# Page 3 | Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 3 - 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 3 - Reviews of Xero ## Showing most helpful reviews Showing 51-75 of 3290 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Joseph A. Accounts manager Building Materials Used the software for: 1-2 years ### "Efficient and User-Friendly Cloud Accounting Solutio" August 20, 2025 5.0 Pros User-friendly interface – very intuitive design makes it easy to navigate and reduces training time. •Cloud-based accessibility – being able to log in anytime, anywhere, and collaborate with clients in real time is extremely valuable. •Automation – features like bank feeds, rules, and automatic reconciliations save a lot of manual work. •Integration – strong ecosystem with add-ons (payroll, projects, reporting tools, etc.) that connect seamlessly. •Real-time reporting – up-to-date financial information helps with decision-making and client advisory. •Collaboration – multiple users (including accountants, bookkeepers, and business owners) can work simultaneously. Cons •Reporting limitations – the standard reports are good, but sometimes lack depth or customization compared to larger ERP systems. •Payroll complexity (AU/NZ regions) – payroll setup and compliance updates can be a bit tricky to manage. •Large transaction volume performance – with very high data volumes, it can feel slower compared to desktop software. Review Source SH Sam H. Audit Assistant Manager Accounting Used the software for: 2+ years ### "Xero Review" February 9, 2026 5.0 Overall, my experience with has been very positive. Despite the occasional reconciliation challenge, it’s still my preferred accounting system for smaller clients. It’s reliable, user-friendly, and makes managing accounts much more straightforward than many alternatives. Pros is very easy to use, especially for smaller clients. The interface is clean, it doesn’t feel overwhelming, and most day-to-day tasks can be done quickly. Bank feeds, reporting, and general navigation are all strong, which makes it a preferable to work with compared to other accounting systems. Cons Bank reconciliation can occasionally be tricky if a client has already posted transactions. In those situations, it’s sometimes hard to find a clear audit trail or quickly understand what’s been done, which can slow things down. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Knowledge and experience of other accounting systems. 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 . 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 is less expensive and easier to use than other products. 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 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 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 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 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 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 Karen G. Administration manager Information Technology and Services Used the software for: 1-2 years ### "Xero is the accounting go to" July 30, 2025 5.0 This is my go to for all my accounting, both in business and personal. It makes budgeting a breeze. Pros is so easy to use, one of the better and more flexible accounting programs. The links to accounts, hub docs, and tax make this a go to for any accounting use Cons is user friendly, so no real cons of note. I honestly have yet to find a fault or anything negative. Review Source 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 AC Andrew C. Proprietor Building Materials Used the software for: 2+ years ### "Zero for Xero" September 25, 2025 1.0 Like I wanted to smash something. Very frustrating when you then have to waste so much time to get the non existent phone support. The bots are useless Pros Invoicing is terrible… the repeat reminders become permanent. Their upgrades are time wasters. Their phone support is non existent. Their quote to invoice details are always incomplete. You have to rewrite details from quotes to invoices. It’s not easy to navigate. Quickbooks was way better.. I would go back but they have incentivised them so I can’t use quickbooks. Cons Most things. The quote to invoice was not complete. Difficult to delete invoices. The reminder invoices become permanent with new invoice numbers. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) My accountant must have a deal going with as I had to purchase Xero through them when I changed to them 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 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 BW Bevan W. Sales, Accounts Construction Used the software for: 1-2 years ### "Reliable and easy to use" May 22, 2025 4.0 does what we need it to do. It is reliable, easy to use, and is one program we don't have to worry about having issues with. Pros is a great piece of kit, we use it for payroll general accounting and tracking and paying bills, it also is integrated with our retail and inventory system. One of the best things about Xero is how much software will connect/integrate to it. Cons 's default inventory component is not really usable for a business with stock, inbound and outbound inventory. If that is part of your use case I would recommend finding another piece of software to integrate with xero. Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero We talked to others in our industry and our accountant and was generally recommended as the best for our use case. 