Software price guides Accounting Xero
Last updated
Xero pricing in the UK
Xero has five UK plans, from Simple at £7 for sole traders and landlords not registered for VAT to Ultimate at £70. Each is a flat monthly fee, excluding VAT, with payroll charged per person and usage charged past each allowance.
Country
- Starting price
- £7/month
- Simple, GBP excl. VAT
- Pricing model
- Flat monthly plans
- Plus per-person payroll and usage charges
- Billing
- Monthly only
- No annual option
- Tax
- VAT excluded
- Prices in GBP; add 20% VAT
- YOY change
- ↑ 8%
- Average yearly rise, 4 plans
- Last updated
- 12 Oct 2026
How much does Xero cost in the UK?
Plans
Five plans, billed monthly, VAT excluded.
| Plan | Monthly | Who it is for | Key limits |
|---|---|---|---|
| Simple | £7 | For non-VAT registered businesses, help with basic accounting, including MTD for Income Tax. | Key limits
|
| Ignite | £18 | An easy financial foundation, track cash flow with the essentials. | Key limits
|
| Grow | £39 | Go beyond the basics, automate tasks and access performance dashboards. | Key limits
|
| Comprehensive | £55 | Optimise profitability, tailor your insights for greater control. | Key limits
|
| Ultimate | £70 | Future proof your scaling business, with advanced tools and analytics. | Key limits
|
Additional costs
Costs on top of the plan price.
| Cost | Price | Source |
|---|---|---|
| VAT | 20% on top of every priceAdded to every charge | |
| Payroll past the plan's included people | £1.50 on Ignite, Grow and Comprehensive; £1 on UltimatePer person, monthly, up to 200 | |
| Expense claimers past the allowance | £2.50 eachPer active user, monthly | |
| Project users past 10 | £5 eachPer active user, monthly, Ultimate only | |
| Bill and payroll payments past the allowance | £0.20 each; none included on IgnitePer payment; one shared allowance, no rollover | |
| Bill payments by credit or debit card | 2.9%, minimum £2.50Per payment, outside the allowance | |
| International bill payments | 0.35% plus the bank transfer costPer payment, Comprehensive and Ultimate only | |
| Auto-reconcile on Simple or Ignite | £3.50 a monthOptional, monthly; included on Grow and above | |
| Contractor CIS returns | £5 a monthOptional, monthly; not on Simple | |
| Company accounts and tax | £120 a yearOptional, billed yearly; not on Simple | |
| Card payments on invoices (Stripe) | 1.5% + £0.20 standard UK cards; 1.9% + £0.20 premium UK; 2.5% + £0.20 EEA; 3.25% + £0.20 international; plus 2% for currency conversionPer transaction | |
| Pay by Bank on invoices (Stripe) | 0.5% + £0.20, capped at £5Per transaction | |
| Stripe Instant Payouts | 1%, minimum £0.40Per payout | |
| Tap to Pay in person (Stripe) | 1.4% + £0.20 UK and EEA cards; 2.9% + £0.20 othersPer transaction | |
| Direct Debit on invoices (GoCardless) | 1% + £0.20, capped at £4, plus 0.3% over £2,000Per transaction, charged by GoCardless | |
| Simple invoice limit | 10 a month, then Ignite at £18Hard cap on invoices | |
| Ignite invoice and bill limits | 20 invoices and 10 bills a month, then Grow at £39Hard cap | |
| Chargeable direct bank feeds | Not publicly listedPassed on by some UK banks, monthly in arrears | |
| Each additional organisation | Full plan price; multi-organisation discount ended 1 September 2026Separate subscription | |
| Downgrading | No feeLocked for 1 month after an upgrade | |
| Cancelling | Up to one more month of feesOne month's notice; no refunds |
Xero cost calculator
Enter your numbers to price every plan. Estimates in GBP, excluding VAT.
Your numbers
Plan
Estimated cost, Grow
£49a month
- Per year, billed monthly
- £582
- First 6 months, 90% off
- £13 a month
- First year with the offer
- £371
Line items, monthly
- Grow subscription
- £39
- 4 extra people paid at £1.50 each
- £6
- 1 extra expense claimer at £2.50 each
- £2.50
- 5 extra payments at £0.20 each
- £1
- Estimated monthly total
- £49
Estimated, GBP, excluding VAT. Offer: New customer offer, 90% off.
What Xero costs by company size
Estimated cost by number of employees, using the cheapest plan that fits each end of the band.
| Employees | Plans | Monthly cost | Annual cost | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 to 10 | Ignite to Grow | £20 to £60 | £20 | to | £60 | £234 to £714 | £234 | to | £714 | |||
| 11 to 50 | Grow to Ultimate | £58 to £113 | £58 | to | £113 | £690 to £1,356 | £690 | to | £1,356 | |||
| 51 to 200 | Ultimate | £114 to £332 | £114 | to | £332 | £1,368 to £3,978 | £1,368 | to | £3,978 | |||
| 201 to 500 | No plan fits | |||||||||||
Xero discount codes and offers
Current Xero offers in the UK, checked 12 October 2026.
