The Moneybird Insider’s Guide
Everything we know about Moneybird in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Moneybird
The Insider’s Guide
Online accounting for freelancers and small businesses in Europe
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Moneybird’s own pages.
Made by Moneybird B.V. · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Moneybird’s own pages, its app-store listings and our grades. Every fact in it is on Moneybird’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.4
GPA, above 38 of the 65 other accounting and invoicing tools we grade
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.
To get you started, here are 9 things to know about Moneybird, taken from its own pages and our grades.
You'll link a bank and set up your contacts and products first.
- 1
Best for freelancers wanting European online accounting
Moneybird is online accounting for freelancers and small businesses in Europe: invoices, receipts, bank connections and electronic VAT returns, from €3 a month.
- 2
Paid plans start at about $3.35 a month
As its pricing page puts it: €3 per month, billed yearly (€4 billed monthly).
- 3
You can try it first
60-day free trial with the Complete plan's features, no obligation
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
Invoices and quotes
Send sales invoices and quotes, set recurring invoices and automatic reminders, and send through Peppol or collect by SEPA direct debit.
- 6
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.
- 7
Bank connections
Link bank accounts from 1,700+ European banks and match the transactions. How many accounts and transactions depends on the plan.
- 8
A 2.4 GPA, above 38 of 65
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
Moneybird at a glance
- Pricing
- Free trial, from €3 per month, billed yearly (€4 billed monthly)
- Free plan
- No
- Free trial
- 60-day free trial with the Complete plan's features, no obligation
- Runs on
- Web, iOS, Android
- Made by
- Moneybird B.V.
- Category
- Accounting & Invoicing
- Our grade
- 2.4 GPA, fair
The report card
Best for freelancers wanting European online accounting
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Moneybird is for
- 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
Who it is not for
- 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
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
~$3.35
A month to start
Moneybird is a paid product with a free trial, starting at €3 per month, billed yearly (€4 billed monthly).
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.
Trying it first
60-day free trial with the Complete plan's features, no obligation
Read from moneybird.com on Nov 12, 2026.
Ways to pay less
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.
Stated on moneybird.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Online accounting for freelancers and small businesses in Europe. Here is what it does, as its own site describes it, and what it covers: public API, time tracking, invoicing, bookkeeping, expense tracking, quotes and estimates.
Invoices, purchase invoices, bank connections, bookkeeping, VAT returns and timesheets.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- Shopify
- Magento 2
- PrestaShop
- Lightspeed
- Bol.com
- Ecwid
- OpenCart
Moneybird is made by Moneybird B.V.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
38/65
Other accounting and invoicing tools it is graded above
Moneybird's GPA of 2.4 is higher than 38 of the 65 other accounting and invoicing tools we grade, and level with 10.
It stands best on features (B, above 51 of 65) and worst on ease of use (C, above 1).
Its paid plans start at about $3.35 a month, against a middle price of $18.09 for the category: 1 of the 54 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.
Each grade against the category
Every bar is all 66 accounting and invoicing tools we grade, cut by the letter each got. Moneybird’s own letter is outlined.
- CValue for moneyAbove 13 of 65
- CFree plan and trialAbove 15 of 65
- BFeaturesAbove 51 of 65
- CEase of useAbove 1 of 65
- BPlatforms and integrationsAbove 13 of 65
Price against what you get
Each dot is one of 58 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Moneybird is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
What you could make
- Invoicing, quotes and estimates, time tracking and expense tracking: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, Shopify, Magento 2 and PrestaShop among them, and has an API.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Moneybird’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Holded, Pennylane, Billy, Sevdesk and Xero
The 5 tools Moneybird is most often weighed against, with where each one differs from it.
- 2.2GPA
Holded
Free plan · from €19/mo
Cloud business management with invoicing, accounting and inventory.
- Holded has a free plan. Moneybird does not, though it has a free trial.
- Moneybird also covers time tracking and quotes and estimates.
- Holded also covers sales pipeline and inventory.
- 2.0GPA
Pennylane
Free trial · from €7/mo
French accounting, invoicing and business account in one app.
- Moneybird also covers time tracking and quotes and estimates.
- Pennylane also covers reports, bill pay and company cards.
- 2.2GPA
Billy
Free plan
Danish bookkeeping and invoicing with a free plan.
- Billy has a free plan. Moneybird does not, though it has a free trial.
- Moneybird also covers time tracking.
- Billy also covers payroll.
- 2.2GPA
Sevdesk
Free plan · from €12.90/mo
German online accounting and e-invoicing with a free plan.
- Sevdesk has a free plan. Moneybird does not, though it has a free trial.
- Moneybird also covers time tracking.
- Sevdesk also covers reports.
- 2.6GPA
Xero
Free trial · from $27/mo
Cloud accounting for small businesses, with unlimited users.
- Moneybird also covers time tracking and quotes and estimates.
- Xero also covers reports and payroll.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
14
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Moneybird free?
No, Moneybird is a paid product, but you can try it first. 60-day free trial with the Complete plan's features, no obligation.
How much does Moneybird cost?
Moneybird lists 4 plans. Compact: €3 per month, billed yearly (€4 billed monthly).
What platforms does Moneybird work on?
Moneybird is available on Web, iOS and Android.
Does Moneybird offer any discounts?
Moneybird publicly lists the following: At least 16% off with yearly billing.
Does Moneybird have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Moneybird is listed for Web, iOS and Android.
Does Moneybird have a macOS app?
No macOS app was listed when its pages were read on Nov 12, 2026. Moneybird is listed for Web, iOS and Android.
Is Moneybird open source?
Moneybird is not described as open source on its own site, as read on Nov 12, 2026.
Does Moneybird have an API?
Yes. Moneybird offers a public API, according to its own site.
What does Moneybird integrate with?
Moneybird's listing names Shopify, Magento 2, PrestaShop, Lightspeed, Bol.com, Ecwid and OpenCart.
Who makes Moneybird?
Moneybird is made by Moneybird B.V.
What are the alternatives to Moneybird?
The closest alternatives to Moneybird in our directory are Holded, Pennylane, Billy, Sevdesk and Xero.
How does Moneybird compare with other accounting and invoicing tools?
Moneybird's GPA of 2.4 is higher than 38 of the 65 other accounting and invoicing tools we grade, and level with 10.
Is Moneybird good value for money?
ToolGPA grades Moneybird C for value for money. Its paid plans start at about $3.35 a month, against a middle price of $18.09 for the category: 1 of the 54 others that charge start lower.
Could I make my own version of Moneybird?
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.
Where this guide comes from
The prices, plans, platforms and features were read from Moneybird’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Moneybird B.V. Prices change, so check moneybird.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Moneybird, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/moneybird
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Moneybird: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/moneybird
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/moneybird/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Moneybird, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 67 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Moneybird’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Moneybird is a trademark of its owner, and this guide is not made, paid for or approved by Moneybird B.V. Prices and plans change: check moneybird.com before you buy.