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 has been a breeze since even with little accounting experience, I am able to create, customize and send emails. Pros offers automation tools that help save time and reduce financial errors when carrying out invoicing and billing tasks. Cons Since I implemented , I have never faced any bug and features were straightforward to customize without seeking support. Review Source SG Stephen G. IT Manager Utilities Used the software for: 6-12 months ### "Solid Product" January 2, 2026 4.0 I’ve had a pretty solid experience with . It keeps everything organized, and honestly, handling invoices or reconciling accounts feels way less stressful now. Setting it up takes a bit, but after that, it just does its thing exactly what I want from accounting software. Its not flawless and sometimes gets on my nerves, but I count on it to handle the money side of things right. Pros is easy it is to use day to day. The layout is straightforward, so I’m not wasting time trying to figure out where things are, and I can quickly see how the business is doing financially. Bank feeds and automatic transaction matching are a big time-saver and cut down on manual work. I also like that it’s in the cloud which makes it simple to check accounts on the go and share access with my accountant without any hassle. Cons What I like least about is that it can feel a bit pricey once you’re actually using it, especially if you require the extra apps. Some of the features just aren’t as flexible as you’d want, which can be frustrating when you’re trying to get a simple answer from a report. Bank feeds usually work fine, but when they stop syncing it’s a hassle to fix. Review Source VR Verified Reviewer Managing Director Information Technology and Services Used the software for: 2+ years ### "Xero intention of changing " May 6, 2025 5.0 Compared to our previous product, has offered exceptional value and a considerable reduction in time spent on tasks. Its ability to efficiently manage a £3 million turnover and 600-800 monthly sales transactions has truly exceeded my expectations. Pros has saved me a lot of time due to automated postings, intelligent bank rec and bank feeds. Cons The permissions are not granular enough to control users in the way that I would like. Alternatives considered [Opera 3](https://www.capterra.com/p/162632/Opera-3/) Reason for choosing Xero Opera was similar to Access Dimensions, old fashioned and not properly cloud. Review Source VR Verified Reviewer Associate operations manager Hospital & Health Care Used the software for: 1-2 years ### "Great little tool " August 6, 2025 5.0 Great - have been using it for over a year and it’s really user friendly - and you don’t require much training to get an understanding of it Pros I like that you can do a lot with one platform. We use for our payment, expenses and invoicing and it’s fantastic at what it does - very easy to use. Cons Not much I can think of. Maybe when approving expenses it would be good if you could select all for easier approval - or if it could provide reporting on pay and expenses that would also be good. Alternatives considered [HiBob](https://www.capterra.com/p/156106/Hibob/) Reason for choosing Xero Better value for money, more specialised in what it does Review Source Richey J. General Manager Education Management Used the software for: 1-2 years ### "Generally Great But Still Slightly Pricey" August 24, 2025 4.0 Generally really good but maybe needs more flexibility on some payroll features. Just being able to click and submit on rti submissions is great. Invoices and accounts generally decent. Pros Easy to use, well set out and organised, payroll is mostly smooth, invoicing and payment processing is straightforward and easy. Cons Some aspects of payroll aren't equipped for specialist HR requirements. Movement between members of staff in the payroll list can be confusing as it removes them from the list when clicked on the staff member. End of Year requirements are persistent even when all completed. Can be quite expensive compared to other software products. But you need to remember it is taking a lot of left work out of the usual admin which is still a saving. Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Just looking for something different I hadn't used before. Review Source PH Paul H. Owner Mechanical or Industrial Engineering Used the software for: 1-2 years ### "Limited capability" June 25, 2025 2.0 I really like it however not being able to manage sales orders is a huge issue for my business. You would think this would be a simple fix that would significantly increase the penetration of the product as its the way forward. Pros Good for small businesses. Simple to use any can be used on any device. Modern interface and great reporting. Just wish it could do a little more. Cons However, if you have to manage sales orders you need additional software as you can only raise quotes then invoices. This then creates a whole load of integration issues. The support is not there with either the other supplier who blames or Xero who blame the 3rd party supplier. A minefield. Alternatives considered [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reason for choosing Xero Preferred and the way it looked and felt while using Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) We cannot use sage remotely and must have it on our server. Old and clunky Review Source CR Charly R. Operations Manager Food & Beverages Used the software for: 2+ years ### "Xero , or how to simplify your accounting" May 3, 2026 5.0 Overall it has been great , I have tried MYOB before but is way more user friendly , fast , cheap and convenient Pros The conveniency and the user friendly part , I do use since 3 years now over 2 businesses , simple to learn and so much time saved Cons to be honest , everything is pretty great when using , I couldn't fault anything for now beside of the website being off once in a while Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) Reason for choosing Xero is more user friendly that MYOB , the switch was great Review Source VR Verified Reviewer Service admin Automotive Used the software for: 6-12 months ### "Overall a good choice " October 27, 2025 4.0 Overall good I would use again simply because now I know the software and it is used in lots of businesses Pros I liked the help provided and the features The reporting is good as long as you are taught properly now to use it. Integration with apps and me was good Cons The randomly changing dashboard gave me issues for a while. Not as user friendly as it could be and not easy to self navigate Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) Reason for choosing Xero The company's wife had experience with already Review Source JP John P. Transport Broker Transportation/Trucking/Railroad Used the software for: 2+ years ### "Transport operations financial management." January 9, 2026 4.0 All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier. It will be a lot less stressful at the end of the month reporting, however, I would like the support team to be more attentive in case of technical glitches. Pros