01
Track cash flow and simplify invoicing
Send recurring invoices, accept online payments, and see real-time profit and loss. The dashboard shows money in and out without complex accounting knowledge.
$404 value
Xero
Accounting
4.3 (3)
Verified Editor's pick ACCOUNTING
Xero deal: Exclusive Xero access
Cloud accounting for UK and ANZ businesses — Ignite at £16/mo, Grow at £33/mo, Comprehensive at £47/mo, and Ultimate at £59/mo, with a free 30-day trial.
- Most accountant-friendly interface in the UK market — over 200,000 UK businesses use Xero, and most bookkeepers already know it
- Direct HMRC MTD VAT submission built into every paid tier — no third-party software needed for Making Tax Digital compliance
- Strong app marketplace with first-party Stripe, Shopify, and Dext integrations plus 1,000+ connected apps
- Unlimited users on Grow, Comprehensive, and Ultimate at no extra per-seat charge — a major advantage over QuickBooks
Editor's pick
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Member-only
Verified weekly · No signup wall
Verified 2 weeks ago · live
Negotiated direct by saasTweaks
Founders
575+
claimed all-time
This week
259
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Ends in
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About Xero
Xero, in 30 seconds
Xero is a cloud accounting platform built for small businesses and the accountants who serve them. It is the dominant choice in the UK, Australia, and New Zealand for businesses under about 50 staff. The interface is genuinely friendlier than QuickBooks, and the accountant-collaboration features are a real reason it spreads inside accountancy practices.
How it actually works
You connect your business bank account via Open Banking, set up a chart of accounts (Xero will guess one based on your industry), and start sending invoices and reconciling transactions. Bank rules and AI suggestions handle most reconciliation in a couple of clicks. VAT returns submit directly to HMRC under Making Tax Digital. Payroll is a paid add-on.
The App Store has more than 1,000 integrations — Stripe, GoCardless, Dext, Hubdoc, Shopify, and most CRMs are first-class.
Pricing reality
UK pricing as of 2026: Ignite £16/month (20 invoices, 5 bills), Grow £33/month, Comprehensive £47/month, Ultimate £59/month. Payroll starts at £6/month for one employee. International plans differ — Australia and New Zealand have separate tiers and prices.
Xero raises prices most years. Long-term users have seen the equivalent of around 50% increases since 2020. Annual contracts are not standard; you can cancel monthly.
How it compares
| Software | Starting price | Best for |
|---|---|---|
| Xero | £16/mo | UK and ANZ small businesses |
| QuickBooks Online | £12/mo | US-first, also strong UK |
| FreeAgent | £19/mo (free with NatWest) | UK freelancers and contractors |
| Sage Business Cloud | £14/mo | Established UK SMEs |
Who should buy it
Pick Xero if you are a UK, Australian, or New Zealand small business, you want your accountant to log in and collaborate, and you value a clean interface. Skip it if you are a US C-corp needing GAAP, you have heavy inventory or manufacturing, or you are looking for a free tier.
Try Xero
30-day free trial, no card required. Discounts for new customers via accountants are common.
Capabilities
- • Double-entry accounting with bank feeds and automatic reconciliation
- • Invoicing with online payment acceptance via Stripe, PayPal, and GoCardless
- • Expense management with mobile receipt capture and mileage tracking
- • Payroll in the UK, Australia, New Zealand, and select other markets
- • Inventory tracking with cost of goods sold and stock level management
- • Multi-currency accounting with real-time exchange rate conversion
- • Financial reporting: P&L, balance sheet, cash flow, and budget variance
- • 1,000+ app integrations via the Xero App Store including Shopify and HubSpot
What's included
02
Share live books with your financial advisor
Your accountant gets secure, direct access to your real-time data for advisory work and tax filing. No more sending backup files at year-end.
$405 value
03
Connect sales platforms to your books
Use integrations to automatically pull sales data from platforms like Shopify or Stripe. Reconcile payouts and track online revenue in one place.
$406 value
04
Founder office hours
Quarterly access to product leadership.
$201 value
05
Stack credits
Bonus credits redeemable on partner tooling.
$202 value
06
Annual audit
We re-verify the offer every quarter so it never goes stale.
$203 value
How to claim
-
Click claim
Hit the button on this page — opens the partner site in a new tab.
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Apply via your VC or accelerator
Check your investor or accelerator benefits portal for the Xero partner code. Y Combinator, Sequoia, and most Tier 1 VCs have codes available.
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Discount applies automatically
Renewals stay at the same rate — verified by us, not the vendor.
How Xero stacks up
| Feature | Xero |
|---|---|
| Free trial | 14 days |
| Cheapest paid plan | $0/mo |
| Annual discount | Up to 25% |
| Refund window | 30 days |
| Setup time | < 1 hour |
| Best for | Founders |
What members say
“Best cloud accounting for UK small businesses”
“My first recommendation for every SME client”
“Solid platform but watch the annual price rises”
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Frequently asked
Does Xero submit VAT returns to HMRC?
Yes. Xero is recognised by HMRC for Making Tax Digital and submits VAT returns directly.
Is there a free version?
No, but there is a 30-day free trial. Some UK banks (notably NatWest and Mettle) bundle FreeAgent — a competitor — for free.
How many users can I add?
Unlimited on every paid tier, including your accountant.
Does it integrate with Stripe?
Yes, natively. Stripe fees are auto-categorised and reconciled.
Can I cancel monthly?
Yes — Xero is month-to-month, no annual lock-in.
Does it work for US businesses?
It does, but QuickBooks dominates the US market and most US accountants use it. Outside the UK and ANZ, Xero is the underdog.