a3innuva vs Starling: Complete Comparison (2026)
An in-depth comparison of a3innuva and Starling to help you choose the right tool for your business.
Last updated: November 2026
a3innuva
5.9/10
Wolters Kluwer's cloud suite of accounting, payroll and ERP software for Spanish SMEs and the advisory firms (asesorías) that manage their books.
Starling
6.6/10
A UK digital bank business account with built-in invoicing, bookkeeping, and Making Tax Digital tax tools for sole traders and small limited companies.
Feature-by-Feature Comparison
| Feature | A a3innuva | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.9/10 | 6.6/10 |
| Scalability | 6/10 | 3/10 |
| Analytics | 6/10 | 4/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 5/10 | 6/10 |
| Security | 6/10 | 8/10 |
| Support | 4/10 | 7/10 |
| Cost | 6/10 | 9/10 |
| Customization | 4/10 | 3/10 |
| Ease of Use | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €26/mo a3innuva Contabilidad Pymes (base) | £7/mo Accounting Plus |
| Estimated cost for 10 users | €26/mo a3innuva Contabilidad Pymes (base) | Free Business Account + Accounting Essentials |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Tax Compliance | ||
| Audit Trail | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
a3innuva vs Starling cost by team size
| Team size | a3innuva | Starling |
|---|---|---|
| 1 user | €26/moa3innuva Contabilidad Pymes (base) | FreeBusiness Account + Accounting Essentials |
| 5 users | €26/moa3innuva Contabilidad Pymes (base) | FreeBusiness Account + Accounting Essentials |
| 10 users | €26/moa3innuva Contabilidad Pymes (base) | FreeBusiness Account + Accounting Essentials |
| 25 users | €26/moa3innuva Contabilidad Pymes (base) | FreeBusiness Account + Accounting Essentials |
| 50 users | €26/moa3innuva Contabilidad Pymes (base) | FreeBusiness Account + Accounting Essentials |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
AWhy choose a3innuva
- Higher Scalability score (6/10 vs 3/10)
- Higher Analytics score (6/10 vs 4/10)
Why choose Starling
- Has a free plan (a3innuva does not)
- Higher Support score (7/10 vs 4/10)
- Higher Cost score (9/10 vs 6/10)
- Better fit for freelancers (8/10 vs 4/10)
Pros & Cons
Aa3innuva
Pros
- The advisory version files the main Spanish tax forms and closes the year automatically, which cuts repetitive work for asesorías.
- Client and advisor work in the same cloud data, with read or edit permissions per client and tracked changes.
- Spanish regulatory changes are applied automatically through cloud updates.
- The SME entry price of 26 euros per month is low for a product from a large vendor.
Cons
- Users repeatedly complain about slow technical support, with replies taking from hours to several days.
- Users report hangs and slowness when working with large volumes of data.
- Report customisation is limited, and some third-party connections need the paid Conectia API or custom development.
- Pricing is modular and mostly by quote, so the full cost is hard to estimate in advance.
Starling
Pros
- The business account has no monthly fee, and UK transfers, invoicing, and up to five expense cards are free.
- The free Essentials tier includes MTD for Income Tax submissions, which helps sole traders and landlords facing the April 2026 rules.
- VAT returns can be filed to HMRC from inside the banking app for £7 a month until April 2027.
- Bank feeds connect to Xero, QuickBooks, and FreeAgent.
- UK-based support is available 24/7 in the app, and Finder ranked it highly for customer satisfaction in 2026.
Cons
- It is not a full accounting system: there is no general ledger, payroll, or multi-entity support.
- Accountants only get view-only access.
- Only GBP and EUR accounts are available, and new USD account applications are paused.
- Eligibility is strict: directors and people with significant control must be UK residents.
- Overdrafts and loans are not available to new business customers, and there are no branches.
Not sold on either?
Frequently Asked Questions
Starling scores higher on our Finance Software criteria: 6.6/10 against 5.9/10 for a3innuva. The largest gap is in Cost: 6/10 for a3innuva and 9/10 for Starling.
Starling has a free plan; a3innuva does not list one.
Starling is the better fit for freelancers: we rate it 8/10 for them, against 4/10 for a3innuva.