The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow. Cons Customer support is not easy to contact in case there are problems. Bank feed links are sometimes broken automatically. Review Source CB Chris B. Owner Construction Used the software for: Less than 6 months ### "Try other offerings first" November 2, 2025 1.0 Not sure which demographic will be lazy enough to not do books the old way, but also not tech savvy enough to make a small stack solution, which would be more seamless than this. 21 days no credit card payments and bank has no answers, we even did a test with the banks credit card payment system so we switched Support keeps them self 3 arms lengths away and takes long to respond Pros The color of the logo is pleasing, the font on the website is very readable, design schemes show that this company paid visual design artist. Cons Value for money is not there there are free apps, that anyone who is organized at a 4 on a scale of 1-10 can use. The app is lacking, the 2fa app also even more lacking( read about this in other reviews) Worse offering for taking credit card payments Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Seemed cheaper but will be switching bank to quickbooks or a freee offering Review Source TS Tom S. Director Information Technology and Services Used the software for: 1-2 years ### "Good choice for business start-ups" July 16, 2025 4.0 Reliable, with a good suite of features. Being able to manage payroll, invoices, banking feeds and tax from one platform is nice. Pros Transactions automatically import from the bank, and invoices are customisable to include your company logo and layout preferences Cons Price - the basic plan only has the core features (such as invoicing and banking). If you want any advanced features (such as automation), you have to pay more Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) Reason for choosing Xero Sage was even more expensive than - and seemed a lot more difficult to use and set up. Review Source Samuel L. Mortgage Loan Officer Banking Used the software for: 2+ years ### "A game changer for financial operations management. Makes financial visibility and optimization of business performance very efficient" April 2, 2025 5.0 has powerful financial management features that has enabled us to have a simple and streamlined experience managing loans and mortgages, making it easy to handle our financial data accurately and efficiently. It has helped us avoid discrepancies in financial reports and tax returns by correctly recording and categorizing all our transactions including repayments and interest. Xero upscales and enable us to keep up with fluctuating mortgage rates and housing prices. It provided us with realtime updates of our financial aspects which help inform our clients and accurately process all their transactions. Pros provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for detailed tracking of payments, interest and principal amounts.This helps us to accurately manage high volumes of loan transactions and correctly recording all financial data for tax and reporting purposes.Additionally, Xero automatically pull transaction from banks and credit card which allows for easy reconciliation of bank statements and loan transactions that accurately match bank records. This saves us time and reduce the need for manual data entry. Xero also supports management of business credit cards and PayPal accounts, which facilitates smoother financial operations. Xero's cloud based nature is a plus. It enable us to access our financial data and clients debt reports from anywhere Cons has been dedicated in solving our needs. We have not seen any aspect about Xero that we don't like Review Source DM Daniel M. Owner Retail Used the software for: 1-2 years ### "Xero Software review" June 1, 2025 5.0 My overall experience with has been very positive. The platform is intuitive, clean, and easy to use, especially for day-to-day tasks like invoicing, reconciling bank transactions, and managing expenses. I appreciated the cloud-based access, which made it easy to collaborate with my accountant and manage finances from anywhere. The automated bank feeds and reconciliation tools saved me a lot of time, and I liked how seamlessly it integrates with other tools like Stripe and Gusto. The mobile app is also very handy for on-the-go tasks. However, there were a few frustrations — customer support can be slow at times, and some advanced features (like reporting or multi-currency) aren't as robust or easy to customize as I’d like. Also, the learning curve can be a bit steep when diving into more complex accounting features. Overall, Xero is a solid choice for small to medium businesses looking for a scalable, cloud-based accounting solution. Pros Ease of use and set up, great integration with other platforms. records GST for BAS, easy to generate invoices. Cons Becomes expensive, lack of customer support. would be great if they could listen and add features as required. Review Source GH Grady H. Office Manager Machinery Used the software for: 2+ years ### "Great value for money " September 24, 2025 4.0 Great piece of software, with a variety of initiative features at a very fair price. Having tools like hubris included makes invoice processing a breeze. Pros Easy to use, good value for money, and integrates well with other platforms to make it a really powerful tool Cons support has to be given by messages which is fine, but always nice to have a agent to talk to for complex issues. Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Outgrown the archaic ways of sage 50, required a solution we could share easily with our accountants that was backed up securely Review Source EW Emma W. Assistant Manager Hospitality Used the software for: 6-12 months ### "Xero Review " November 10, 2025 5.0 Great, I think the product is powerful and easy to use accounting software, good for bookkeepers and accountants. Pros Easy to use, fresh and dynamic cloud based platform with online support. Data and app integration with other platforms via API is easy. Cons The supplier sections and Pay Bills is not as clean as MYOB, however there is room for improvement from developers. Switched from [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) Changed accountancy firms, and they use 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.