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Xero vs FreshBooks

FreshBooks sells Lite, Plus and Premium plans on its Australian pricing page, and Xero starts at Ignite. The two vendors draw the line between plans in different places, most of all around bank reconciliation.

  • By Book Keeping Pros
  • Sources checked 15 Oct 2026

Where Xero and FreshBooks differ

  • Xero includes bank reconciliation from Ignite. FreshBooks lists it from the Plus plan, although Lite already imports bank transactions automatically.
  • Xero says it charges no per-user licence fees. FreshBooks sells extra team members as an add-on, charged per user.
  • FreshBooks gives your accountant access from the Plus plan. Xero's pricing page does not mention access for your accountant.
  • Multiple currencies come with Xero's Comprehensive plan. FreshBooks' Australian pricing page does not list them.

What the Xero and FreshBooks pages list

From Xero's and FreshBooks' Australian pricing pages, at the regular monthly price rather than any introductory offer. Xero states its prices are in AUD and include GST. FreshBooks shows its prices in AUD per month.
Plan detailXeroFreshBooks
Ignite or Lite plan, per month after any offer$37$29
Users and user chargesNo per-user licence feesExtra team members are an add-on, charged per user
Bank reconciliationIgnite plan and upPlus plan and up
Bank transactions imported automaticallyBank feeds are not listed by plan on its pageLite plan and up
Access for your accountantNot mentioned on its Australian pricing pagePlus plan and up
Multiple currenciesComprehensive plan and upNot listed on its Australian pricing page

Source: Xero Limited, Pricing plans (Australia); 2NDSITE Inc., FreshBooks pricing (Australia). Checked 15 Oct 2026.

General information

FreshBooks and Xero both advertise introductory prices for new customers, which the table leaves out. This is general information taken from each vendor's own page on the date shown, not a view on which suits your business; look at both pages again before you buy. Sources checked 15 October 2026.

Sources

  1. Pricing plans (Australia)

    Xero Limited. Current at 15 October 2026, released 15 October 2026. Checked 15 October 2026.

    Xero is a trademark of Xero Limited. Licence: Xero terms of use (facts quoted with attribution, no endorsement implied).

  2. FreshBooks pricing (Australia)

    2NDSITE Inc.. Current at 15 October 2026, released 29 September 2026. Checked 15 October 2026.

    FreshBooks is a trademark of 2NDSITE Inc. Licence: FreshBooks terms of service (facts quoted with attribution, no endorsement implied).

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