--- title: "Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Xero the right Trust Accounting solution for you? Explore 3339 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_type: "reviews" language: "en" publication_date: "2026-10-19" --- Xero 4.4 (3330) 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 # Reviews of Xero Ease of use 4.4 Customer Service 4.0 ## Pros and Cons in Reviews RR Rebecca R Production managerConstruction, 11 - 50 employeesUsed the software for: 1-2 years. “I also appreciate the cloud-based access, which allows me to manage accounting from anywhere, along with the seamless bank integrations that help save time and keep records accurate.“ May 22, 2026 HB Hayden B AccountantConstruction, 201 - 500 employeesUsed the software for: More than 2 years. “However, the absolute worst thing about this system is that you cannot modify the Default Reporting Dates from Calendar Month to Fiscal Year.“ July 27, 2026 NC Nikki C permit technicianConstruction, 2 - 10 employeesUsed the software for: More than 2 years. “What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing finances much more straightforward.“ April 27, 2026 AB Andrew B OwnerBusiness Supplies and Equipment, Self-employedUsed the software for: Less than 6 months. “There was no phone support option available, and I couldn’t even properly access my own account to manage the cancellation until I enabled two-factor authentication.“ May 22, 2026 NC Nikki C permit technicianConstruction, 2 - 10 employeesUsed the software for: More than 2 years. “It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features.“ April 27, 2026 DT Danielle T AP, AR, PayrollMechanical or Industrial Engineering, 11 - 50 employeesUsed the software for: More than 2 years. “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“ March 4, 2026 Jatin K AccountantsAccounting, 11 - 50 employeesUsed the software for: Less than 6 months. “Its ability to analyze financial trends, provide actionable insights, work with uploaded documents, and combine Xero data with relevant external information makes it especially useful for business decision-making.“ September 2, 2026 BN Bill N Senior Financial AccountantAccounting, 501 - 1,000 employeesUsed the software for: 1-2 years. “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.“ April 19, 2026 ## Showing most helpful reviews Showing 1-25 of 3330 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use R Reviewer President Used the software for: 1-3 years ### "Beyond Frustrated" November 2, 2026 1.0 I would never recommend Xero to anyone. Hopefully my review saves a few unsuspecting people like me. First of all, there is no access to pick up the phone and talk to someone. Has to go through Xero central online. My credit cards quit connecting and automatically showing up on Xero. Their answer to me is to do all of the extra work and just manually do it myself. I have talked to so many people at this point, and they never have an answer. They blame it on their 3rd party, Yodlee. However, no one does anything to fix it. I am now approximately 7 weeks into this not working, and got a call from them today, and still no answer to the problem. Never any offer to reduce my fees, or at this time should give me the service for free until they can get over their incompetence and fix the issues. Anyway, save yourself and use a different accounting software. I certainly will after the end of this year. If it weren't so much hassle for year end taxes, I would have done it 5 weeks ago. Pros My experience has soured me on everything. I thought it was a good value for a while, but you get what you pay for. Cons Being able to fix problems, customer service, not being able to pick up the phone and call, not being able to talk to a supervisor that can actually work on fixing the issues, bugs and issues Review Source Impact 360 M. Owner Used the software for: I used a free trial ### "Clean, modern cloud accounting" November 2, 2026 5.0 I tried Xero while comparing accounting options for a small business. It felt modern and efficient, especially for day-to-day reconciling and invoicing, and I would shortlist it for any small company moving to the cloud. Pros Xero has a clean interface, strong bank reconciliation, and good invoicing. The bank feeds and the way transactions match up save real time, the dashboard shows cash position clearly, and it connects to a large range of add-on apps. Cons Payroll and some US-specific features depend on add-ons or tier, and there is a short learning curve if you are moving from desktop accounting software. Review Source R Reviewer Advisory Board Member Used the software for: 3-5 years ### "Xero: Robust AP/AR and GL Automation GURU of this Era" November 2, 2026 5.0 Pros With Xero, I am able to automate complex repetitive accounting tasks such as AP/AR, GL, billing and invoice customization. Cons Even though Xero lacks robust financial management features, I am able to accomplish online accounting needs for my facility with it. Review Source R Reviewer Office Manager Used the software for: 1-3 years ### "Xero will not disappoint you!" November 2, 2026 5.0 I had been bitterly disappointed with Quickbooks and then their customer service. Xero was very easy to onboard with and I had no issues for