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Xero Accounting Software logo
Xero
4.4

( 631 )

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Xero Reviews: 4.4/5 — Solid Choice

Xero Overview
What is Xero?

Xero is a mature, cloud-based accounting platform for small and growing businesses that offers invoicing, bank reconciliation, expense capture, reporting, cash flow forecasting, multi-currency support and a large integrations ecosystem.

Company Xero Limited
Year founded 2006
Company size 1000+ employees
Headquarters Wellington, New Zealand
Managed by:
Axel Grubba
Founder
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Ask Questions about Xero
What Xero is best for?
How does Xero compare to QuickBooks Online?
What are the pros and cons of Xero?
Xero Product Details
Capabilities
AI
API
Segment
Small Business
Mid Market
Freelancer
Ease of use
Beginner
Advanced
Deployment Cloud / SaaS / Web-Based, Mobile Android, Mobile iPhone
Support Chat, Email/Help Desk, FAQs/Forum, Knowledge Base
Training Documentation, Videos
Languages English
Xero Pros and Cons
Pros
  • Comprehensive core accounting, invoicing, expense tracking and reporting features
  • Unlimited users with no per-user license fees in core plans
  • Strong mobile app support and substantial feature parity on mobile
  • Large ecosystem and open API with many integrations
  • Transparent pricing with introductory discounts and multi-currency/localization support
Cons
  • Some advanced features (multi-currency, project costing, expense claims) are available only in higher tiers
  • Payroll in the US is via partner (Gusto), so native payroll varies by country
  • No standard inbound phone support; phone contact is by callback rather than a public phone line
  • Some features (e.g., auto-reconcile) are in Beta and may evolve
  • Developer API terms prohibit using API data to train AI/ML models
Xero Features
Accounting software integrations
Accounts Payable
Accounts Receivable
Add-ons (extra features beyond base plan)
AI Assist / automated guidance
AI-based tools / automation beyond categorization
AI or automation tools (chatbot / assistant)
Analytics / key performance indicators (KPIs)
Annual tax filing support (personal &/or business)
API Access
API or white-label partner capabilities
API / third-party integrations
Xero Media
Xero - Xero Homepage
Xero Screenshots
Xero Homepage
Xero Homepage
Disclaimer
Our research is curated from diverse authoritative sources and meant to offer general advice. We don’t guarantee that our suggestions will work best for each use-case, so consider your unique needs when choosing products and services. Feel free to share your feedback.
Last updated: October 15, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Mid Market (51-1000 emp.)
Dec 28, 2023
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Praticle and visual friendly, but lacks on some aspects."
What do you like best about Xero?

I like that it is easy to use, visual friendly, I can find things very easily, the reports are great, very instinctive.

What do you dislike about Xero?

I find that Xero falls short in several areas that are crucial for our international financial and accounting needs. One major drawback is its inability to assist in batch payment file creation. Additionally, I have refrained from attempting to utilize it for international banking information, such as those containing Swift codes, as it seems incapable of accommodating such details. Another significant limitation is its failure to consolidate data from the two separate companies we have registered on the platform. Given these shortcomings, I am concerned that Xero may become obsolete for our requirements, as it lacks the essential features we currently need.

What problems is Xero solving and how is that benefiting you?

Xero is only effective in recording the financial and accounting information occurring within the registered American company. I cannot say the same for the Brazilian side of the business.

Small Business (50 or fewer emp.)
Oct 26, 2023
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"More User Friendly than any other Accounting Software"
What do you like best about Xero?

Xero is very user friendly compared to other accounting software especially for small business owners who feel overwhelmed with the amount of compliance. Xero makes it very easy to convert files from other accounting software and assist with the entire process. Customer support is very efficient compared with other accounting software and provide relevant and useful answers together with follow up. Integration with third party apps is seamless with additional features and updates added regularly. Access is very stable and offer different methods of accessing the program.

What do you dislike about Xero?

The downside of Xero is being able to access different Xero files at the same time for example businesses that have different company files and require to be open simultaneously. It's difficult to have different web browsers open in order to access the different files. The time out of being logged in could be extended to an option of a full 12 hours throughout the day especially when reconciling accounts, it's quite annoying to have to log back in several times throughout the day.

What problems is Xero solving and how is that benefiting you?

Business cash flow reporting and the dashboard assists with understanding which invoices are outstanding and which bills payable.

Small Business (50 or fewer emp.)
Oct 26, 2023
 Source
Overall Rating:
3.5
JG
Jana G.
Founder
Share
"XERO program seems useful"
What do you like best about Xero?