-
New customer offer
90% off the base plan for 6 months
Code DC9062619UK
First organisation on xero.com; any plan; excludes add-ons, usage and payment fees
-
One month free
First month free on any plan
New purchases; alternative to the 90% offer
-
Monzo Business Pro and Team
100% off for 6 months on Pro, 8 months on Team
Via Monzo
New Xero customers; UK sole traders or limited company directors; Ignite to Ultimate; until 31 May 2027
-
HSBC UK business card holders
90% off for 6 months
Verified by card number
HSBC Business Debit or Commercial Card holders; new Ignite to Ultimate subscription; one per customer; not via accountants; until 31 March 2027
-
Virgin Money business current account
100% off for 6 months
Business current account holders; Simple to Ultimate; one per customer
-
Lloyds Bank new business account
6 months free on the plan of your choice
Open a new Lloyds Business Account by 15 October
-
Revolut Pro Perks
6 months of Simple, or Ignite on paid tiers
Via the Revolut app
Revolut Pro users; Ignite only on Premium, Metal or Ultra plans
-
Not-for-profit discount
25% off business plans
Registered not-for-profits, once Xero confirms status
-
Through an accountant or bookkeeper
Partner pricing; size not published
Clients of Bronze partners and above; not on Simple or Xero Ledger
How to negotiate Xero's price
Xero does not advertise negotiated deals, so these levers come from how it charges, ranked by likely saving.
| Rank | Lever | How it works | What it can save |
|---|---|---|---|
| [01] | Start through a bank offer | Monzo gives 100% off for 6 months (8 on Team) and Virgin Money 100% off for 6 months, against 90% off for 6 months with Xero's own code. | Up to the full base price for 6 to 8 months |
| [02] | Pick the plan for your payroll headcount | Comprehensive (£55, 5 people, then £1.50 each) and Ultimate (£70, 10 people, then £1 each) cost the same at 25 people paid. Above that, Ultimate is cheaper. | Up to £0.50 per person a month past 25 people |
| [03] | Use Simple if you are not VAT registered | Simple at £7 covers MTD for Income Tax but not VAT returns, payroll or bills. If that is all you need, skip Ignite at £18. | £11 a month |
| [04] | Consolidate organisations | Each organisation is a separate subscription, with no multi-organisation discount since 1 September 2026. Merge entities that do not need separate books. | A full plan price per organisation removed |
| [05] | Steer customers to cheaper payment methods | Cards start at 1.5% + £0.20. Pay by Bank is 0.5% + £0.20, capped at £5; GoCardless 1% + £0.20, capped at £4; bank transfer is free in Xero. | Up to 1% of every card-paid invoice |
| [06] | Keep payments inside the shared allowance | Bill and payroll payments share 5, 10 or 15 free a month, then £0.20 each. Weekly payroll can use it up; a batch to one supplier counts as one. | £0.20 per payment |
| [07] | Prune users each month | Expense and project users are charged per active user. Remove people who have left or no longer claim. | £2.50 per expense user, £5 per project user, a month |
| [08] | Buy through your accountant | Bronze partners and above get discounts on client plans, except Simple. Ask what they pay and whether they will bill Xero for you. | Not published |
| [09] | Use the price rise as the review date | The 1 September increase is announced weeks ahead. With monthly billing, that is the time to compare or ask for a better rate. | Leverage only |
Xero price history
Monthly list prices over the last two years, excluding VAT. Pick a plan, or hover for each change.
Show
Key points
- Ultimate moved most: +19%, £59 to £70.
- Average across 4 plans: +17% since Oct 2024.
- Last change: 1 Sept 2026.
What people say about Xero pricing
What people in the UK said in public about Xero's pricing in the last six months.
78%
Mostly negative
- Positive 3 of 45
- Neutral 7 of 45
- Negative 35 of 45
35 of 45 public comments from UK Xero customers and accountants in the last six months are negative, 7 neutral and 3 positive. Most object to rises well above inflation since the 2024 plan change, several saying their bill has doubled or tripled.
- LinkedIn.com negative This UK Xero customer lists his plan rising from £28 a month in 2019 to £55 in 2026, says he feels betrayed and is starting to move to another package. Alvaro Sanmartin Cid (opens the original on LinkedIn.com)
- Trustpilot.com negative This UK Xero customer of 11 years says multi-currency now needs a £55 plan against the £31 they first paid, calls the timed rises close to anti-competitive and plans to leave in April 2027. Chris Holden (opens the original on Trustpilot.com)
- Trustpilot.com negative This UK Xero customer admits the software works well but gives one star for frequent above-inflation rises and says they feel stuck with it. NJT (opens the original on Trustpilot.com)
- Trustpilot.com negative This UK Xero customer paying over £60 a month says constant rises and upsells have turned him from fan to someone who hates logging in. Matthew Lovett (opens the original on Trustpilot.com)
- Trustpilot.com negative This UK Xero customer says the price has more than doubled while support has shrunk, and he will move his businesses off it. Peter Dingle (opens the original on Trustpilot.com)
- Trustpilot.com negative This UK Xero customer since 2019 says the monthly cost has gone from £28 to £39 a 35% increase, with extra services pushed on top. Kate Robinson (opens the original on Trustpilot.com)
- Trustpilot.com neutral This UK Xero customer says it does what she needs but at a steep price, and her bank account now covers the same needs. Anne Davis (opens the original on Trustpilot.com)
- Trustpilot.com positive This UK Xero customer finds it much better value for money than their previous accounts package. R Vaughan (opens the original on Trustpilot.com)
Xero alternatives
Other tools in our price guides for the UK, largest first by market share.