the year and a half I used them. I would recommend them to anyone looking for a great accounting software. Pros The price was fantastic and I felt the quality was worth it. I was still reeling from Quickbooks failing on me so I was looking for something better. This was it. Cons I had no issues for the year and a half that I used Xero. In fact, it was a great software to use for my accounting. Review Source R Reviewer service coordinator Used the software for: Less than 1 year ### "New to Xero, and like it" October 27, 2026 4.0 I have only been using it for a few months but i find it easy to navigate easy to learn and its very reliable compaired to the older purchasing systems i have used. Pros Definately ease of use. all of the options are very obvious so navigating is very instinctual and hasnt been over complicated. Cons Can be tricky to log on as you frequently have to use a authenticator app clearence, but thats the security rather than the actual product. Review Source R Reviewer Food Technologist Used the software for: 1-3 years ### "Please stop tinkering with things, the base functionality works fairly well!" October 26, 2026 2.0 It's quickly become industry standard and default and the lack of viable competition and the extent to which it becomes embedded in the company means you're never really going to leave, so once you're onboard you feel like you just have to live with it and stop expecting it to get better. Pros While I use it in a fairly limited capacity, it's relatively easy to learn to use and there was no real barrier to entry or need for intensive training to get to learn how to use it. It's easy to create new contacts and new invoices Cons Unfortunately like all cloud based systems now, the change management is awful, you're constantly at the whim of the developers as to when you have new things added or taken away, and new features often seem pointless or unintuitive, often introducing many bugs or just making the overall expierience worse. I worry that real users never actually get to test these things, with it all being done by script, or even worse, AI. Review Source R Reviewer 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 R Reviewer IT Used the software for: 3-5 years ### "Facidade de uso" October 13, 2026 5.0 Actualmente, o Xero continua com uma otima facilidade de uso, simplicidade nas operações como geração de automática de faturas Pros \- Possibilidade de adicionar vários usuários sem custos extras; - Otima integração com aplicstivos de terceiros; - Boa Otimização na leitura e cruazamento de dados de extratos bancário. Cons Como pequeno empreendedor, o Xero ainda tem um custo beneficio alto para mim, Algumas funções avançadas como contabeis requer conhecimento avançado Review Source R Reviewer Chiropractor Used the software for: Less than 1 year ### "Easy to use for a Luddite like me" October 12, 2026 5.0 Relatively easy to use once the setup is completed. I benefitted a lot from chatting with the account rep during the initial setup. I'd recommend that to anybody that decides to use Xero. Pros I enjoy the auto fill feature in the reconciliation process. The program tends to learn well about what I will label an expense as. Cons The setup itself can be challenging, especially for someone unfamiliar with the accounting process. Importing all of my bank information and setting up which accounts connect to other accounts has me confused as I try to navigate it on the Xero page. Review Source R Reviewer CEO Used the software for: 1-3 years ### "Good Product but not for Hourly Charges" October 12, 2026 3.0 OK but find that some of the functionality isn't particularly user friendly. The pricing also seems to creep up on a regular basis Pros I like the ease of setup and that it integrates with lots of different products and other software systems Cons When trying to do invoices for time you have to work out the decimal value of the hour which is really frustrating. Review Source R Reviewer owner, founder Used the software for: 3-5 years ### "Simple to use and learn and still robust!" January 22, 2026 5.0 I've tried a few bookkeeping programs and either they didn't have enough features to be useful or they were so overly bloated, it made it difficult to do basic tasks or get simple reports on the health of my business. Xero threads the needle perfectly, being simple to use and get the information I need while still being robust enough to fill all of my business needs. Pros Xero is very affordable and the learning curve is much lower than other bookkeeping programs. The reporting dashboard gives me the information I actually need and it's a breeze to hook up my accounts. Cons Sometimes my accounts disconnect randomly and it takes a little bit to get them synched up again without missing any transactions or having them appear more than once. Review Source R Reviewer Head Brewer and Founder Used the software for: 3-5 years ### "Intuitive, well-connected and time-saving accounting software" July 5, 2026 4.0 It has greatly improved my bookkeeping process and helped me keep track of our company finances. It's rare that I need help but when I've reached out to the customer support team the responses have been quick and helpful. Pros It loads quickly, information is set out in