My employer likes using Xero as it provides them with all of the functions & services they need to manage our employee database.

What do you dislike about Xero?

I find the website difficult to navigate on my phone

What problems is Xero solving and how is that benefiting you?

Employee payroll

Mid Market (51-1000 emp.)
Sep 28, 2023
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"User friendly"
What do you like best about Xero?

Apart of being user friendly, its feature is very simple to understand

What do you dislike about Xero?

There are some limitations in generating reports.

What problems is Xero solving and how is that benefiting you?

Simple and easy to use in generating reports

Small Business (50 or fewer emp.)
Sep 16, 2023
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Very user friendly for the non accountant"
What do you like best about Xero?

Easy to run reports intuitve from a book keeping poit of view integrates well with a number of other software

What do you dislike about Xero?

Multi currency does not work well You can not consolidate 2 xeros which makes group accounting impossible there are few basis steps in it that could be improved

What problems is Xero solving and how is that benefiting you?

Ability to show owners the finances in an understandable manner

Small Business (50 or fewer emp.)
Jul 03, 2023
 Source
Overall Rating:
3.5
AW
Alicia W.
Founder
Share
"Zero is a pretty good product"
What do you like best about Xero?

Xero has great reporting and easy to use and customise.

What do you dislike about Xero?

Xero really need to be more user friendly with their statements that are sent to customers to show aged amounts owing. Could also have better inventory and project management.

What problems is Xero solving and how is that benefiting you?

Xero has made life easier through bank feeds and automated reconciliation. The new automatic super payments has saved me time. The reporting features is easy to navigate and customise.

Small Business (50 or fewer emp.)
Nov 01, 2022
 Source
Overall Rating:
3.5
JS
Jeffrey S.
Founding Director
Share
"Decent Solution For Basic Needs But Price Jump To High For Multi-Currency Users"
What do you like best about Xero?

Simple Invoicing, Simple Bills, Reports are easy to customise however could be better managed through decent archives system rather than to re write the current report as default.

What do you dislike about Xero?

The inventory system is terrible and historical adjustments near impossible to manage without digging yourself a "never ending" hole of errors.

What problems is Xero solving and how is that benefiting you?

Bank reconciliation automation with bank riles are helpful. Multi-entity bank accounts do not appear to be a priority for group accounts. Forget integrating personal accounts.

Small Business (50 or fewer emp.)
Jul 27, 2022
 Source
Overall Rating:
3.5
Hilary K. avatar
Hilary K.
Accountant
Share
"Xero Review"
What do you like best about Xero?

Xero is simple to learn and use, it is one of the best cloud-based systems for small and medium enterprises but it lacks flexibility with the forms and modules customization

What do you dislike about Xero?

It is difficult to manage wet stock using the Xero system as it lacks the payroll and inventory module unless incorporated with some other stock management software

What problems is Xero solving and how is that benefiting you?

Bookkeeping Financial Reporting Financial Analysis

Mid Market (51-1000 emp.)
Feb 06, 2022
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Xero is user friendly and especially for user without accounting background"
What do you like best about Xero?

Customized reports and easy to use and filtre

What do you dislike about Xero?

some limitations e.g. tracking categories has limit and not fit our company use

What problems is Xero solving and how is that benefiting you?

We require prompt month-end closing and Xero can help us to generate accurate reports

Small Business (50 or fewer emp.)
Jan 16, 2022
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Good accounting for freelancers"
What do you like best about Xero?

Xero is simple to use. I may only use its most simple features, but it does them well. Passing on my accounts to my accountant is super easy.

What do you dislike about Xero?

Xero is a great package, but the base package seems expensive for solo people using it just for simple invoicing.

What problems is Xero solving and how is that benefiting you?

I use xero as a freelancer for invoicing and tracking payments.

Small Business (50 or fewer emp.)
Nov 30, 2021
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Xero for your Office"
What do you like best about Xero?

I do like how you can integrate other platforms in Xero, such as Accelo and Productive. It's relatively easy to use.

What do you dislike about Xero?

There are times when I cannot find an invoice, or it doesn't show me if an invoice was paid correctly. Also, I would like to receive notifications of past due invoices or expenses.

What problems is Xero solving and how is that benefiting you?

When I've entered in the same expense twice it doesn't recognize the same information. I do like their in app platform that allows me add receipts quickly by taking a picture of it. It captures the information very quickly and accurately.

