Xero Reviews & Product Details

The program is quite robust, especially compared to the previous accounting software I was using. My accountant introduced it to me, and I can certainly see why they love it as much as they do. I typically log in 1-2 times a month to review my spending. I love how easy it is to track my receipts, spending, etc. Now that I reconcile my own books each month, the Hubdoc feature is especially helpful for matching my receipts to my spending. I also like how easy it is to integrate my credit cards so I don't have to worry about importing those transactions. I use a small, local credit union for banking, and though I do have to manually import transactions from those accounts via CSV files, it's VERY easy to do so and doesn't take much time at all. Xero's customer support is great and has been helpful when needed. Overall it's been a great tool on the accounting side of my small business. Review collected by and hosted on G2.com.

Though I've certainly become more familiar with the program, I don't feel that it's intuitive, especially if you're not familiar with reconciling transations. Review collected by and hosted on G2.com.

It has a good easy to use interface and all the functions are easy to find. It has a good help system to get you through using those features that are not so obvious. The import bills functions by email is really useful for me and saves a lot of time over manually entering data. Review collected by and hosted on G2.com.

I have to spend a bit of time keeping the customer and supplier lists up to date. One downside of the bills import feature is that you can end up with two entries for suppliers if the name isn't recognised fully during the import. The merge feature that you use once this has happened to consolidate the records isn't the most intuitive and you can easily merge the records the wrong way. Review collected by and hosted on G2.com.

I like how easy it is to use and how often we can rely on it. It’s a familiar tool with all the necessary features we require. It integrates seamlessly with the other services we use, like our banks. It also offers good automation options. I’ve always had a great, quick response from customer support. Review collected by and hosted on G2.com.

To be honest, the UI could be better, as could the API endpoints and the options for using Xero through custom applications we build for our in-house needs. Hubdoc also needs additional recognition improvements, along with more rules or templates to help classify documents and automatically fill in the relevant fields. For Xero in general, I’d like to see improved graphs and more visualisation options. Review collected by and hosted on G2.com.

Xero is great of how simple it makes invoicing and tracking payments. I can create and send invoices right from the platform, and clients can pay through paypal, which fit well with how i alreday run things. Matching payments to invoices is easy straightforward and i really appreciate having all my subscription and monthly expenses in one spot. The built in reports are also helpful they give me a fast snapshot of how business is doing without me having to build a bunch of spredsheeta from scratch. Review collected by and hosted on G2.com.

It took a bit initial effort to configure everything correctly, but once it was all set up, it became much more intutive to use. Review collected by and hosted on G2.com.

I run a small SEO agency in Melbourne and use Xero mainly for invoicing clients, reconciling payments, and keeping an eye on cash flow. For day-to-day billing, it works well. I’ve set up repeating invoices for my monthly SEO retainers, and that saves me time. The dashboard gives me a quick snapshot of what’s coming in and what’s overdue, which helps when managing multiple client accounts. Reporting is clear enough for me to review performance before speaking with my accountant. Review collected by and hosted on G2.com.

I recently tried setting up my bank feed and the website crashed many times within a week. That was frustrating, especially when you’re trying to get your accounts properly connected. I’ve also had to use workarounds for PayPal instead of it flowing as smoothly as I expected. I wish Bank Feeds for Payoneer. Review collected by and hosted on G2.com.

I use Xero for my freelance graphic design business, and it’s made invoicing and payments much easier to manage. I create and send invoices directly from Xero and let clients pay through PayPal, which works well for my workflow. When payments come in, I reconcile them against invoices and keep everything organized in one place. I also track my software subscriptions and run basic reports to see where I stand each month. Review collected by and hosted on G2.com.

I haven’t had any major issues. There was a small learning curve at first, mainly around understanding some accounting terms and setting up categories properly, but once it was set up, it’s been straightforward. Review collected by and hosted on G2.com.

I’m a freelance full-stack developer and used to track everything in spreadsheets. After about a year with Xero, I can’t imagine going back. I use it mainly for creating and sending invoices, reconciling bank transactions, and tracking expenses.

I’ve connected Stripe and PayPal so clients can pay directly from the invoice, which has definitely sped up payments. The bank feed pulls in transactions daily, and I usually spend a few minutes matching payments and categorizing expenses like software subscriptions or hosting. It’s way more organized than my old manual setup. I also check the Profit & Loss report every month to see how things are trending. Review collected by and hosted on G2.com.

Some of the accounting terms still feel a bit heavy. Setting things up the way my accountant wanted took some trial and error. Occasionally, the reconciliation suggestions aren’t perfect, especially with partial payments, so I have to double-check. Review collected by and hosted on G2.com.

I’ve been using Xero for about two years now after managing everything in Excel. As a restaurant owner in Frankfurt, I don’t have time to constantly fix spreadsheets. The bank reconciliation is what I use most. I connected our business account, and matching card payments, supplier debits, and wine deliveries against invoices is much quicker than before.

I also create invoices for private tastings and corporate dinners. Duplicating old invoices and adjusting quantities saves time. The monthly profit and loss report helps me quickly see how food and beverage margins are performing, which matters a lot in my business. Review collected by and hosted on G2.com.

Setting up German VAT rates took some effort, especially with different rates for food and drinks. I had to review everything with my tax advisor. Also, inventory tracking isn’t really suitable for restaurant stock, so we handle that separately. Review collected by and hosted on G2.com.

Xero is easier for people without bookkeeping experience to understand and use than other solutions while still adhering to accounting standards. They also offer free training to make it easier to use more effectively as your understanding grows. Review collected by and hosted on G2.com.

When using Xero with multiple clients, it's sometimes difficult to find where to access clients that you haven't touched in a while. This is a very minor issue and one that won't affect users that are using Xero for their own business. Review collected by and hosted on G2.com.

The most impressive part of Xero’s recent evolution is how it has shifted from a reactive ledger to a proactive management tool. The integration of JAX (Just Ask Xero) is not just a gimmick; it has significantly reduced the time I spend running manual reports. Being able to ask for a "quick breakdown of revenue by service line" and getting a formatted visual in seconds is a massive productivity win.

Additionally, the automated bank reconciliation continues to be the gold standard. In 2026, the AI's ability to recognize intent—predicting account codes for complex transactions based on historical patterns rather than just simple rules—has cut our month-end closing time by nearly 30%. It feels less like data entry and more like data verification. Review collected by and hosted on G2.com.

While the core platform is excellent, the tier-based feature gating can still be frustrating. For example, needing a higher-tier plan or a third-party app just for advanced inventory or multi-warehouse tracking feels like a bit of a leap for mid-sized businesses. I also think the user interface consistency needs work. While the new dashboard and reporting sections are sleek and modern, navigating back into the deeper settings or the Chart of Accounts feels like stepping back five years. A unified design language across the entire platform would make the user experience much smoother. Review collected by and hosted on G2.com.