Lexware Office vs N26 Business Comparison

Why choose Lexware Office

• Higher Integration score (7/10 vs 3/10)
• Higher Compliance score (8/10 vs 5/10)
• Better fit for small business (8/10 vs 4/10)
• Includes Invoicing, which N26 Business lacks

Why choose N26 Business

• Has a free plan (Lexware Office does not)
• Lower estimated cost for 10 users: Free vs €8/mo

Lexware Office

Pros

• Users on OMR Reviews and testers on Experte.de describe receipt scanning and bank matching as fast and easy to set up.
• Creates ZUGFeRD and XRechnung e-invoices and files VAT returns directly to ELSTER.
• Every plan can be cancelled monthly, and users are unlimited according to Für-Gründer.
• Tax advisor access and DATEV export make it easy to hand the books to an accountant.
• An optional payroll add-on handles social security and tax filings for up to 50 employees.

Cons

• Invoices can only be issued in euros.
• Cannot manage several companies, and has no approval workflow and no cost-centre reporting.
• Bookkeeping and VAT returns need the L plan, and recurring features need higher tiers.
• Users report bank connections that drop and support that is hard to reach by phone.
• There is no postal invoice sending and no built-in time tracking.

N26 Business

Pros

• The Standard plan has no monthly fee and includes a virtual card plus 0.1% cashback.
• Card payments in foreign currencies carry no surcharge on any plan.
• Spaces sub-accounts and budgeting rules help freelancers set aside money for tax.
• Metal pays 0.5% cashback and includes purchase and phone insurance.

Cons

• There is no invoicing, no native DATEV link, and no HBCI or EBICS support.
• The account holds euros only and has no foreign-currency transfers in the app.
• Companies such as GmbH or UG cannot open an account, and the company name cannot appear on the account or card.
• Basic-plan customers get no phone support, and Trustpilot users report account freezes and rejected applications.