Small Business (50 or fewer emp.)
Nov 29, 2021
 Source
Overall Rating:
3.5
Thomas C. avatar
Thomas C.
President And Owner
Share
"Xero is a beautiful way to do a vital function"
What do you like best about Xero?

The product provides a clean, easy user interface for nearly all tasks, and there is extensive online help. The tools around reconciliation are especially important, and these are particularly good.

What do you dislike about Xero?

The help articles are sometimes duplicative, sometimes contradict each other, and too often don't address my real issue. When I would get a reconciliation wrong and have to re-do it, while the interface was about as good as it could be, the knowledge to USE that interface would elude me -- and the articles did NOT help.

What problems is Xero solving and how is that benefiting you?

I needed an accounting system that would not drown me in details like QB, yet would have all the features I needed to do real accounting and not just bookkeeping. I want to create professional financial reports for my small business. Xero gives me what I need in an easy-to-use package.

Small Business (50 or fewer emp.)
Jul 08, 2021
 Source
Overall Rating:
3.5
BS
Brandon S.
President
Share
"Affordable Small Business Accounting"
What do you like best about Xero?

We've used Xero for several years, and overall I would say it's a solid solution for any small business. It's relatively easy to use, cloud-based, and you can automate many aspects of bank transactions like reconciliation.

What do you dislike about Xero?

While Xero is really good in many ways, there are some really basic things that it lacks, which is annoying. For example, if you create a batch payment (pay multiple bills at once), it will create a batch file, which you should be able to upload to your bank, and it will automatically create and pay the transactions. But the batch file they generate is not customizable, and therefore it does not work with many banks. Our company uses Chase Bank, which is a very large organization, and it does not meet its format requirements. Considering how many banks exist, I would think that customizing the file output would have been implemented long ago. Another example of basic functionality that is missing is bulk voiding or deleting of bill credits. For some reason, you cannot do this in bulk, which I find very odd.

What problems is Xero solving and how is that benefiting you?

Automating a lot of our day-to-day accounting and keeping our bank feeds in sync and reconciled.

Small Business (50 or fewer emp.)
Apr 15, 2021
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"My review on Xero"
What do you like best about Xero?

The ability it connecting seamlessly to other systems using rest API

What do you dislike about Xero?

Not much of a system that can integrate with Xero unless the system is built in house

What problems is Xero solving and how is that benefiting you?

We manage and generate an invoice to the customer using our service

Mid Market (51-1000 emp.)
Nov 26, 2020
 Source
Overall Rating:
3.5
Peter M. avatar
Peter M.
Audit And Accounts Senior
Share
"Great system but not the full package"
What do you like best about Xero?

Very simple to use and accessible anywhere. For a single company it is great and as an auditor very easy to track information and see client attached fules/

What do you dislike about Xero?

It feels a shame that you can not use it easily for groups. Post in one company and then the corresponding post occurs in that company. No stock module that works well for manufacturing

What problems is Xero solving and how is that benefiting you?

Allows for ability to access client accounting systems anywhere. Allows attachment of information to transactions.

Small Business (50 or fewer emp.)
Oct 06, 2020
 Source
Overall Rating:
3.5
Chaz P. avatar
Chaz P.
It Professional
Share
"Professional accounting system app"
What do you like best about Xero?

Xero is one of the most popular buisiness based account solutions. With a complex initial learning curve, this app allowed for online real time accounting and upto date paperless accounting. Such a time saver, a payroll service in an app.

What do you dislike about Xero?

The initial complexity is a bit of headache and unless for accounting trained you will struggle with the accounting terminology. Some the fields can be super small at times, so be prepared to stare hard at the small symbols.

What problems is Xero solving and how is that benefiting you?

Effextly a payroll for my company, so instead of a team of accountants, a course later and a few hours a weeks you are your own accounting and wages department. This app literally pays for itself.

Small Business (50 or fewer emp.)
Jun 23, 2020
 Source
Overall Rating:
3.5
Gaby S. avatar
Gaby S.
Owner And Principal
Share
"Xero review"
What do you like best about Xero?

clients find it easy to learn and collaborate easier

What do you dislike about Xero?

reporting is cranky, reconciliations are not completed and it is hard to do file diagnosis

What problems is Xero solving and how is that benefiting you?

a broader client base

Small Business (50 or fewer emp.)
Nov 06, 2019
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Xero Accounting Platform"
What do you like best about Xero?

It is super easy to use and logically laid out.

What do you dislike about Xero?

