BILL vs Xero
Verified ratings, feature by feature comparison and real pricing. Everything a North American business needs to pick between these two.
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Ratings
Every score, at a glance
Verified user ratings across every dimension. BILL against Xero, nothing weighted.
Dimensions won
05BILL 0, Xero 5
BILL vs Xero, across 5 rating dimensions
Widest rating gap
+1.8
Xero leads on value for money
Verified reviews
425
231 for BILL, 194 for Xero
231 verified reviews
Xero194 verified reviews
Ratings by dimension
- BILL
- Xero
Share of verified reviews
Which product reviewers actually write about.
- BILL231
- Xero194
Cost to get started
Cheapest paid plan, shown per month.
Xero is the cheaper way in. Lower is not automatically better, so weigh it against the ratings above.
Head to head
Where each one wins
Row by row, with the stronger score highlighted. Straight from verified reviews.
| BILL | Xero | |
|---|---|---|
| Overall rating | 3.7 | 4.5 |
| Reviews | 231 | 194 |
| Ease of use | 3.5 | 4.7 |
| Value for money | 2.8 | 4.6 |
| Customer service | 3.2 | 4.1 |
| Functionality | 4.2 | 4.5 |
| Starting price | $49/mo | $20/mo |
| Free trial | Yes | Yes |
| Free version | No | No |
Features
Feature by feature, checked off
Everything each product ships, side by side. No marketing gloss.
| Feature | BILL | Xero |
|---|---|---|
| Centralized inbox for vendor invoices | ||
| Approval routing with a full audit trail | ||
| ACH, card, check and virtual card payments | ||
| Two way sync with major accounting platforms | ||
| Automatic invoice coding | ||
| Accounts receivable with auto charge | ||
| W-9 collection and 1099 preparation support | ||
| Vendor payment network | ||
| Purchase order matching on Enterprise | ||
| Mobile approval for managers | ||
| Unlimited users on every plan | ||
| Automated bank feeds | ||
| Side by side reconciliation | ||
| Invoicing and online payments | ||
| GST/HST returns for CRA | ||
| Sales tax via Avalara | ||
| Project tracking | ||
| Expense claims | ||
| Multi currency | ||
| Inventory | ||
| Fixed asset register | ||
| Full audit trail | ||
| Accountant tools |
Pricing
Both price lists, side by side
Every plan from both vendors, side by side, priced in US dollars.
BILL plans
Essentials
Per user. Accounts payable or receivable with standard approvals.
$49/mo
per month
- 49 dollars per user per month
- Approval workflows
- ACH, card and check payments
- Centralized invoice inbox
- W-9 collection
- CSV export to accounting
Team
Per user. Adds two way sync with QuickBooks and Xero.
$65/mo
per month
- 65 dollars per user per month
- Two way QuickBooks and Xero sync
- Custom user roles
- Flexible invoice tracking
- Everything in Essentials
Corporate
Per user. Sync with NetSuite, Intacct and Dynamics, plus API access.
$89/mo
per month
- 89 dollars per user per month
- NetSuite, Sage Intacct and Dynamics sync
- Custom approval policies
- Procurement capability
- API access
- Discounted approver only seats
Enterprise
Quoted. Multi entity accounting and purchase order matching.
Custom
quoted by the vendor
- Custom pricing
- Multi entity accounting
- Automatic purchase order matching
- Dual control
- Priority support
Get current pricing
These are list prices and vendors adjust them from time to time. Check with BILL for the figure you will actually pay.
Xero plans
Early
Capped at 20 invoices and 5 bills a month. Genuinely small.
$20/mo
per month
- 20 invoices per month
- 5 bills per month
- Bank reconciliation
- Unlimited users
- Short term cash flow
Growing
Uncapped invoicing. Where almost everyone actually starts.
$47/mo
per month
- Unlimited invoices and bills
- Bank reconciliation
- Unlimited users
- Bulk transaction reconcile
- Short term cash flow
Established
Adds multi currency, projects and expense claims.
$80/mo
per month
- Everything in Growing
- Multi currency
- Project tracking
- Expense claims
- Advanced analytics
Get current pricing
These are list prices and vendors adjust them from time to time. Check with Xero Limited for the figure you will actually pay.