Short verdict
Good fit for
Anyone looking for English-language accounting software with many integrations who handles VAT returns and bank import themselves.
Less suited to
Anyone who expects a Dutch VAT return, a direct bank feed with a Dutch bank or Peppol in the plan.
Key facts
- Prices in dollars only, from $32 per month
- No open banking feed with Dutch banks; you import statements yourself
- Data with cloud providers in the US
What is Xero?
Xero is accounting software from Xero Limited in Wellington (New Zealand). You create invoices and quotes, process purchase invoices, reconcile bank transactions and view reports. There is no Dutch version: the region choice on the site does not include the Netherlands, and outside the countries with their own version you pay in dollars. Xero does not mention a Dutch VAT return or Peppol for the Netherlands. According to a Xero employee (July 2025), the open banking feeds in the EU only cover Denmark and Ireland; for ABN AMRO, for example, you import statements yourself. You can link Stripe, PayPal and Wise directly. All cloud providers on the list of sub-processors are in the US. The Data Processing Addendum is part of the terms of use.
Good: more than 1,000 integrations in the app store, and direct feeds from Stripe, PayPal and Wise. You can try it free for 30 days.
Less good: no Dutch VAT return, no bank feed with Dutch banks and no data in the EU. Xero does not mention a Dutch interface or support, and prices are in dollars only.
How much does Xero cost?
Starting price
On request
Prices in dollars only, as on the Irish pricing page: Starter $32, Standard $54 and Premium $82 per month. New customers get 80% off the first 3 months. Starter has a maximum of 20 invoices and 5 purchase invoices. The pricing page does not say whether the amounts are excl. VAT.
- No free plan
- ✓ 30-day free trial
- The vendor does not say whether this is excl. VAT
Price alert for Xero
According to the Xero site on . The current plans are on the vendor's site. Has the price changed? Let us know.
The Netherlands check
Useful if you run a business in the Netherlands. "Unknown" means we could not verify it.
Support in Dutch: Unknown
Questions about VAT or a bank feed are easiest to ask someone who knows the Dutch rules, in a language you are comfortable with.
App in Dutch: Unknown
A Dutch app uses the same terms as the Belastingdienst and your accountant.
Data in the EU: No
Data in the EU falls under the GDPR. Outside the EU, especially in the US, other laws can give access to your data.
More about data in the EU →Data processing agreement: Yes
If a tool processes personal data of your customers, the GDPR requires you to sign a data processing agreement.
More about the data processing agreement →iDEAL: Unknown
Most Dutch people pay online with iDEAL. With a payment link on your invoice, you get paid faster.
More about iDEAL and Wero →Peppol e-invoices: Unknown
Peppol is the network for e-invoices. The government already asks for it, and the EU is making e-invoicing between businesses mandatory in the coming years.
More about Peppol →Company in the Netherlands: No
A Dutch company falls under Dutch law. For some businesses that matters, for example in a dispute.
Checked on . Something no longer correct? Report an error.
Integrations
According to its own site, Xero integrates with, among others:
Stripe
PayPal
Wise- Dext
- Syft
- Tradify
Alternatives to Xero
- SnelStartfrom €15.50 /month excl. VAT7 of 7 NL checkCompare
- Exact Onlinefrom €49 /month excl. VAT6 of 7 NL checkCompare
- RompslompFree plan, paid from €8.95 /month excl. VAT7 of 7 NL checkCompare
- Moneybirdfrom €4 /month7 of 7 NL checkCompare
Xero is based outside the EU. 18 European alternatives to Xero
User reviews
No reviews yet. Reviews do not count towards our verdict.
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Frequently asked questions about Xero
How much does Xero cost?
Xero does not list a price on its site; pricing is on request. You can try it free for 30 days. Prices in dollars only, as on the Irish pricing page: Starter $32, Standard $54 and Premium $82 per month. New customers get 80% off the first 3 months. Starter has a maximum of 20 invoices and 5 purchase invoices. The pricing page does not say whether the amounts are excl. VAT.
Who is Xero for?
Xero is aimed at freelancers and SMEs. Online bookkeeping from New Zealand with invoices and bank reconciliation; in the Netherlands via the Global edition.
Does Xero store my data in the EU?
No, Xero does not store your data in the EU. You can sign a data processing agreement.
Which banks and tools does Xero integrate with?
Xero integrates with Stripe, PayPal, Wise, Dext, Syft and Tradify, among others.