One company with multiple offices at different addresses - not possible. No option to add telephone number to the invoice. Cant add payment instruction to bottom of invoice either. Having issues integrating with our bank, might need to change.

What problems is Xero solving and how is that benefiting you?

I love the automatic reminders that can be set. It saves me heaps of time and works remarable well at bringing in outstanding funds

Small Business (50 or fewer emp.)
Oct 31, 2019
 Source
Overall Rating:
3.5
Sean P. avatar
Sean P.
Finance Manager
Share
"Xero review"
What do you like best about Xero?

I like how easy it is to upload receipts through the app

What do you dislike about Xero?

Sometimes there are errors when linking bank accounts

What problems is Xero solving and how is that benefiting you?

the ease of entering invoiced

Small Business (50 or fewer emp.)
Apr 05, 2019
 Source
Overall Rating:
3.5
Robert B. avatar
Robert B.
Managing Director
Share
"Great user interface but the API is challenging"
What do you like best about Xero?

Most accounting systems have an interface that makes it easy for the accounting staff to review and match transactions in bulk while Xero's interface makes it easy to run a business. I really like the sync between Xero and our bank account which makes reconsiliation a breeze.

What do you dislike about Xero?

We're a Saas developer and integrate our platform RunMags with Xero. From that perspective Xero is a bit of a challenge. The data structure and logic is not as well built (as of now) as Quickbooks or Fortnox. For someone considering Xero for their business this will unlikely be a problem, but for us it's a bit of a challenge :-)

What problems is Xero solving and how is that benefiting you?

We operate an office-less company with all employees working remotely whereever they may be for the time. I have never met our CPA, but we work together on the reconsiliation and once a year they close our books and report taxes. Very easy!

Small Business (50 or fewer emp.)
Nov 24, 2018
 Source
Overall Rating:
3.5
RV
Rodrigo V.
Gerente De Oficina
Share
"a software that handles the accounting part"
What do you like best about Xero?

for this company it is very rewarding to have this software because it has optimized our cash flow processes, this gives us a great support to the accounting part of our business, it is very practical to manage and easy to use, it has helped with constant monitoring of sales in online form. organizes our data and information of our payroll in an easy and effective way for the user.

What do you dislike about Xero?

we have noticed the shortcomings that it has, it lacks more features that serve as support for this software, the reminder of late payments should be in the recipient of the invoices, it does not show the amounts of the invoices due, lack more support in the support to the user.

What problems is Xero solving and how is that benefiting you?

Our appreciation of this software is that it has helped us in the optimization of sales monitoring in the company, it allows us to create an invoice, send it easily, saving time and paper for our company.

Mid Market (51-1000 emp.)
Nov 16, 2018
 Source
Overall Rating:
3.5
SD
Steven D.
Platform Director Saint Joseph Communications
Share
"Affordable Cloud Accounting Package"
What do you like best about Xero?

The cloud aspect to the software makes it really simple and easy to use.

What do you dislike about Xero?

The UX isn't great but I wouldn't say that it's an obstacle at all.

What problems is Xero solving and how is that benefiting you?

Balancing the books, tracking expenses, payout out commissions, etc.

Small Business (50 or fewer emp.)
Jul 20, 2018
 Source
Overall Rating:
3.5
MB
Michaela B.
Founder
Share
"Easy to use for new team. Good online cloud base"
What do you like best about Xero?

Xero is super user friendly with easy to understand options and reports. As well the fact that it is completely online make it much easier to access and share information

What do you dislike about Xero?

Since the software is more entry level it doesn't allow users as much freedom as a higher level accountant would like. It is hard to assign transactions between the banks and edit the incoming statement information. As well the site is hard to navigate sometimes and switching between pages is a big hassle, the website doesn't back tab and forward tab nicely.

What problems is Xero solving and how is that benefiting you?

We use the software for accounting and job cost tracking

Small Business (50 or fewer emp.)
Jun 28, 2018
 Source
Overall Rating:
3.5
JB
Jim B.
Founder
Share
"Very good finance software for small business"
What do you like best about Xero?

Ease of use, seamless integration with other finance-related apps.

What do you dislike about Xero?

Limitations. This software is really geared toward smaller businesses and users with a limited knowledge of accounting.

What problems is Xero solving and how is that benefiting you?

Easy-to-use finance software. For benefits, we have multiple people around the world using it, from the accountants in the US to the CEO of our parent company in Europe.

