--- title: "Page 5 | Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Page 5 - Is Xero the right Billing and Invoicing solution for you? Explore 3318 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=5" page_type: "reviews" language: "en" --- Xero 4.4 (3318) 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 August 20th, 2026 # Page 5 - Reviews of Xero ## Showing most helpful reviews Showing 101-125 of 3318 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use 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 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 BW Bridget W. Marketing Consultant Marketing and Advertising Used the software for: 2+ years ### "Xero Gives Small Businesses Big Business Tools" April 28, 2025 5.0 I haven't had any negative experiences with Xero. They have a lot of documentation and instructions to find out answers, too. It does everything my CPA wants it to and it's easy for me to stay reconciled on a daily basis. I never panic when tax season comes, I just print reports. Pros I've been using Xero since 2021 when I formed my LLC. I love that it has a proper general ledger with codes, and standard accounting reports like Chart of Accounts, Profit and Loss, etc. It also has a reasonable price point. It's easy to copy previous invoices and send new ones even on the app, too! Even better, you can add a user like your CPA so they can download reports as well. Cons There are some company settings that I have a hard time finding -- like putting in my logo and those kinds of things. I also wish the logo on the invoices could be larger. It's not enough to have me use FreshBooks again. Switched from [FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) I switched from FreshBooks for clean accounting when I set up my LLC and opened a business bank account. I wanted my business bank records clean in a professional accounting program. To be fair, I used to do AR/AP so it matters to me. Review Source Richard B. Managing Director Information Technology and Services Used the software for: 2+ years ### "Used Xero for 15+ years" June 26, 2026 4.0 Although we have mixed feelings about the cost and some features, generally it feels as though it's the best fit for us still. Support is generally excellent too. Pros It's mostly reliable and easy to use, has all the functionality that we need and is fairly customisable. Cons The cost. There have been so many price rises in recent years, yet we haven't seen relevant feature additions to justify it. 2026 price rise for us was 21.5% so we downgraded. Search is also fairly poor, presenting results in a useless order. 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 DM Daniel M. Owner Retail Used the software for: 1-2 years ### "Xero Software review" June 1, 2025 5.0 My overall experience with Xero 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 Lexus K. Cleaner Hospitality Used the software for: I used a free trial ### "Dependable app" August 6, 2026 3.0 Pros I like Xero because it makes keeping track of finances much easier. The dashboard is clean and easy to understand, so I can quickly see invoices, expenses, and account balances in one place. I also like that it's cloud-based, which means I can access my information from anywhere. Overall, it helps keep everything organized without feeling too complicated. Cons One thing I don't like about Xero is that some features can take a bit of time to learn if you're new to accounting software. I also think some reports and settings can be harder to find than they need to be. While it works well overall, it can feel a little overwhelming at first, especially if you only need it for basic bookkeeping tasks. 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 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 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 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 DR Daniel R. Manager Design Used the software for: 1-2 years ### "Good Solod Accounts for small to medium business " April 7, 2025 5.0 Overall very good and subscriptions can be upgraded when required. Pricing is fine as i dont need to emoloy a bookkeeper as i can do most of my own accounts. Its relatively easy if yku have multiple businesses as there are separate profiles for each business and integration is simple for most applications. Pros An intuitive and easy to use interface. The API connects to most banking APIs and has all the necessary features. I can connect to VAT divitally and via HMRC so I am compliant with government regulations. Cons There is little wrong but logging in i have to use my back up email address that is olay but it would be easier if the log in procedure was a little simpler. The advanced accounts reports i dont use so much and the enoloyee/payrol i found a but tricky so some additional training would be required to fulfill some of the more advanced features. Alternatives considered [Sage 100](https://www.capterra.com/p/227232/Sage-100cloud/) Reason for choosing Xero Seemed a more advanced and user friendly system Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) It was the best option when moving from desktop sage. Sage online invoicing seemed a little more complicated Review Source PO Paul O. Software Engineer Computer Software Used the software for: 2+ years ### "An excellent software" June 22, 2026 4.0 An excellent modern solution for small and medium-sized businesses, it is not necessarily sufficient for very complex needs. Pros Xero is pleasant software to use and has a very convenient automatic bank synchronization at a lower cost. Cons Xero is accessible everywhere thanks to the cloud but it is less powerful than some complete ERPs. 