# Page 4 | Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 4 - 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 4 - Reviews of Xero ## Showing most helpful reviews Showing 76-100 of 3290 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use RB Richard B. Managing Director Information Technology and Services Used the software for: 2+ years ### "Excellent small business accounting software" July 20, 2025 4.0 We've used Xero for at least 15 years and use it extensively. It covers pretty much everything we need from a finance perspective. Pros Simple, easy-to-use software for quotes, invoices, bank account reconciliation, expenses, budgeting and reporting, VAT returns & payroll. Represents reasonably good value for money for us. Support team is excellent. Cons Missing core functionality e.g. notifications when other users have submitted something for approval. iOS app is rather limited. Switched from [Microsoft Word](https://www.capterra.com/p/227146/Microsoft-Word/)[Microsoft Excel](https://www.capterra.com/p/176574/Excel/) We needed something that was much more organised than our previous home-baked solution! Review Source NN Nicole N. Accounting Assistant Business Supplies and Equipment Used the software for: 1-2 years ### "The more time with the program the more we understand. " June 30, 2025 4.0 I have had my ups and downs with the program but we have finally gotten to a place that it works smoothly for what we need as a business. I would recommend your program to others. Pros The statements and repeating invoices are a breeze with the way they are set up versus our old way of creating statements through Google. Cons The number of additional applications needed to achieve the full experience our company requires. We are not an E commerce business. A lot of the applications do not help our business. Some are just too expensive to add on as an additional application. Review Source KL Kyle L. President Capital Markets Used the software for: 2+ years ### "Good to get started, but heavy YoY price increases" June 9, 2025 4.0 I like Xero's platform and usability of it all. It's simple. The platform itself is built with a bit of an archaic feel which is a downside but for accounting? Who cares.. Pros I liked the simplicity of it and how it was easy to use. It was a great program to get started with. Cons I didn't like the lack of support. They have gotten better with support over the years, but there is no number to call or schedule an appointment with. Also, their prices keep increasing substantially and they don't care if you've been there for many years they will still increase it on you which is why I left. Alternatives considered [Wave](https://www.capterra.com/p/178021/Wave-Apps/) Reason for choosing Xero It had the ability to do what I needed it to with currencies and account connections. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Because they had some feature that helped with currencies and it worked better than QB at the time. Review Source KP Kelly P. Manager Non-Profit Organization Management Used the software for: 1-2 years ### "Good accounting system" May 10, 2026 4.0 good, not had any major problems. Help area can be a little robotic at times but like the user videos Pros Easiness. Transferred from SAGE and it was pretty simple. Help isn’t as good as sage but lots in the help sextion Cons Cannot connect to CAF Bank which makes being a charity very difficult when doing the banking element Switched from [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) ease of use overall. Sage was inherited. Review Source HM Hugh M. General Manager Retail Used the software for: 2+ years ### "Decent software but areas to improve" August 20, 2025 4.0 Have used it across several businesses so am comfortable with using the software however it would not be my first choice if I was the decision maker Pros All other software has been developed to integrate with Xero and goot tech support when things go wrong Cons Can be very slow to load when looking across accounts, additionally some (what I would consider) basic reporting capability does not exist without significant data manipulation Review Source JA Jasmine A. Finance Director Hospitality Used the software for: 2+ years ### "Xero Review" October 15, 2025 5.0 Pros Xero is such a great accounting software for small businesses. It is extremely cheap as well as being fast and easy to set up. It is really made for non-financial people, so the whole thing is really user friendly. They also have a great online help forum with articles covering how to do most things. Cons It is not great for multi-company businesses as you cannot be logged into more than 1 at once, you have to chop and change between them and to make intercompany transactions, you need to post separately in both entities. Review Source MA Mahima A. Assistant tram leader Outsourcing/Offshoring Used the software for: 6-12 months ### "Xero: makes accounting easy" February 24, 2026 4.0 It is good accounting software that helps to minimise the consumption of time. The payroll and inventory are basic, customization is limited. Its a cloud based software so multiple users can yse at a same time. Its dashboard shows cash flow clearly and manage the finance operations Pros Xero is easy to use and seamless integration.mutilple users can use at a time. It is user friendly. It covers bank feeds update reconciliation reporting save roles and travking time management Cons It is very expensive. It cannot be use in mobile. It doesnot have a frature for payroll. Sometimes it has some performance issue. Switched from [NetSuite](https://www.capterra.com/p/135757/NetSuite/) It was expensive than xero.it is way to use. It support can quickly inplement the user needs. Xero can connect multiple apps in affordable ways Review Source JH Jenna H. Business Manager Medical Practice Used the software for: 2+ years ### "Xero is a one stop shop! " June 16, 2025 5.0 We are very happy with Xero, it offers us everything that we need for a small business. It is very visual and intuitve and constantly being updated with new and better features. Pros The product is easy to use, it has all functions needed to operate a small business, they are continuously updating features and have a dedicated helpline that you can contact if you need