| Vendor | Starting price | Pricing model | Key difference | |
|---|---|---|---|---|
| Sage | £20 a month (Sage Accounting Start) | Flat monthly plans with user caps (Sage Accounting), user and company bands (Sage 50), plus per-employee payroll | Two products: Sage Accounting in the cloud and Sage 50 on the desktop | Price guides |
| QuickBooks | £10 a month (Sole Trader Plus) | Flat monthly plans capped by users, payroll base fee plus per employee | Each tier caps users; payroll is a base fee plus per employee | Price guides |
| FreeAgent | £10 a month (Landlord) | One plan priced by business type, free with a NatWest Group business account | Free with a NatWest Group business account | Price guides |
| Zoho Books | Free plan; paid from £12 a month (Standard) | Flat price per organisation, plus extra users and add-ons | Extra users £2.50 each a month | Price guides |
| FreshBooks | £16 a month (Lite) | Flat monthly plans capped by billable clients, plus £8 per extra team member | Tiers capped by billable clients; team members £8 each a month | Price guides |
Xero pricing questions
£7 to £70 a month, excluding VAT: Simple £7, Ignite £18, Grow £39, Comprehensive £55 and Ultimate £70. Payroll, extra users and payments past each allowance cost extra.
No. Prices are in GBP and exclude 20% VAT. With VAT, Ignite is £22 a month and Ultimate £84.
From 1 September 2026, Ignite rose from £16 to £18, Grow from £37 to £39, Comprehensive from £50 to £55 and Ultimate from £65 to £70. Simple stayed at £7, and the multi-organisation discount ended.
Yes. Ignite charges £1.50 per person; Grow includes 1 and Comprehensive 5, then £1.50 each; Ultimate includes 10, then £1 each, up to 200. Simple has no payroll.
Every plan covers MTD for Income Tax, including Simple at £7. MTD VAT returns need Ignite or above.
No. Xero bills monthly. The only yearly charge is the optional company accounts and tax add-on, £120 excluding VAT.
Yes. DC9062619UK gives new customers 90% off the base plan for 6 months. Monzo Business and Virgin Money customers can get 6 months free instead; offers cannot be combined.
Yes. Registered not-for-profits get 25% off once Xero confirms their status.
Xero pricing sources and methodology
From Xero's UK pricing pages on 12 October 2026. Where sources disagree, Xero's own page wins.
Estimates from list prices, excluding VAT, before payment fees.
Archived copies of Xero's pricing pages from October 2024 to October 2026, plus Xero's announcements. Standard prices, no promotions.
Drawn from how Xero charges, not from records of negotiated deals.
Ordered by Ensurva's estimate of each vendor's share of business customers in this country, from surveys, vendor customer counts, government software registers and review volume. Only tools with their own Ensurva price guide are listed.
Public comments from April to October 2026 by identifiably UK authors, marked positive, negative or neutral. Cards show confirmed customers only.
Checked monthly. The date at the top is the last check.
- Xero UK pricing plans 12 Oct 2026
- Xero UK Simple plan 12 Oct 2026
- Xero UK Ignite plan 12 Oct 2026
- Xero UK Grow plan 12 Oct 2026
- Xero UK Comprehensive plan 12 Oct 2026
- Xero UK Ultimate plan 12 Oct 2026
- Xero UK pricing update, September 2026 12 Oct 2026
- Xero UK online bill and payroll payment fees 12 Oct 2026
- Xero Stripe fees 12 Oct 2026
- Xero UK company accounts and tax 12 Oct 2026
- Xero UK payroll 12 Oct 2026
- Xero UK new plans 12 Oct 2026
- Xero UK old and new plan comparison (PDF, prices from 1 September 2025) 12 Oct 2026
- Xero blog: Introducing Xero Simple (February 2025) 12 Oct 2026
- Xero UK terms of use 12 Oct 2026
- Xero UK not-for-profit 12 Oct 2026
- Xero UK partner programme 12 Oct 2026
- Monzo Xero offer 12 Oct 2026
- HSBC UK Xero offer 12 Oct 2026
- Virgin Money accountancy package 12 Oct 2026
- Lloyds Bank business account 12 Oct 2026
- Revolut Xero terms 12 Oct 2026
- GoCardless pricing 12 Oct 2026
- FreshBooks UK pricing 12 Oct 2026
- QuickBooks UK pricing 12 Oct 2026
- Zoho Books UK pricing 12 Oct 2026
- Wayback Machine snapshots of xero.com/uk/pricing-plans 12 Oct 2026
Estimates from published list prices on 12 October 2026. Check Xero's own pricing page before buying. Ensurva is not affiliated with Xero.