Moneybird or Xero?

Price, integrations and Netherlands check side by side.

Moneybird

for freelancers and SMEs

Online accounting with invoicing, bank feed, VAT return and Peppol, for freelancers (zzp) and SMEs.

from €4 /month

7 of 7 NL check

Xero

for freelancers and SMEs

Online bookkeeping from New Zealand with invoices and bank reconciliation; in the Netherlands via the Global edition.

Price on request

1 of 7 NL check

The differences

Moneybird stores your data in the EU, Xero does not.
Moneybird is a Dutch company, Xero is not.
Only Moneybird integrates with Rabobank, ING, ABN AMRO, bunq, Mollie, Shopify, WooCommerce and Lightspeed.
Only Xero integrates with Stripe, PayPal, Wise, Dext, Syft and Tradify.

Side by side

Moneybird compared with Xero
	Moneybird	Xero
Price	from €4/month	On request
Support in Dutch	✓ Yes	Unknown
App in Dutch	✓ Yes	Unknown
Data in the EU	✓ Yes	✕ No
Data processing agreement	✓ Yes	✓ Yes
iDEAL	✓ Yes	Unknown
Peppol e-invoices	✓ Yes	Unknown
Company in the Netherlands	✓ Yes	✕ No
Integrations	Rabobank, ING, ABN AMRO, bunq, Mollie, Shopify, WooCommerce, Lightspeed	Stripe, PayPal, Wise, Dext, Syft, Tradify
Free trial	60 days	30 days
Stackwijs verdict	No verdict yet	No verdict yet
User reviews	No reviews yet	No reviews yet
For whom	freelancers, SMEs	freelancers, SMEs

Facts checked between 3 November 2026 and 4 November 2026 on the vendors' websites.

Moneybird or Xero: questions

What is the difference between Moneybird and Xero?

Moneybird stores your data in the EU, Xero does not. Moneybird is a Dutch company, Xero is not. Only Moneybird integrates with Rabobank, ING, ABN AMRO, bunq, Mollie, Shopify, WooCommerce and Lightspeed. Only Xero integrates with Stripe, PayPal, Wise, Dext, Syft and Tradify.

Which one do you choose?

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Moneybird

Online accounting with invoicing, bank feed, VAT return and Peppol, for freelancers (zzp) and SMEs.

Suits freelancers (zzp) and small businesses who invoice, connect their bank and file their own VAT return.

Price: from €4 /month
Try it: 60 days free
NL check: 7 of 7

View Moneybird

On the Moneybird website

Xero

Online bookkeeping from New Zealand with invoices and bank reconciliation; in the Netherlands via the Global edition.

Suits anyone looking for English-language accounting software with many integrations who handles VAT returns and bank import themselves.

Price: Price on request
Try it: 30 days free
NL check: 1 of 7

View Xero

On the Xero website

Also compare

All accounting packages compared

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