an easy to access manner. It integrates very well with other platforms and makes reconciliation very quick and easy. Cons Sometimes you have to dig too deep into more unusual locations to find the information required. There is a tendency to drop connections to bank accounts from time to time and the process for reconnecting can take a little while. Review Source GO Gabriella\_ O. Human resources manager Used the software for: 1-3 years ### "Xero is powerful but not without its drawbacks " September 5, 2026 5.0 Pros Xero makes invoicing simple with quick professional invoices and automated payment tracking.I also like how its reporting offers clear real time financial insights to support smarter decisions. Cons Sometimes it’s pricing can be higher for smaller businesses ,anything else was perfect while working with it. Review Source R Reviewer CEO Used the software for: I used a free trial ### "Absent customer support on anythingA" September 8, 2026 1.0 Terrible. I could not even cancel my account due to their authentication issues. Its too bad because their is a fair amount of upside to this company. Pros Downloading bank statements easy. Simple interface makes it easy to navigate, however it can be challenging if you are dealing with multiple accounts. Cons Horrible customer service. Serious login issues can keep you out of your account, and there is no customer service phone, or even chat function. Because of this I am canceling my membership, but even this is turning out to be a chore. Review Source Verified Reviewer BD Director Used the software for: 3-5 years ### "Solid accounting software" June 29, 2026 5.0 I use Xero for two of my businesses and very happy with it. The reporting is top notch, it’s intuitive to use and generally it is just a solid software. Pros Easy to use, good access restrictions in place, great reporting features, team is constantly developing new features and updating UI. Cons Can be quite expensive for a small business. Bank integrations can be a bit fiddly at times and don’t work properly on occasion. Review Source R Reviewer Founder Used the software for: Less than 1 year ### "Xero application fees are a hidden 2.9 - 4.4% fee on when providing a payment gateway for stripe." February 17, 2026 2.0 I feel as if I've been scammed by xero out of 3-4% of my income on top of their monthly fee as a hidden surcharge for doing business using them. I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or justification for the fees they're just there without notice, recourse or warning. Pros Payment gateway set up was easy. Initial set up was fairly simple. I like that invoicing customers is simple enough. As a consultant, I found that valuable. The dashboard was complicated though and getting specifically to my customer payments not intuitive. Cons I feel I was cheated by them. They were charging anywhere from 2.92 - 4.42% in "xero application fees" on top of the stripe fees for stripe's payment processing. I only saw these fees once I went into my stripe portal to process a refund after a month. It's not even a standard rate and the variance isn't based on dollar amount, it doesn't make any sense. This means in order to process a client's payment through xero and stripe, I'm paying anywhere from 6-10% in fees with stripe and xero combined. None of these fees were explained up front from Xero's end though stripe's certainly were. Just googling "xero application fees on stripe" I find I'm not the first or even the first dozen to raise this problem and none of the raised responses on their message boards lead to a resolution. I'm now being forced to research another payment portal provider in the middle of the month because I refuse to send this last month's invoices and pay 10% in fees to xero for it. As I look into other applications like quickbooks, they don't charge fees for payment portal, I've gotten no explanation from xero as to why they do. Furthermore, stripe allows payment processing fees to be passed onto the client, this fee is yours as a xero customer whether you like it or not. Review Source R Reviewer Managing Director Used the software for: 1-3 years ### "Great product, easy to use. " July 22, 2026 5.0 Pros Easy to use, easy to integrate with and gets the job done quickly with no fuss. As a developer their API is open and not paywalled which is nice. Cons Wish the base tier was not so limited in terms of number of bills and invoices. End up doing workarounds because of this. Review Source R Reviewer Head of Support Used the software for: 3-5 years ### "Best software as long as you get the right package " August 16, 2026 5.0 Very positive overall just make sure that you get the right package else you'll have to keep having add ons or be rather limited Pros Best bank matching and reconciliation around. The reporting is fantastic and allows us to pull reports for management as needed. Cons The support could be better. A little frustrating you can't just pick up the phone and speak to someone if you have a quick query Review Source MR Mohammed R. technical engineer Used the software for: Less than 1 year ### "Simple and Reliable Accounting Solution" September 23, 2026 5.0 Pros Xero is easy to use and makes accounting tasks simple and organized. I especially like the