BuchhaltungsButler vs Monzo Business: Complete Comparison (2026)
An in-depth comparison of BuchhaltungsButler and Monzo Business to help you choose the right tool for your business.
Last updated: November 2026
BuchhaltungsButler
6.3/10
Cloud accounting software from Berlin for German freelancers, small firms, online retailers and associations, with AI receipt capture, bank matching and DATEV export.
Monzo Business
6.5/10
Monzo Business is an app-based UK business bank account for sole traders and limited companies. It includes invoicing, Tax Pots, expense cards and accounting software bank feeds.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.3/10 | 6.5/10 |
| Scalability | 5/10 | 3/10 |
| Analytics | 6/10 | 4/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 7/10 | 6/10 |
| Security | 7/10 | 7/10 |
| Support | 4/10 | 6/10 |
| Cost | 5/10 | 8/10 |
| Customization | 5/10 | 4/10 |
| Ease of Use | 7/10 | 9/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €40/mo Light | £9/mo Pro |
| Estimated cost for 10 users | €40/mo Light | £25/mo Team |
| Features | ||
| Financial Reporting | ||
| General Ledger | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Multi-currency | ||
| Online Payments | Not listed | |
| Payroll | ||
BuchhaltungsButler vs Monzo Business cost by team size
| Team size | BuchhaltungsButler | Monzo Business |
|---|---|---|
| 1 user | €90/moPremium | £9/moPro |
| 5 users | €90/moPremium | £25/moTeam |
| 10 users | €40/moLight | £25/moTeam |
| 25 users | €40/moLight | FreeLite |
| 50 users | €40/moLight | FreeLite |
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?
Why choose BuchhaltungsButler
- Higher Scalability score (5/10 vs 3/10)
- Higher Analytics score (6/10 vs 4/10)
- Includes Financial Reporting, which Monzo Business lacks
- Includes General Ledger, which Monzo Business lacks
Why choose Monzo Business
- Has a free plan (BuchhaltungsButler does not)
- Higher Cost score (8/10 vs 5/10)
- Higher Support score (6/10 vs 4/10)
- Better fit for freelancers (9/10 vs 7/10)
Pros & Cons
BuchhaltungsButler
Pros
- AI receipt recognition and automatic bank matching cut down manual entry.
- E-commerce connectors for Amazon, eBay, Shopify and Billbee split marketplace fees into separate bookings.
- Handles both EÜR and double-entry bookkeeping, with Elster VAT returns, Peppol e-invoices and a DATEV export.
- Hosted in German data centres certified to ISO 27001 and 27018, with GoBD compliance.
- Every plan includes a tax advisor login.
Cons
- Invoices can only be issued in euros, and there is no dunning or time tracking.
- Reviewers report slow support, with one tester waiting five days, and there is no phone hotline.
- There is no full native mobile app.
- It costs more than entry tools such as Lexware Office, and many extras cost more.
Monzo Business
Pros
- The Lite plan is free and includes Making Tax Digital software
- Pro adds invoicing, Tax Pots and live feeds to Xero, QuickBooks, FreeAgent and Sage for £9 a month
- The Team plan adds expense cards, payment approvals and bulk payments for up to 15 users
- 24/7 in-app support on every plan
- Licensed UK bank with FSCS deposit protection
Cons
- Holds GBP only, and incoming foreign currency is converted at a 1% fee
- No general ledger or financial statements, so you still need separate accounting software
- Partnerships, LLPs, charities and non-UK businesses cannot open an account
- Cash deposits cost £1 each and are capped
- Reviews report frozen accounts and slow resolution, and there is no dedicated account manager
Not sold on either?
Frequently Asked Questions
Monzo Business scores higher on our Finance Software criteria: 6.5/10 against 6.3/10 for BuchhaltungsButler. The largest gap is in Cost: 5/10 for BuchhaltungsButler and 8/10 for Monzo Business.
Monzo Business has a free plan; BuchhaltungsButler does not list one.
Monzo Business is the better fit for freelancers: we rate it 9/10 for them, against 7/10 for BuchhaltungsButler.
BuchhaltungsButler has Financial Reporting and General Ledger, which Monzo Business lacks.