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 Xero 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 Xero 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 Xero has been dedicated in solving our needs. We have not seen any aspect about Xero that we don't like 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 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 AP Adam P. Head of procurement Construction Used the software for: 6-12 months ### "Good system" December 8, 2025 5.0 overall XERO is a quick and effective tool for the accountants and people who calculate month end figures and balance sheets. for accounts team who process the invoices if the scanner doesnt read them correctly it can be tricky. Pros the ease of use, it is quick and easy to process invoices and calculate the vat at the end of each month for our accounts. Cons sometimes the OCR reader/scanner doesnt read the entire invoice meaning that you have to manually pick out parts of the invoice and input yourself. 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 MK Michal K. IT engineer Education Management Used the software for: 1-2 years ### "Solid choice for the business" January 17, 2026 5.0 Pros It is very intuitive, ease to use for everyday work. We use it for payroll, invoices, financial reports, tracking expenses. Cons The only disadvantage so far is that sometimes it is hard to find some reports, for example remittance advise Review Source ES Ethan S. Accounts assistant Accounting Used the software for: 2+ years ### "Zero - a great piece of software" July 25, 2025 5.0 Zero has been my favourite software for a long time, because it was easy to use and create reports. It was also easy to resolve mistakes. Pros Zero is a very well designed software which is easy for the customer and accountants with many reports that are easy to use. Cons It can take some time to understand some of the reconciliations as there are multiple ways to receipt and pay invoices when not too simple. 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 FS Faizan S. Payroll Manager Accounting Used the software for: 2+ years ### "Great software and easy to use" August 24, 2025 4.0 Great overall, very easy to use software with various features. Also helps with journals each month and subsequently accounts productions directly from wages control accounts. Pros Payroll processing was very easy to use and efficient. Extremely user friendly and informative every step of the way, ensuring all compliance is covered. Cons It can be somewhat stagnant at times in terms of the lack of colour and user interface. Perhaps an update could be done to combat this. Alternatives considered [Bright](https://www.capterra.com/p/126242/BrightPay/) Reason for choosing Xero The client specifically requested zero as he was also familiar with using this before with a different company. Review Source dM david M. Manger Airlines/Aviation Used the software for: 1-2 years ### "Happy customer" March 24, 2026 5.0 My expeirence has been wonderful the value is definitely there, and im happy with everything they provide. Pros Xero is sweet ive been using for a few months now and am super impressed with Xero would recommend to anyone that asks. Cons Their customer service can be a little faster but for the most part i have no real hard issues that i can think of Review Source RM Ron M. Director of Custom Home Design and Construction Construction Used the software for: 2+ years ### "Easy construction accounting." August 4, 2025 4.0 Xero streamlined financial work time and improved project budgeting with clear, easy-to-understand reports in my pocket. Pros Xero simplifies invoicing and payment tracking, and it's convenient to manage our finances anywhere. Cons Customer service is good but sometimes not that timely, and inventory features can be a bit overwhelming at first. 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 BL Beverley L. Director Leisure, Travel & Tourism Used the software for: 2+ years ### "Mostly easy to use" June 19, 2025 4.0 Mostly easy once certain things have been explained by my bookkeeper but difficult to learn through the online help Pros Intuitive operation and the lay out is very easy to navigate. The payroll system is updated regularly with new legislation Cons Do need some knowledge of book keeping. I have a bookkeeper who works with me and i find there are some things i cannot do without her help Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Sage was very complicated to use and expensive 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.