Factusol vs Monzo Business: Complete Comparison (2026)

Why choose Factusol

• Higher Customization score (7/10 vs 4/10)
• Higher Scalability score (5/10 vs 3/10)

Why choose Monzo Business

• Has a free plan (Factusol does not)
• Higher Ease of Use score (9/10 vs 6/10)
• Higher Integration score (6/10 vs 5/10)
• Better fit for freelancers (9/10 vs 4/10)

Factusol

Pros

• Strong stock management, with multiple warehouses, lot and serial traceability, sizes and colours, and automatic supplier orders.
• Already adapted to VERI*FACTU, with TicketBAI and Factura-e support for Spanish compliance.
• Low entry price, from about 21 EUR per month in the cloud.
• Multi-company and multi-year operation, with per-user access control.
• 30-day free trial in both local and cloud versions.

Cons

• Accounting is not included and needs the separate ContaSOL product.
• Runs natively only on Windows, and the mobile app is for viewing only.
• No longer free, which is a common complaint from long-time users.
• Phone support costs considerably more, about 51 to 71 EUR per month according to reviewers.
• Users report a learning curve because of the many options.

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