Exact Online vs Moneybird (2026): which should you pick?
As of Nov 13, 2026, Moneybird grades higher than Exact Online: 2.4 against 2.2 out of 4.0.
Checked Nov 12, 2026 and Nov 13, 2026 · graded Nov 12, 2026 and Nov 13, 2026 by ToolGPA
Moneybird grades higher on value for money. They get the same grade on the free plan, features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Exact Online
Dutch cloud accounting with bank feeds, VAT filing and AI agents
Moneybird
Online accounting for freelancers and small businesses in Europe
Which one is for you
Pick Exact Online if
- Fits if you run a small Dutch company and want VAT returns and bank links in one place
- Makes sense if your accountant already works in Exact
Look elsewhere if
- Pricey if you are one person: €49 a month for 1 user and 25 sales invoices
- Tight if you need unlimited bank links or debtor follow-up, which start on the €99 plan
- Watch out: documents past the 3 included each month cost €0.39 to €0.50 each
- Watch out: the pricing page is Dutch, quoted in euros, and doesn't say whether VAT is included
- Skip it if you want a free plan, because there is only a trial
Pick Moneybird if
- Fits if you're a Dutch or European freelancer who wants VAT returns filed electronically
- Works for online shops that connect Shopify or bol.com
Look elsewhere if
- Tight if you're on Compact: 1 invoice a month, 5 processed bank transactions and no VAT return
- Watch out: each sales invoice over your limit costs €0.15
- Watch out: iDEAL costs €0.29 a payment and cards 1% to 5%, and bank connections add small charges
- Watch out: the pricing page doesn't say which countries it serves
How we grade them
| 2.2GPAExact OnlineFair | 2.4GPAMoneybirdFair | |
|---|---|---|
| Value for money | D€49 a month is the entry price, well above the $20 the category's middle plan costs, and it caps you at 1 user and 25 sales invoices. Bank links, debtor follow-up and unlimited invoices sit on €99 and up. | C€3 a month for Compact, €15 for Start and €29 for Growth, billed yearly. Compact allows 1 invoice a month and no VAT return, and fees add on, so a working plan costs about the middle. |
| Free plan and trial | CA 30-day free trial, which is long enough to try it. The listing does not say whether a card is needed, and there is no free plan. | CA 60-day free trial with the Complete plan's features, no obligation. No free plan. |
| Features | BPurchase and sales invoices, bank connections, VAT and ICP returns, automatic invoice processing and accountant access. The listing shows no missing piece in the core bookkeeping. | BInvoices, purchase invoices, bank connections, bookkeeping, VAT returns and timesheets. The listing's limits are volumes and fees, not missing features. |
| Ease of use | CNo store rating on record, and you connect bank accounts and set up an administration before it is useful. | CNo store rating on record. You'll link a bank and set up your contacts and products first. |
| Platforms and integrations | BWeb, iPhone and Android apps and accountant collaboration. No integration list or API is shown. | BWeb, iPhone and Android, with Shopify, Magento 2, PrestaShop, Lightspeed and bol.com. |
| Best for | Dutch small-business bookkeeping and VAT | freelancers wanting European online accounting |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Exact Online and Moneybird. How we grade
Price against what you get
Exact Online starts at about $54.74 a month and scores 2.7 out of 4 on features, ease of use and platforms. Moneybird starts at about $3.35 a month and scores 2.7.
They score the same, and Moneybird starts $51.39 a month lower. Of the other accounting and invoicing tools on the chart, 7 score higher than Exact Online for less, and 1 scores higher than Moneybird for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Exact Online also covers reports and dashboards.
- Moneybird also covers time tracking, expense tracking and quotes and estimates.
At a glance
| Exact Online | Moneybird | |
|---|---|---|
| Pricing | Free trial | Free trial |
| Starts at | €49 per month for 1 user and 1 administration | €3 per month, billed yearly (€4 billed monthly) |
| Free plan | None | None |
| Free trial | 30-day free trial | 60-day free trial with the Complete plan's features, no obligation |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Exact | Moneybird B.V. |
| Price read from | exact.com | moneybird.com |
| Checked | Nov 13, 2026 | Nov 12, 2026 |
Worth knowing
Exact Online
- Prices were read from the Dutch pricing page in euros; the page does not say whether VAT is included.