any assistance. Cons We have not experienced any issues with Xero but the response time for more complex issues could be better through the support channels Alternatives considered [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) Reason for choosing Xero Xero was a better fit for what we needed for our business and was more cost effective. Review Source JB John B. Treasurer Civic & Social Organization Used the software for: 2+ years ### "Solid accounting software for small businesses and nonprofits." July 16, 2025 5.0 Xero was easy to configure and put into use for a very small nonprofit without a trained accountant on the staff. Pros Well designed user interface, automatic account synchronization with most major banks, easy to use reports with significant customization options. Cons Budgeting tools are not the most full-featured. For example, Xero can not suggest an annual budget based on prior year spending. Review Source VR Verified Reviewer Engineer Accounting Used the software for: 1-2 years ### "Simple and clear accounting" January 9, 2026 4.0 It is a reliable tool that keeps my cash flow organized. The mobile app is great for checking my financial numbers while I am on the go. Pros Bank reconciliation is fast and saves tons of time. It makes collaborating with my accountant very easy and transparent every single month. Cons The basic plan limits how many invoices you can send. Also, not having a direct phone line for customer support can be quite frustrating. Review Source CQ Capree Q. Cleaner Consumer Services Used the software for: 1-2 years ### "Your businesses best friend!!" June 13, 2025 4.0 Overall - I swapped to Xero from MYOB and I’ll never go elsewhere. It does everything I need it to in the one spot, and it really is seamless. Pros I love how user friendly Xero is! It’s so easy to get the hang of and super simple. The help forum is also amazing and every time I’ve been stuck, I’ve had my issues resolved so fast. Cons My only fault with Xero is the back end looking super outdated. I feel it needs an upgrade so things look more accessible. I mainly refer to the invoicing settings here. Custom invoice templates and colours etc would be a great addition. Switched from [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) My accountant recommended Xero to me as it’s much easier to use! Review Source NH Nina H. Hr Manager Retail Used the software for: 2+ years ### "Good payroll software" March 12, 2026 5.0 I am very happy with Xero, it is simple to use and very user friendly. The dashboard is very intuitive and I have never have any issues. Pros I use it from a payroll perspective but I know it has lost of other functionality. It is very easy to use from adding employee data to running reports. Cons I think the holiday tool could be better. It isn't easy to calculate holiday in the same way as HR software. Review Source PA Peter A. Director of Finance Retail Used the software for: 2+ years ### "Great for small business" October 9, 2025 5.0 Overall great experience. The reports are easy to pull and are set up in a way that is easy to read. Pros The software is very easy to use. The product is also a great value for money. It’s a great product for small business and people who are not well versed in accounting. Cons The customer support isn’t great. The support is all through email. You can’t call someone to speak to if you have a problem. Review Source FK Francis K. CEO And Chief Brand Strategist Professional Training & Coaching Used the software for: 2+ years ### "Managing My Business Smoothly With Xero's Amazing Software " March 8, 2025 5.0 Xero makes tasks easy for me. It has made accounting solutions for me simple. Pros Xero's integrations without dashboard are easy and it has a User-friendly interface. The dashboard links to my daily tasks easily. Xero is a reliable accounting solution. Cons I haven't had any problems with Xero at all. Review Source VR Verified Reviewer Group Financial Controller Information Technology and Services Used the software for: 2+ years ### "Great Value and Easy to Use" November 17, 2025 4.0 Overall, Xero is easy to use, efficient, and works very well for managing multiple entities. Aside from the BAS limitation, it’s been a reliable and user-friendly system Pros Excellent value for money. It integrates smoothly across multiple companies, which makes financial controlling much easier. It’s very intuitive, and giving access to tax agents is simple, which makes collaboration straightforward. Cons You can’t amend BAS retrospectively. When adjustments are made in the ATO portal, they often can’t be replicated in Xero, so workarounds are needed. Review Source JF Joe F. Associate Professor of Law Higher Education Used the software for: 2+ years ### "Xero is a trailblazer tool for accounting and budgeting." February 19, 2025 5.0 Xero makes accounting looks so easy. We have had a very enjoyable experience working on our finances and all financial operations with Xero. It has helped us to budget more accurately and to easily monitor our cash flow. With Xero budgeting and expenses tracking tools, it has been easy to properly utilize and manage our financial resources. Pros Xero budgeting functions makes easy to allocate and control our financial resources for our projects. It offers detailed financial reports that help us monitor how our finances are being utilized. Xero powerful analytics provide precise financial insights that allow us to measure our business financial health. It also has compact security tools that ensure complete safety of all of our financial data. Cons We have seen nothing bad with Xero. It works so perfectly and has had no downsides. Review Source AD Anthony D. Managing Director Construction Used the software for: 2+ years ### "XERO is great" February 27, 2025 5.0 Absolutely fabulous, a great product with excellent integration. Pros Time saving with great tools to enable cash flow management Cons You are not able to complete part invoicing of quotes to see a balance from the original cost. Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) My booker used out and was retiring so looked for a new solution that would remove the need for a book keeper. Review Source BN Bill N. Senior Financial Accountant Accounting Used the software for: 1-2 years ### "Xero review " April 19, 2026 4.0 Xero makes it easy to connect bank feeds and payment gateways, with smart auto-matching that simplifies reconciliations. Its wide range of integrations also allowed us to build a connected, scalable finance system with minimal effort. Pros \- Automation of finance tasks: Easy to set up Bank feeds; Easy to send out invoices; Easy to complete reconciliations such as stripe/other payment gateways using automated matching software which frees up a lot of time. Cons \- 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. Review Source Junaid E. IT Partner Food & Beverages Used the software for: 6-12 months ### "User Friendly Accounting " September 13, 2025 4.0 Overall, Xero is a strong accounting solution that streamlines bookkeeping and invoicing. it is great for small busniess that want flexibility and automation. Pros Xero has a great interface that makes accounting tasks easier even for non accountants. It is cloud based so you can access your financial data from anywhere and it integrates well with banks. Automatic bank feeds, invoicing and reconciliation saves a lot of time. Cons Some advanced features require add ons which can increase cost. Customer support, while helful, can be slow to respond during peak times. I also found pricing may also be on the higher side for small business with very basic needs. Review Source Rhys B. Senior Product Manager Biotechnology Used the software for: 1-2 years ### "Still a pretty good accounting software for small to medium companies!" April 8, 2026 4.0 For our business, Xero works well. It's relatively easy to use, but perhaps lacks some features which could make life a bit easier. Pros Xero is a pretty good invoicing/accounting platform which integrates well into our business. I like the email templates and ability to send quotes/invoices with custom messages, feels personal but is simple to set up. Works well for the amount of invoices we handle (200 a year ish). Cons There are certain little things which I have found a little difficult. For example, I can't just paste an address in and it auto-fill the City/Street/Zip code, you have to individual paste in each field. Also, once you have send and invoice, you can't then add automatic email reminders. I also thing the overdue invoice page UI could be improved to help our finance department be a bit more organise, e.g. AI features could work well here (flag invoices which are unlikely to be paid based on past experience or due dates). Switched from [FreeAgent](https://www.capterra.com/p/122008/FreeAgent/) So that the company could improve financial planning. Review Source JP Joy P. Office Manager Events Services Used the software for: 2+ years ### "Makes life easier with Xero" February 28, 2025 4.0 Overall it's a great and easy to use, intuitive system. Very user friendly. Love how it learns and makes suggestions Pros Simplicity of design, clean and clear pages Cons Constant updates and changes. New versions which aren't as user friendly Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Xero Price and features worked better for our needs Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Xero is much cleaner and easier to use for our needs Review Source VR Verified Reviewer coordinator Entertainment Used the software for: Less than 6 months ### "Xero is great for invoices" July 23, 2025 5.0 inefficient customer service can sometimes slow work down but otherwise, the system itself runs well and give more value for time in automating data much of the data entry Pros Xero is easy to nagivate, especially for those being newly trained. Very efficient when reconcilling finances and processing invoices. Cons Some features are essential across the board but the tierd system for features and pricing can be limiting Review Source AD Adrian D. COO Wholesale Used the software for: 2+ years ### "Good Support but please add in feature" May 25, 2025 5.0 Pros Great support and always consistent in terms of working state and functionality. We love the payments integration and also bank feed recilations Cons We have a feature we requested years ago, suggested by my brother \[sensitive content hidden\] . We already have a product idea forum created and have several other xero user backing us. Switched from [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) 2017 Review Source JL John L. Senior Accountant Accounting Used the software for: 2+ years ### "My preferred accounting software, good but not perfect " February 2, 2025 5.0 Very good. It is my preferred accounting software. Pros Built on a good bank feed as a solid foundation, makes the information reliable. Functionality is reasonable, not amazing, but reasonable is perfectly fine. It has a good balance of usability and functionality. Cons Recent price hikes are difficult to swallow, particularly if payroll is a requirement. Xero used to have a payroll only option for about $15 per month; their 2 person payroll plan is now $90 per month, and will presumably rise again next year. There are other quirks too that could easily be fixed by inexplicably aren't. They're not as responsive to these quality of life changes as they were initially, presumably the big company "not my job" inertia problem. 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 Ease of use and reliability are the key factors, but also some familiarity bias (ie I know Xero well) Review Source GL Gus L. CFO and Principal Engineer Research Used the software for: 6-12 months ### "QB Desktop replacement" June 11, 2025 3.0 Reasonable QB desktop replacement Projects require highest pricing Expense itemization rolls into one expense and not separate, as in airfare, seats, etc. Pros Nice web interface, dashboard tunable Easy to find entries and make bulk adjustments Easy reconcile and bank feeds Cons No way to use Labels Limited tracking categories Not integrated with invoicing systems like ipp.gov No way to generate travel expense report using labels Alternatives considered [NetSuite](https://www.capterra.com/p/135757/NetSuite/) Reason for choosing Xero Less expensive than cheapest Netsuite offering Switched from [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) QB Online is useless, Intuit customer support was terrible, and costs were ridiculous. 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.