Moneybird vs Payhawk (2026): Pricing, Features & Verdict
Payhawk is our pick, scoring 7.1/10 against 6.3/10 for Moneybird on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 4/10). Neither Moneybird nor Payhawk lists a free plan.
Last updated: November 2026
Moneybird
6.3/10
Dutch online bookkeeping and invoicing software for freelancers and small businesses, with bank feeds, VAT filing, Peppol e-invoicing and an optional business payment account.
Payhawk
7.1/10
Payhawk is a modular spend management platform combining Visa corporate cards, expense claims, accounts payable, procurement and travel booking for mid-sized and multi-entity companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.3/10 | 7.1/10 |
| Scalability | 4/10 | 8/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 8/10 |
| Integration | 7/10 | 9/10 |
| Security | 6/10 | 8/10 |
| Support | 4/10 | 5/10 |
| Cost | 6/10 | 4/10 |
| Customization | 5/10 | 7/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €4/mo Compact | £149/mo Growth programme (UK/EEA) |
| Estimated cost for 10 users | €49/mo Compleet | £149/mo Growth programme (UK/EEA) |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Expense Management | ||
| Multi-currency | ||
| Tax Compliance | ||
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Payroll | ||
Moneybird vs Payhawk cost by team size
| Team size | Moneybird | Payhawk |
|---|---|---|
| 1 user | €4/moCompact | £149/moGrowth programme (UK/EEA) |
| 5 users | €35/moGroei | £149/moGrowth programme (UK/EEA) |
| 10 users | €49/moCompleet | £149/moGrowth programme (UK/EEA) |
| 25 users | €49/moCompleet | $299/moTravel |
| 50 users | €49/moCompleet | $299/moTravel |
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.
Who Moneybird and Payhawk suit
Moneybird fits small business better; Payhawk fits enterprise better.
| Audience | Moneybird | Payhawk |
|---|---|---|
| Enterprise | 2/10It is single-country focused, has no consolidation, payroll or inventory, and one source suggests Exact Online for businesses that outgrow it. | 7/10It offers SAP, Oracle and Workday connectors, SSO, and PO matching, but very large enterprises may still need deeper procurement suites. |
| Small Business | 8/10Groei and Compleet add multiple users, unlimited bank transactions and external bank accounts, which suits Dutch SMEs. | 4/10There is a discounted Growth programme for UK and EEA firms under 10 staff, but it is capped and reviewers say the cost is high for small companies. |
| Accountants and Bookkeepers | 8/10Accountant access is free on every plan, a Moneybird Experts partner network exists, and an accounting firm on Trustpilot praised its bank imports and API. | Not rated |
| E-commerce | 6/10Shopify, WooCommerce and Mollie sync through Combidesk, but there is no inventory accounting and reviewers of the Shopify app say it costs a lot for what it does. | Not rated |
| Finance Teams | Not rated | 9/10It is built for controllers and CFO teams that need card controls, AP approvals and ERP sync in one place. |
| Freelancers | 9/10Moneybird was built for Dutch zzp'ers, with built-in time tracking, invoicing and electronic VAT returns from the entry plans upward. | Not rated |
| Mid-Market | Not rated | 9/10Module pricing from several hundred dollars a month, plus multi-entity add-ons, targets companies that have outgrown simple expense apps. |
| Startups | Not rated | 5/10The Growth plan and unlimited employee seats help, but annual contracts and the price floor are less startup-friendly than freemium rivals. |
Which One Should You Choose?
Why choose Moneybird
- Higher Cost score (6/10 vs 4/10)
- Better fit for small business (8/10 vs 4/10)
Why choose Payhawk
- Higher Scalability score (8/10 vs 4/10)
- Higher Integration score (9/10 vs 7/10)
- Better fit for enterprise (7/10 vs 2/10)
Pros & Cons
Moneybird
Pros
- Every plan includes Peppol e-invoicing, UBL processing, the API and free accountant access, so even the entry tiers are ready for Dutch e-invoicing and working with a bookkeeper.
- Dutch VAT and ICP returns can be filed electronically from inside the software on the Start plan and above.
- Bank feeds from major Dutch banks such as Rabobank, ING, bunq and Knab, plus receipt scanning on the mobile app, cut down manual entry.
- Built-in time tracking and recurring invoices suit freelancers who bill by the hour or on subscriptions.
- Users and an accounting firm reviewer describe the interface as intuitive, and G2 reviewers note a gentle learning curve and good training material.
Cons
- Bank transaction caps are low on cheaper plans (5 on Compact, 20 on Start, 50 on Groei), and external bank connections need Groei or higher.
- Repeated price increases and the removal of the free plan drive many negative reviews; Trustpilot NL scores it 2.3 out of 5 from 260 reviews.
- Support is written only, with an AI bot as first contact and no phone or chat.
- There is no native payroll or inventory accounting, and the product is built around the Dutch market.
- Some users report slow pages, frequent logouts and incorrect automatic categorization of invoices.
Payhawk
Pros
- Unlimited employee seats, card transactions and document processing in every module, so costs do not scale per employee.
- Very broad native integration list, covering NetSuite, Sage Intacct, SAP, Dynamics, Xero, QuickBooks, DATEV and 30+ HR systems, plus a partner API and MCP connector.
- Strong for multi-entity European groups, with regulated card issuing entities in the EEA, UK and US and balances in six currencies.
- AP module includes 2- and 3-way PO matching, segregation-of-duties controls, and e-invoicing support for Peppol, KSeF, SDI and Finvoice.
- Reviewers often say employees find receipt capture and expense submission in the mobile app quick and easy.
Cons
- Trustpilot (2.8/5) and some G2 reviews describe mid-contract price increases, automatic renewals and difficult cancellations.
- Several reviewers report slow or AI-first support, with replies taking days or weeks.
- Annual pricing, unit fees for admin seats and cards, and add-on prices are not published, so you have to get a quote.
- Initial setup of workflows, custom fields and integrations is described as complex, and some reviewers note sync errors with Xero and with foreign currency refunds.
- It is not a general ledger or payroll system, so it needs a separate ERP or accounting package.
Not sold on either?
Frequently Asked Questions
Payhawk scores higher on our Finance Software criteria: 7.1/10 against 6.3/10 for Moneybird. The largest gap is in Scalability: 4/10 for Moneybird and 8/10 for Payhawk.
No, neither Moneybird nor Payhawk lists a free plan.
Payhawk is the better fit for enterprise: we rate it 7/10 for them, against 2/10 for Moneybird.
