--- title: "Page 3 | Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Page 3 - Is Xero the right Accounting solution for you? Explore 3341 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=3" page_type: "reviews" language: "en" publication_date: "2026-10-19" --- Xero 4.4 (3339) 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 # Page 3 - Reviews of Xero ## Showing most helpful reviews Showing 51-75 of 3339 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Joey C. Accounting Manager Used the software for: 3-5 years ### "Best accounting system" July 11, 2026 4.0 I've used other accounting systems in the past and feel that Xero is superior. Reporting is easy to use and overall have a good experience with this. Pros Xero is very user friendly. The scan invoices feature which auto populates the bill makes it very efficient. Cons Lack of customer support. When there is an issue we don't have a designated account manager to assist. Review Source Business Support Manager Used the software for: 3-5 years ### "Xero - user-friendly and intuitive" March 24, 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 Accountant Used the software for: Less than 1 year ### "Good product " March 26, 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 Owner Used the software for: 3-5 years ### "Great integrations and automations" March 20, 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 Amanda F. Licensed Real Estate Broker Used the software for: 3-5 years ### "Xero in Real-Estate Accounting Processes" December 22, 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 ARM Abdul Rehman M. Director Used the software for: Less than 1 year ### "So easy to use but a little outdated looks wise" May 7, 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/) Reasons for choosing Xero Xero was used by most of my suppliers and I wanted to try it out myself first Review Source Owner Used the software for: 3-5 years ### "Xero is ok" January 20, 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](https://www.capterra.com/p/183867/MYOB-Business/)[Reckon One](https://www.capterra.com/p/154538/Reckon-One/) Reasons for choosing Xero The advice I received from accountants was biased, as they had no genuine knowledge of alternative products. Review Source Managing director Used the software for: Less than 1 year ### "Xero is complex" April 6, 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 Emma B. Financial Controller Used the software for: 3-5 years ### "Excellent one stop accounting software" January 28, 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 GS Girish S. Engineering Lead Used the software for: 3-5 years ### "Smooth Accounting with Xero" September 21, 2026 4.0 My overall experience with Xero has been smooth, simple, and efficient. It makes everyday tasks like bank reconciliation and invoicing quick; the interface is clean, and it keeps everything organised without much effort. It’s been reliable and easy to use. Pros The thing I liked most about Xero is its bank reconciliation. It’s fast, accurate, and saves a huge amount of admin time. The automatic bank feeds and smart matching make daily bookkeeping feel effortless. Cons Sometimes the feeds disconnect or take a long time to update, which slows down reconciliation. It doesn’t happen all the time, but when it does, it’s annoying because it breaks the smooth workflow Xero is known for. Review Source jK julia K. comptable Used the software for: 1-3 years ### "Bon outil cloud mais pas sans complexité" May 13, 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 Software Engineer Used the software for: 3-5 years ### "It may seem silly but I love Xero for the way it works" January 28, 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 Senior Bookkeeper Used the software for: 1-3 years ### "Satisfactory ✨️" April 13, 2026 5.0 Satisfied. I used xero for over teo years in a Hospitality business, managing over 20 instances of Xero. Never faced any issues. Pros It is easy yo use, easy to set up and provides very good user training. Provides room for customisation as well. Cons Nothing really. I find it user-friendly. Sighthly difficult to use for multi-entity kind of business. Review Source Office Manager Used the software for: 1-3 years ### "Good Product" May 12, 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 Managing Partner Used the software for: 3-5 years ### "Switched our whole client book over, no regrets." October 20, 2026 5.0 We ran our practice on desktop software for eleven years before finally moving over. My staff picked the new system up in just a week, that really matters when you’ve only got four people and tax season doesn't wait for anyone. The support team actually sounds like humans who’ve looked at a general ledger before. For any small accounting firm handling client books, I’d recommend it without much hedging. Pros Bank feeds reconcile clean, which is a lifesaver. I used to burn two evenings a month just chasing down coding errors on client files, now, it takes maybe an hour. It’s nice to get those evenings back. The dashboard tells me which clients haven’t paid before I even open my