Compare · checked 4 October 2026
FinBaze or Xero?
Xero has a huge app store and most UK accountants know it. FinBaze takes a different approach: it books your bank feed and receipts for you, and files VAT from the same books.
14 days free, then from £35 a month + VAT.
Today
Business account · up to date
- Sales Oct£16,420
- Costs£5,310
- VAT this quarter£1,622
For you (3)
Which one suits you
No software is best for everyone. Here's how to choose.
Choose Xero if…
your accountant runs their practice on Xero and wants you there too, you rely on add-on apps from its app store, or you run payroll inside it.
Visit XeroChoose FinBaze if…
you'd rather not write bank rules and reconcile every line. FinBaze suggests the account and VAT for each payment, attaches the receipt, and you approve.
Start your free trialAn example
A quarter for a five-person design studio
Northbank Studio Ltd has 140 bank payments in a quarter. In FinBaze most arrive with a suggested account and VAT rate and a receipt already attached, and the director reviews the rest in one sitting. On the last day of the quarter the VAT return is built from those bookings.
- Bank, receipts and bills booked for you
- You approve what FinBaze isn't sure about
- VAT return built from the same bookings
A quarter for a five-person design studio
140 bank payments, receipt already attached
Side by side
Xero and FinBaze, point by point
| Topic | FinBaze | Xero |
|---|---|---|
| Price per month | £35 (Basic), £39 (Grow) or £90 (Scale) | £7 (Simple) to £70 (Ultimate) |
| Booking bank payments | Account, VAT rate and receipt suggested for each payment; you approve | Bank rules you set up and reconcile |
| Receipts and bills | Photo, email forward or connected mailbox, read by FinBaze on every plan | Hubdoc included |
| VAT under Making Tax Digital | Yes, built from the same bookings | Yes |
| Add-on apps | Bank feeds, Stripe, shop integrations and an API on Scale, built in | A large app store |
| Your accountant | Works in the same books as you. | Most UK firms know Xero |
Monthly prices, excluding VAT. Xero details checked on 4 October 2026 on their own website. → Check on xero.com
Moving from Xero in an afternoon
Start at a fixed point, ideally a new VAT quarter. After that you only keep Xero for your records.
Pick your start date
The start of a VAT quarter or financial year is simplest.
~1 min
Enter your opening balances
Balances and open invoices on that date. Your accountant can help.
~20 min
Connect your bank
Sign in to your bank. Transactions from your start date come in.
~5 min
Invite your accountant
They work in the same books as you from then on.
~1 min
Try FinBaze alongside Xero
Try FinBaze free for 14 days with your own bank and receipts while Xero carries on as usual. Then see for yourself what gets booked for you.