Kashoo vs Starling: Complete Comparison (2026)
An in-depth comparison of Kashoo and Starling to help you choose the right tool for your business.
Last updated: November 2026
Kashoo
5.8/10
Kashoo is cloud double-entry accounting software for small businesses and sole proprietors. It covers invoicing, bank feeds, sales tax tracking and reports, all on a single flat-priced plan.
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 | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.8/10 | 6.6/10 |
| Scalability | 3/10 | 3/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 5/10 | 7/10 |
| Integration | 4/10 | 6/10 |
| Security | 6/10 | 8/10 |
| Support | 7/10 | 7/10 |
| Cost | 8/10 | 9/10 |
| Customization | 4/10 | 3/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | $30/mo Kashoo | £7/mo Accounting Plus |
| Estimated cost for 10 users | $30/mo Kashoo | Free Business Account + Accounting Essentials |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
Kashoo vs Starling cost by team size
| Team size | Kashoo | Starling |
|---|---|---|
| 1 user | $30/moKashoo | FreeBusiness Account + Accounting Essentials |
| 5 users | $30/moKashoo | FreeBusiness Account + Accounting Essentials |
| 10 users | $30/moKashoo | FreeBusiness Account + Accounting Essentials |
| 25 users | $30/moKashoo | FreeBusiness Account + Accounting Essentials |
| 50 users | $30/moKashoo | 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?
Why choose Kashoo
- Higher Analytics score (5/10 vs 4/10)
- Higher Customization score (4/10 vs 3/10)
Why choose Starling
- Has a free plan (Kashoo does not)
- Higher Compliance score (7/10 vs 5/10)
- Higher Integration score (6/10 vs 4/10)
Pros & Cons
Kashoo
Pros
- A single 30 USD monthly plan includes every feature, with unlimited users, invoices and attachments.
- Accountants and staff can be invited at no extra cost, each with their own access level.
- Bank connections use Plaid, so Kashoo never receives your bank credentials, and CSV and OFX imports are also supported.
- Reviewers say non-accountants find it easy to learn, and they praise customer service.
Cons
- It has fewer integrations than larger competitors, which reviewers say made them hesitant to commit.
- Every additional business needs its own subscription, and there is no consolidation across businesses.
- Payroll depends on the third-party PaymentEvolution integration rather than a built-in feature.
- It lacks the advanced accounting features and budgeting tools found in larger suites.
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 5.8/10 for Kashoo. The largest gap is in Compliance: 5/10 for Kashoo and 7/10 for Starling.
Starling has a free plan; Kashoo does not list one.
