Xero

Verified listing

Cloud accounting built around bank reconciliation, with four UK tiers from Ignite to Ultimate

4.1Based on 297 reviews

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Ratings by dimension

Ease of use4.0
Value4.0
Support3.9
Features4.0

Rating distribution

5 stars
125
4 stars
100
3 stars
45
2 stars
18
1 star
9

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Verified reviews for Xero

297 reviews matching your filters

Emma Thornley

Founder · 1-10 employees · Education

United Kingdom

5.0

11 Feb 2026

Payroll included tipped it for us

Payroll is included from the Grow plan so we dropped a second subscription. Bank reconciliation is the fastest I have used, a month clears in minutes.

Pros

Payroll is included from the Grow plan so we dropped a second subscription.

Cons

Most businesses need to start on Grow, not the headline entry plan.

Ease of use: 5.0
Value for money: 5.0
Customer service: 4.0
Functionality: 5.0

Used for 6-12 months25 found this helpful

Thomas Okonkwo

Finance manager · 51-200 employees · Recruitment

United Kingdom

5.0

11 Feb 2026

The nicest accounting software to use

The interface is genuinely pleasant, which sounds minor until you use it daily, and the app marketplace connected our stock system in an afternoon. No complaints so far.

Pros

The interface is genuinely pleasant, which sounds minor until you use it daily.

Cons

Reporting is clean but less customisable than I expected.

Ease of use: 5.0
Value for money: 5.0
Customer service: 5.0
Functionality: 5.0

Used for 2+ years

Stephen Bhatti

Financial controller · 51-200 employees · Legal services

United Kingdom

3.0

3 Feb 2026

Unlimited users is a real saving

MTD VAT submissions have never once given us trouble. That said, reporting is clean but less customisable than I expected and most businesses need to start on Grow, not the headline entry plan.

Pros

MTD VAT submissions have never once given us trouble.

Cons

Reporting is clean but less customisable than I expected.

Ease of use: 4.0
Value for money: 3.0
Customer service: 3.0
Functionality: 3.0

Used for 6-12 months12 found this helpful

Alan Sandhu

Operations manager · 51-200 employees · Education

United Kingdom

5.0

1 Feb 2026

Payroll included tipped it for us

Bank reconciliation is the fastest I have used, a month clears in minutes. MTD VAT submissions have never once given us trouble.

Pros

Bank reconciliation is the fastest I have used, a month clears in minutes.

Cons

The fixed asset register is functional rather than good.

Ease of use: 4.0
Value for money: 5.0
Customer service: 4.0
Functionality: 5.0

Used for Less than 6 months1 found this helpful

Mohammed Ellery

Director · 1-10 employees · Hospitality

United Kingdom

5.0

30 Jan 2026

The nicest accounting software to use

Our accountant knows it inside out so support is never a problem. The app marketplace connected our stock system in an afternoon.

Pros

Our accountant knows it inside out so support is never a problem.

Cons

The Ignite tier is far too tight, twenty invoices a month is nothing.

Ease of use: 4.0
Value for money: 4.0
Customer service: 5.0
Functionality: 4.0

Used for 1-2 years26 found this helpful

Simon Bramley

Office manager · 1-10 employees · Manufacturing

LinkedIn verifiedUnited Kingdom

5.0

24 Jan 2026

Payroll included tipped it for us

Payroll is included from the Grow plan so we dropped a second subscription, and the interface is genuinely pleasant, which sounds minor until you use it daily. No complaints so far.

Pros

Payroll is included from the Grow plan so we dropped a second subscription.

Cons

Reporting is clean but less customisable than I expected.

Ease of use: 4.0
Value for money: 4.0
Customer service: 5.0
Functionality: 5.0

Used for 1-2 years39 found this helpful

Freya Dunmore

Office manager · 11-50 employees · IT services

United Kingdom

5.0

23 Jan 2026

Reconciliation is unmatched

The interface is genuinely pleasant, which sounds minor until you use it daily. Unlimited users means the whole team can be in the books without a fee.

Pros

The interface is genuinely pleasant, which sounds minor until you use it daily.

Cons

Reporting is clean but less customisable than I expected.

Ease of use: 5.0
Value for money: 5.0
Customer service: 5.0
Functionality: 5.0

Used for 2+ years29 found this helpful

Mohammed Marsden

Bookkeeper · 1-10 employees · Charity and non-profit

United Kingdom

5.0

18 Jan 2026

Great for connecting other systems

The interface is genuinely pleasant, which sounds minor until you use it daily. Unlimited users means the whole team can be in the books without a fee.

Pros

The interface is genuinely pleasant, which sounds minor until you use it daily.

Cons

Inventory is basic, we run a separate app for real stock control.

Ease of use: 5.0
Value for money: 5.0
Customer service: 5.0
Functionality: 4.0

Used for 1-2 years25 found this helpful

Eleanor Lockhart

Bookkeeper · 11-50 employees · Professional services

United Kingdom

5.0

12 Jan 2026

Payroll included tipped it for us

Payroll is included from the Grow plan so we dropped a second subscription. Bank reconciliation is the fastest I have used, a month clears in minutes.

Pros

Payroll is included from the Grow plan so we dropped a second subscription.

Cons

Reporting is clean but less customisable than I expected.

Ease of use: 5.0
Value for money: 5.0
Customer service: 5.0
Functionality: 5.0

Used for 2+ years14 found this helpful

Callum Middleton

Owner · 1-10 employees · Recruitment

United Kingdom

5.0

11 Jan 2026

Great for connecting other systems

The interface is genuinely pleasant, which sounds minor until you use it daily. Bank reconciliation is the fastest I have used, a month clears in minutes.

Pros

The interface is genuinely pleasant, which sounds minor until you use it daily.

Cons

The introductory discount ends and the standard price is a jump.

Ease of use: 5.0
Value for money: 5.0
Customer service: 5.0
Functionality: 4.0

Used for 1-2 years30 found this helpful