Small Business (50 or fewer emp.)
Feb 15, 2018
 Source
Overall Rating:
3.5
AL
Amy (Ye) L.
Founder
Share
"Review for Xero"
What do you like best about Xero?

It's an online software so you don't need to download and install anything. Also you can access the account anywhere and any time as long as you have internet access. It's easy to share data with customers and accountants as everything is shown online.

What do you dislike about Xero?

If the internet is slow, sometimes it's hard to open the website and it's hard to get to the website in some countries.

What problems is Xero solving and how is that benefiting you?

Accounting and management process can be solved using Xero. it's easy and fast to share up to date data with other people.

Small Business (50 or fewer emp.)
Jan 29, 2018
 Source
Overall Rating:
3.5
AH
Attorney Heather H.
Attorney And Counselor At Law
Share
"Good, would be great if integrated with bank"
What do you like best about Xero?

Easy to use and makes bookkeeping simple

What do you dislike about Xero?

Cannot automatically integrate with my bank so have to manually import bank statements

What problems is Xero solving and how is that benefiting you?

Bookkeeping, tax prep

Small Business (50 or fewer emp.)
Dec 12, 2017
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Xero is easy & intuitive"
What do you like best about Xero?

I started using Xero with little to no experience with managing my books. The software is easy to use, intuitive and well organized. Reports work well.

What do you dislike about Xero?

It can be challenging to customize reports without going through the tutorials.

What problems is Xero solving and how is that benefiting you?

Xero helps me see clearly where my business is at from day to day, financially.

Small Business (50 or fewer emp.)
Sep 05, 2017
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Great product"
What do you like best about Xero?

Easy to use. Can access it anywhere and Xero links with most bank making bank reconciliation fast and easy.

What do you dislike about Xero?

As an online software company, it is usual to have bugs when a new version is released. However, when Xero has bugs it changes things that can cause issues in your accounting system i.e. changing a customers invoice to GST INCL instead of EXCL etc. If you make changes to a repeating invoice, journal etc the notes give a time and a date but not what was changed. Help is only available through email which is fine most of the time but sometimes you do need someone to speak to.

What problems is Xero solving and how is that benefiting you?

Time-saving features like automated bank feeds

Small Business (50 or fewer emp.)
Jun 01, 2017
 Source
Overall Rating:
3.5
AG
Verified Reviewer
Founder
Share
"Easy Cloud Based Accounting"
What do you like best about Xero?

Setting up invoices and bills is incredibly easy. And the visual cues of its design are easy to follow

What do you dislike about Xero?

Some of the more intricate reporting commonly done in QB can be a little tricky to recreate exactly.

What problems is Xero solving and how is that benefiting you?

Different levels of management are able to see and edit specific components of accounts and invoices.

Small Business (50 or fewer emp.)
Jun 15, 2015
 Source
Overall Rating:
3.5
SD
Sarah D.
Owner, Certified Public Accountant
Share
"Xero is fine, but needs work"
What do you like best about Xero?

I prefer cloud-based accounting software like Xero because it allows me to interact easily with clients who aren't local. Xero is popular with my international clients and I was introduced to it through them. It was easy to learn and it's a nice looking package. Creating identifying rules was incredibly easy and Xero does a great job of recognizing transactions.

What do you dislike about Xero?

Xero focuses on automation. It works best if you link it directly with bank accounts, credit cards, etc. But many clients are wary of that kind of access and prefer to provide me with Excel spreadsheets. Xero requires multiple steps in order to convert an Excel spreadsheet into data that Xero can understand and import. I think that integration with Excel is a pretty basic requirement for accounting software and Xero hasn't provided it. Further more, manual entries are cumbersome. Xero forces you to do them one at a time, instead of providing a general ledger type of entry. I realize that these complaints are a little "old school" and Xero is focused more on moving away from out of date bookkeeping methods - but not all of my clients are ready for new technology. As a result, I tend not to recommend Xero to anyone unless they are ready for complete automation. Xero doesn't seem to make it easy for clients to grant direct access to their accountants. Most of my clients provide me with their actual login credentials. Actually, it does seem to be easy, just not obvious - Xero should work harder to make clients AND accountants aware of this feature. Xero requires that accountants endorse/sell Xero on their website in order to get free access. Quickbooks Online doesn't require this, and I think it discourages accountants from trying Xero.

What problems is Xero solving and how is that benefiting you?

Becoming knowledgeable about Xero has opened my firm up to an international client base. Xero continues to be unpopular with my US clients (who prefer Quickbooks), but is by far the preferred software among my clients outside of the United States.