email. Cons Report customization takes longer than it should. When I'm building a management pack for a client with three revenue streams, I'm basically fighting the layout editor the whole time, it’s just a chore. It’s minor, though, once a template is saved, I can just reuse it. I did have a bank feed drop silently last March. Review Source Manager and CPA Used the software for: 1-3 years ### "Simple and easy to use" May 21, 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 Xero 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 Xero 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 Adrien J. CEO Used the software for: 3-5 years ### "Bank feed not working as advertised" March 11, 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 Consultant Used the software for: 3-5 years ### "Xero - Used to be the best accounting package in the world." October 13, 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.) Switched from [MYOB](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 Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reasons 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). Review Source Senior Manager Used the software for: 1-3 years ### "Xero - Accounting tool" April 14, 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 Administration Manager Used the software for: Less than 1 year ### "Easy even for the newbies!" June 4, 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 Auditor Used the software for: 3-5 years ### "Xero - Brilliant and Effective" February 18, 2026 5.0 My overall experience with Xero is very positive with it being very useful for business owners and accountants. With easy to use functions and clear mapping for reports and other accounting information. Pros Xero is a brilliant tool for both experienced accountants and owner manager businesses. Xero is easy to use and very beginner friendly with a wide range of pre-made reports and automated bank reconciliation functions. Additionally the mobile app is an extremely useful tool for business owners. Cons The only issues I have with Xero are minor, this being the format of the reports when exported to excel. Alternatives considered [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Reasons for choosing Xero Easier to implement with clients and more user friendly. Review Source Information consultant Used the software for: Less than 1 year ### "Efficient Cloud Accounting That Keeps Daily Bookkeeping and Bank Reconciliation Effortless"" August 31, 2026 5.0 Our financial procedure has been greatly improved using Xero. Our monthly closing time was nearly halved by switching to cloud accounting, which also eliminated the need for manual spreadsheet tracking. Instead of hurrying around tax time, we can classify spending on a daily basis by connecting bank feeds directly into Xero. Our cash flow has also significantly improved because to the platform's capacity to issue invoices instantly and monitor when clients read them. Although there are a few small issues with direct support response times, the platform's dependability and efficiency improvements make it an essential tool for our operations. Pros I really enjoyed the strong third-party integration library—it makes connecting with Stripe, PayPal, and payroll processors seamless. The clean, modern dashboard also provides a clear snapshot of cash flow, unpaid invoices, and upcoming bills at a glance. Cons Customer support is primarily ticket- and email-based, so getting a quick response to urgent, real-time issues can take longer than desired. Recent price-tier increases also make the platform somewhat expensive for micro-businesses that only need basic invoicing features. Review Source Alissa P. AGENT Used the software for: Less than 1 year ### "Simple and Reliable Accounting Made Easy" April 14, 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 DM Used the software for: 3-5 years ### "Simple and Reliable Accounting for Everyday Business" September 21, 2026 5.0 Overall, my experience with Xero has been good. It is easy to use, keeps accounts organised, and makes invoicing, expenses, and day-to-day bookkeeping much easier. Pros I like that Xero is easy to use and makes everyday accounting much simpler. It is helpful for tracking income and expenses, creating invoices, and keeping financial information organised in one place. Cons Some features can take a little time to understand, and the pricing can feel expensive for smaller businesses. Review Source Accountant Used the software for: 1-3 years ### "My experience of using Xero" June 25, 2026 5.0 Xero is Good for both accountant and small business I would recommend to other people. They offer a lot of support if there is any queries Pros Ease of use Excellent customer support Easy invoicing process They have a lot of guidance material ready for use Cons They increase prices so often and they sometimes do not offer discounts when you have multiple companies Switched from [Sage Payroll](https://www.capterra.com/p/215768/Sage-Business-Cloud-Payroll/) The software was Not compatible with Bacs payment process 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.