clear reports, invoicing features, and easy access from anywhere. Cons Some advanced features can take time to learn, and the pricing may feel a little high for smaller businesses. Review Source R Reviewer Owner Used the software for: Less than 1 year ### "Finally ready for Making Tax Digital" August 21, 2026 4.0 Super easy to tag expenses to specific properties and track rent coming in, though setting up separate tracking categories took a little tinkering. Pros Honestly, it just makes invoicing super easy and keeps everything organized without feeling like actual accounting. Cons I wanted to get ahead of Making Tax Digital before it becomes mandatory, but it took a bit to get the hang of, and the price keeps going up for basic features. Review Source Lisa R. Office manager Used the software for: 1-3 years ### "Xero for Invoicing and reporting" October 17, 2025 5.0 Overall I like the flexibility of the invoicing and reporting within Xero. We do not use the online payment option, yet. I would highly recommend. Pros The process for entering invoices and tracking what we are billing is very easy. I can easily pull reporting (balance reports, invoices, profit and loss, etc). This software is a great value for the money. I have not experienced any bugs or issues. Cons The reason I originally did not use Xero was because our bank does not connect with Xero. Our accountant manually adds the data from the bank. This is on my bank though, not Xero. Review Source Sam H. Audit Assistant Manager Used the software for: 3-5 years ### "Xero Review" February 23, 2026 5.0 Overall, my experience with Xero 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 Xero 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. Review Source Verified Reviewer Treasury Accountant Used the software for: Less than 1 year ### "Efficient and User-Friendly Accounting, with Minor Limitations for Advanced Needs" April 15, 2026 4.0 My overall experience with Xero has been very positive, especially for managing day-to-day accounting tasks efficiently. The platform is easy to navigate, and features like bank reconciliation, invoicing, and real-time financial tracking make routine processes much quicker and more organized. It’s particularly useful for keeping everything in one place without needing multiple tools. At the same time, I’ve found that for more complex requirements, like detailed reporting or advanced customizations, it can feel a bit limited and sometimes requires workarounds using external tools. Despite that, for regular accounting needs and overall usability, it’s a reliable and user-friendly solution that has significantly improved workflow efficiency. Pros What I like most about Xero is how intuitive and time-saving it is for day-to-day financial management. The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier. I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort. The invoicing function is also smooth, with easy customization and quick sharing options, which helps streamline client interactions. That said, while it’s great for standard accounting needs, it can feel slightly limited when dealing with more complex reporting or highly customized requirements. Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution. Cons What I like least about Xero is that some of its advanced features can feel limited, particularly when it comes to highly customized reporting or complex financial analysis. For example, generating detailed, tailored reports often requires exporting data to Excel, which adds an extra step. I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports. Additionally, certain features like multi-currency handling or more advanced integrations, are only available in higher-tier plans, which can make it less cost-effective for growing businesses. Review Source VR Verified Reviewer Finance Operations Used the software for: 3-5 years ### "Xero wins every time!" February 18, 2026 5.0 I have used Xero for over 16 years and would still recommend it as the best finance software tool for any business. Pros Xero is simple to use and has a clean interface. They also have a comprehensive knowledge base and community that can answer just about any question. Invoicing is simple and easy to send, there a very very rarely, if any, bugs and the reporting options continue to grow. Everything you need is in Xero. Cons The pricing could be better and it needs some work for companies who deal with multiple currencies (examples: being able to make payments from Xero via batches for other currencies, or when reconciling it doesn't default to AUD) Review Source VR Verified Reviewer CEO Used the software for: 3-5 years ### "Xero is the hero finance tool you need" January 22, 2026 5.0 I love this product I use it as a go to financial tool and I love the integration with bill.com. Makes my life way easier Pros Xero is a gamechanger true value for your money. It's easy to use, great customer service that fixes bugs and issues in a timely manner. Love the user interface dashboard and exceptional features Cons I don't really have an negatives with this product. Maybe the price is a bit heavy for startups without investors but for automations etc. Its just like worth it to get 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.