- Essentials allows one user and one administration and cannot be extended.
- Processing beyond the 3 included documents a month is charged: €0.39 each inside a bundle, €0.50 outside it.
Moneybird
- Monthly invoice limits apply; beyond them each extra sales invoice costs €0.15.
- Online payments carry fees, for example €0.29 for iDEAL and 1% to 5% for cards, with a 16 cent minimum on variable fees.
- Bank connections add small charges, such as €0.03 per payment record and €1.00 to initiate a payment.
- The site is offered in English, Dutch, German and French; the pricing page does not list which countries it serves.
Key features
Exact Online
- Bookkeeping and VAT
- Purchase and sales ledgers with automatic matching of invoices to bank statements, and digital VAT and ICP returns.
- Bank connections
- One bank link on Essentials, five on Plus and unlimited on Professional and Premium.
- Automatic invoice processing
- Incoming and outgoing invoices, PDFs, scans and receipts can be read automatically; the first 3 documents a month are included.
- AI agents for debtors and anomalies
- A debtor agent follows up unpaid invoices from Plus, and anomaly detection starts at Professional.
- Accountant collaboration
- Users share tasks, documents and roles in one administration, and an accountant can work in the same books.
- Mobile app
- A free mobile app for smartphone and tablet is available for iOS and Android.
Moneybird
- Invoices and quotes
- Send sales invoices and quotes, set recurring invoices and automatic reminders, and send through Peppol or collect by SEPA direct debit.
- Purchase invoices and receipts
- Scan receipts with the app, process UBL invoices and receive invoices through Peppol. Smart document processing is capped at 3 on Compact.
- Bank connections
- Link bank accounts from 1,700+ European banks and match the transactions. How many accounts and transactions depends on the plan.
- Bookkeeping and VAT returns
- Reports, ledger accounts and asset depreciation are included. Electronic VAT returns and ICP returns can be filed from Moneybird on Start and above.
- Timesheets and online sales
- Record billable hours and turn them into invoices, and take payments through a payment link or recurring subscriptions.
Plans
Exact Online
Essentials€49
per month: 1 user, 1 administration, 25 sales invoices
Purchase and sales invoices, 1 bank link, VAT and ICP returns. Users and administrations cannot be added.
Plus€99
per month: 2 users, 2 administrations, 100 sales invoices
Adds 5 bank links, debtor follow-up agent, fixed assets and invoice approval. Extra user €23, extra administration €20 a month.
Professional€159
per month: 2 users, 2 administrations, unlimited invoices
Unlimited bank links; adds current-account postings, recurring invoice templates, anomaly flags. Extra user €23, administration €21.
Premium€299
per month: 2 users, 2 administrations, unlimited invoices
Adds multi-company support, period and year-end close and Power BI. Extra user €49, extra administration €38 a month.
Moneybird
Compact€3
per month, billed yearly (€4 billed monthly)
1 user and 1 sales invoice a month, 5 processed bank transactions, no linked bank account or VAT return.
Start€15
per month, billed yearly (€18 billed monthly)
1 user, 200 sales invoices a month, 20 processed bank transactions and electronic VAT returns.
Growth€29
per month, billed yearly (€35 billed monthly)
5 users, 500 sales invoices a month, 5 linked bank accounts and 50 processed transactions.
Complete€41
per month, billed yearly (€49 billed monthly)
Unlimited users, linked bank accounts and transactions, and 1,000 sales invoices a month.
Ways to pay less
Exact Online
No public discounts listed.
Moneybird
- Annual discount
At least 16% off with yearly billing
The pricing page shows the yearly-billed price per month and the saving per year, from €12 on Compact to €96 on Complete.
Common questions
Which is cheaper, Exact Online or Moneybird?
As of Nov 13, 2026, Moneybird is cheaper to start with: about $3.35 a month, against about $54.74 a month for Exact Online. Exact Online starts at €49 per month for 1 user and 1 administration, and Moneybird starts at €3 per month, billed yearly (€4 billed monthly).
Which has a free plan, Exact Online or Moneybird?
As of Nov 13, 2026, neither Exact Online nor Moneybird has a free plan. Both have a free trial.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.