--- title: "Xero Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Xero the right Trust Accounting solution for you? Explore 3330 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: "2026-09-29" --- 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 September 29th, 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 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 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 Rashi B Treasury AccountantFood & Beverages, 11 - 50 employeesUsed the software for: Less than 6 months. “I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports.“ April 12, 2026 Rashi B Treasury AccountantFood & Beverages, 11 - 50 employeesUsed the software for: Less than 6 months. “The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier.“ April 12, 2026 DE Daryl E ConsultantInformation Technology and Services, 2 - 10 employeesUsed the software for: More than 2 years. “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.“ October 9, 2025 ## Showing most helpful reviews Showing 1-25 of 3330 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Abbey W. owner, founder Retail Used the software for: 2+ years ### "Simple to use and learn and still robust!" January 20, 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. Alternatives considered [17hats](https://www.capterra.com/p/144328/17hats/)[FreshBooks](https://www.capterra.com/p/142390/FreshBooks/)[Harvest](https://www.capterra.com/p/75598/Harvest/) Reason for choosing Xero These products, while affordable, didn't offer all the features. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Quickbooks was too expensive and complicated to use Review Source KH Kira H. Information consultant Information Services Used the software for: Less than 6 months ### "Efficient Cloud Accounting That Keeps Daily Bookkeeping and Bank Reconciliation Effortless"" August 28, 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 AC Arni C. CEO Health, Wellness and Fitness Used the software for: I used a free trial ### "Absent customer support on anythingA" September 6, 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 VR Verified Reviewer BD Director Legal Services Used the software for: 2+ years ### "Solid accounting software" June 25, 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. Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) Reason for choosing Xero Seemed easier to use and was preferred by our bookkeepers. Review Source SP Susan P. DM Accounting Used the software for: 2+ years ### "Simple and Reliable Accounting for Everyday Business" September 17, 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 Bryce M. Founder Marketing and Advertising Used the software for: Less than 6 months ### "Xero application fees are a hidden 2.9 - 4.4% fee on when providing a payment gateway for stripe." February 7, 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. Switched from [FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) I only needed a payment portal and monthly invoice system, freshbooks was trying to be an all-in-one solution and not doing it "all" effectively. I switched to xero because my primary client had other consultants who were also on xero and I wanted to ensure I was sending similar invoices that wouldn't be jarring to the client. Review Source GO Gabriella O. Human resources manager Telecommunications Used the software for: 1-2 years ### "Xero is powerful but not without its drawbacks " September 3, 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 LP Luke P. Head of Support Information Technology and Services Used the software for: 2+ years ### "Best software as long as you get the right package " August 15, 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 VO Vincent O. Owner Accounting Used the software for: 1-2 years ### "Recommend Xero for small busines" August 6, 2026 5.0 Overall, I highly recommend it for small businesses that do not have very much accounting to do ( for example, they have income and expenses) Pros Very easy to use, very easy to install and set up. Great customer service and very inexpensive for a small business. Cons They push a little too much on trying to get referrals. They also team up with 3 rd parties and try to get you to use these third parties. Review Source mR muhammed R. technical engineer Computer Networking Used the software for: 6-12 months ### "Simple and Reliable Accounting Solution" September 21, 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 ARM Abdul Rehman M. Director Health, Wellness and Fitness Used the software for: 6-12 months ### "So easy to use but a little outdated looks wise" May 5, 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/) Reason for choosing Xero Xero was used by most of my suppliers and I wanted to try it out myself first Review Source AP Alexis P. Office Manager Construction Used the software for: 1-2 years ### "Good Product" May 8, 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 LJ Lyn J. Senior Manager Construction Used the software for: 1-2 years ### "Xero - Accounting tool" April 11, 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 EJ Ethan J. Auditor Accounting Used the software for: 2+ years ### "Xero - Brilliant and Effective" February 11, 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/) Reason for choosing Xero Easier to implement with clients and more user friendly. Review Source Craig H. General Manager Dairy Used the software for: 1-2 years ### "Great for Businesses of All Sizes" November 3, 2025 5.0 Xero is very easy to use and adaptable for all types of businesses. It provides quick access to favorites and allows dashboards to be customised for each user. Overall, I’m very happy with the system. Pros Xero is easy to use and has an intuitive interface, which made navigating the platform straightforward. I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments on track. Cons Some advanced features take a bit of time to learn, and certain integrations may have extra costs. Overall, these are minor trade-offs given how efficient the platform is. Switched from [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/) It has seamless integrations with other programs we use and very easy to use 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 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. 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 VR Verified Reviewer Treasury Accountant Food & Beverages Used the software for: Less than 6 months ### "Efficient and User-Friendly Accounting, with Minor Limitations for Advanced Needs" April 12, 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 Emma C. Business Support Manager Information Technology and Services Used the software for: 2+ years ### "Xero - user-friendly and intuitive" March 23, 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 VR Verified Reviewer CEO Accounting Used the software for: 2+ years ### "Xero is the hero finance tool you need" January 20, 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 EB Emma B. Financial Controller Non-Profit Organization Management Used the software for: 2+ years ### "Excellent one stop accounting software" January 25, 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 Adrien J. CEO Real Estate Used the software for: 2+ years ### "Bank feed not working as advertised" March 9, 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 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 Xero 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 DB Darien B. Essential Services Consultant Telecommunications Used the software for: 2+ years ### "Using Xero for Telecommunications Accounting Needs" August 26, 2025 5.0 Pros It was easy to implement and start using Xero without partnering with external system deployers. I like how it makes it easy to process payments online, manage inventories and customize invoices. Cons Even though Xero lack global enterprises accounting features it has a robust integration capability that allows me to connect with external tools such as SAP Concur. Review Source NB Nerisha B. Senior Bookkeeper Construction Used the software for: 2+ years ### "My thoughts on Xero!" June 27, 2026 5.0 Pros I like how Xero make Invoicing to be quick and online first so that we can create,send and track invoices from anywhere. Cons Xero has been of great help while using it,I can’t find anything to highlight as a dislike its 100% amazing Review Source HL Hikmet L. Medical Assistance Specialist Hospital & Health Care Used the software for: 2+ years ### "Recalculate international medical assistance expenses." February 23, 2026 4.0 Accurate accounting is critical as a Medical Assistance Specialist. I am using it to control our international case costs. It is affordable yet the customer service should be refined. Pros The dashboard is so user-friendly that it is simple to use the invoicing option and charge international insurance firms of a complicated medical evacuation within a short period. Cons Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions. 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.