inform you that you should just enter "0" instead of pressing delete. This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users (once you have someone subscribed, they will likely be tied in for at least 12 months by the time they realise the horrors that occur), or improve shareholder value. A good example of this is advertising plastered over the interfaces, especially the invoicing module. Many of us have no intention of using Xero's online payment system - our customers just don't want that, they pay by direct credit, but what used to be a short link is now a large banner advertising "get online payments set up", and now it can't be dismissed. Now there's also a 2-line item in the menu advertising Xero's SMS service - another paid thing that we can't remove even if we have no intention of ever using it. I could go on and on about the abuses, but i'm sure you get the point. Pros Previous to the "new invoicing" interface, the user interface and UX was excellent. Value for money used to be excellent, but then the company floated and started pulling shady moves like removing the expenses module and replacing it with a paid version that had less features and a worse UI. Customer support for fixing things that Xero \*can\* do is pretty good, support for fixing things like bugs, intentionally broken features, and nags/advertising is very very poor. Cons The downhill trajectory of the UI and UX. Every change to the UI brings a couple of good things, and a bag of dicks. Changes used to be for the benefit of the user (you know, the one who is actually paying for the product). Now its for the benefit of the shareholders, and most times makes the UX much worse. Advertising plastered on the UI making the book keeper's job harder than it could be. Features that just don't work when they used to work fine (auto assigning the next ID on an imported invoice is a classic example of something that used to work and now doesn't, and has been promised to be fixed but here we are, 6 years later, and it still hasn't been given any developer time and probably wont.) Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing Xero At the time, Xero were the only web based system that showed that they understood the power of great UX, great UI, smart automation (especially smart reconciliation). Switched from [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) MYOB had UI issues which they had no intention of fixing (eg reports that were only correct if you ran them twice - how is this acceptable?) and at that stage they were not moving to the web with any speed, so the writing was on the wall Review Source 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 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 ARM Abdul Rehman M. Director Health, Wellness and Fitness Used the software for: 6-12 months ### "So easy to use but a little outdated looks wise" May 5, 2026 5.0 I've been using Xero for six months now and won't be switching at all. The product JUST WORKS and is ideal for UK usage. It has all the correct VAT accounts by default and almost every British accountant has used it so they find it extremely easy to work with for producing business accounts and filing VAT returns. Pros How it just works without any training. I am not an accountant whatsoever, I'm just a software developer actually but it was SO EASY to get familiar with Xero. My accountants were impressed at how perfect my books were on it. They were able to produce my UK VAT returns within minutes. Cons The UI is very outdated. It looks pretty bad. I use a Chrome extension to make it dark for night time usage. It does feel clunky sometimes going back between pages and seeing old information. Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) Reason for choosing Xero Xero was used by most of my suppliers and I wanted to try it out myself first Review Source Craig H. General Manager Dairy Used the software for: 1-2 years ### "Great for Businesses of All Sizes" November 3, 2025 5.0 Xero is very easy to use and adaptable for all types of businesses. It provides quick access to favorites and allows dashboards to be customised for each user. Overall, I’m very happy with the system. Pros Xero is easy to use and has an intuitive interface, which made navigating the platform straightforward. I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments on track. Cons Some advanced features take a bit of time to learn, and certain integrations may have extra costs. Overall, these are minor trade-offs given how efficient the platform is. Switched from [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) It has seamless integrations with other programs we use and very easy to use 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 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 jN julie N. comptable Construction Used the software for: 1-2 years ### "Bon outil cloud mais pas sans complexité" May 8, 2026 4.0 Xero est une solution comptable en ligne efficace et moderne, particulièrement adaptée aux petites et moyennes entreprises. Son interface intuitive et ses nombreuses automatisations facilitent la gestion quotidienne de la comptabilité. Cependant, certaines fonctionnalités demandent un temps d’adaptation et le coût peut augmenter rapidement selon les besoins. Globalement, c’est un outil fiable et performant pour centraliser la gestion financière. Pros Interface moderne et facile à utiliser Bonne automatisation de la comptabilité Accès en ligne pratique (cloud) depuis n’importe où Intégrations nombreuses avec d’autres outils Bon suivi des factures et des dépenses Cons Coût relativement élevé selon les fonctionnalités choisies Courbe d’apprentissage pour les nouveaux utilisateurs Peut être un peu lent avec de gros volumes de données Support client parfois difficile à joindre ou peu réactif Certaines fonctionnalités avancées peuvent être complexes à configurer 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 VR Verified Reviewer Accounting Accounting Used the software for: Less than 6 months ### "Simple and Efficient Financial Management with Xero" December 26, 2025 5.0 My overall experience with Xero has been very positive. It’s intuitive, reliable, and makes managing finances much easier. From tracking expenses to generating reports, it helps me stay organized and save time Pros What I like most about Xero is how easy it makes managing finances. It simplifies tasks like invoicing, tracking expenses, and generating reports, which saves time and helps me stay on top of everything Cons Honestly, there’s not much I dislike about Xero. It’s straightforward to use and meets my needs for managing finances effectively Review Source AP Alexis P. Office Manager Construction Used the software for: 1-2 years ### "Good Product" May 8, 2026 5.0 Very Good. Always helpful. Easy to Use. Glad we use Xero compared to other software options. Payroll user friendly Pros Easy to use Easy to reconcile Easy to connect to HMRC & to do VAT returns. Good Customer Support Good mobile access Cons Quotes dont turn into invoices easily. invoices would be better if they could show us the whole job price and knock percentages off as we raise different percentages on each job. Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Heard good things about Xero, price was good too. 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 Xero 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, Xero 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 LJ Lyn J. Senior Manager Construction Used the software for: 1-2 years ### "Xero - Accounting tool" April 11, 2026 5.0 My overall experience with Xero has been very positive being easy to manage business incomes and expenses. Pros Xero is a very beginner friendly accounting tool, it is easy to manage bank accounts with linked reconciliations. The software is easy to navigate and easy to maintain day to day business. Cons The issue I have with Xero is posting manual adjustments can become difficult as they have locked nominal accounts. Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Price point was cheaper with Xero. Easier to use. 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 ## 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.