# Moneybird review (2026): is it worth €3 a month, billed yearly? > Online accounting for freelancers and small businesses in Europe Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA. Moneybird is online accounting software for freelancers and small companies. It covers sales invoices and quotes, purchase invoices, timesheets, bank connections, bookkeeping and electronic VAT returns. Plans are priced in euros and differ by users, bank accounts, processed transactions and monthly invoice limits. - **Category:** Accounting & Invoicing - **Made by:** Moneybird B.V. - **Website:** https://www.moneybird.com - **Runs on:** Web, iOS, Android - **Who should skip it:** Tight if you're on Compact: 1 invoice a month, 5 processed bank transactions and no VAT return. - **Facts last checked:** Nov 12, 2026 ## Pricing As of Nov 12, 2026, Moneybird is a paid product with a free trial, starting at €3 per month, billed yearly (€4 billed monthly). - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 60-day free trial with the Complete plan's features, no obligation. | Plan | Price | What you get | | --- | --- | --- | | 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. | Read from https://www.moneybird.com/pricing/ on Nov 12, 2026. Prices change, so confirm with Moneybird before buying. ## Ways to pay less - **At least 16% off with yearly billing** (Annual discount): The pricing page shows the yearly-billed price per month and the saving per year, from €12 on Compact to €96 on Complete. Source: https://www.moneybird.com/pricing/ ## Key features - **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. ## Good for - Freelancers and small companies in the Netherlands and Belgium - Businesses that want VAT returns filed from inside the accounting tool - Webshops that connect through partner integrations ## Worth knowing - 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. ## ToolGPA grades **GPA: 2.4 out of 4**, graded Nov 12, 2026. Moneybird is online accounting for freelancers and small businesses in Europe: invoices, receipts, bank connections and electronic VAT returns, from €3 a month. That plan allows 1 sales invoice a month, so most people land on Start at €15, extra invoices cost €0.15 each, and payment and bank fees come on top. - **Value for money: 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: C.** A 60-day free trial with the Complete plan's features, no obligation. No free plan. - **Features: B.** Invoices, purchase invoices, bank connections, bookkeeping, VAT returns and timesheets. The listing's limits are volumes and fees, not missing features. - **Ease of use: C.** No store rating on record. You'll link a bank and set up your contacts and products first. - **Platforms and integrations: B.** Web, iPhone and Android, with Shopify, Magento 2, PrestaShop, Lightspeed and bol.com. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Moneybird's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. ## Where it stands among accounting and invoicing tools - Moneybird's GPA of 2.4 is higher than 74 of the 127 other accounting and invoicing tools we grade, and level with 19. - It stands best on features (B, above 86 of 127) and worst on ease of use (C, above 6). - Its paid plans start at about $3.35 a month, against a middle price of $18.09 for the category: 4 of the 90 others that charge start lower. - On features, ease of use and platforms it scores 2.7 out of 4. 1 tool scores higher and costs less. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, or make your own? **Keep it.** To replace Moneybird you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one. It costs $40.22 a year. - You could make: Invoicing, quotes and estimates, time tracking and expense tracking: an app builder makes these well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: It plugs into other products, Shopify, Magento 2 and PrestaShop among them, and has an API. - You could not: The depth: we grade its features B, which means it covers the whole job. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Shopify, Magento 2, PrestaShop, Lightspeed, Bol.com, Ecwid, OpenCart **Tags:** Invoicing, Bookkeeping, Quotes and estimates, Time tracking, Expense tracking, Public API ## Alternatives - [Holded](https://toolgpa.com/tools/holded): Cloud business management with invoicing, accounting and inventory. [Compare](https://toolgpa.com/compare/holded-vs-moneybird) - [Pennylane](https://toolgpa.com/tools/pennylane): French accounting, invoicing and business account in one app. [Compare](https://toolgpa.com/compare/moneybird-vs-pennylane) - [Billy](https://toolgpa.com/tools/billy): Danish bookkeeping and invoicing with a free plan. [Compare](https://toolgpa.com/compare/billy-vs-moneybird) - [Sevdesk](https://toolgpa.com/tools/sevdesk): German online accounting and e-invoicing with a free plan. [Compare](https://toolgpa.com/compare/moneybird-vs-sevdesk) - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/moneybird-vs-xero) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://www.moneybird.com/pricing/ - https://www.moneybird.com/ - https://www.moneybird.com/features/integrations/ - https://www.moneybird.com/features/vat-returns/ - https://www.moneybird.com/about-us/ Page: https://toolgpa.com/tools/moneybird Listed by ToolGPA (toolgpa.com).