Monzo Business vs TS Facturas (formerly Billin): Complete Comparison (2026)
An in-depth comparison of Monzo Business and TS Facturas (formerly Billin) to help you choose the right tool for your business.
Last updated: November 2026
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.
TS Facturas (formerly Billin)
5.9/10
Spanish cloud invoicing software, now owned by TeamSystem, for freelancers, micro-businesses and small firms. It issues quotes and invoices, including Verifactu, Facturae and TicketBAI e-invoices.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.5/10 | 5.9/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 7/10 | 8/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 9/10 | 7/10 |
| Integration | 6/10 | 4/10 |
| Scalability | 3/10 | 3/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £9/mo Pro | €8/mo Basico |
| Estimated cost for 10 users | £25/mo Team | €28/mo Ilimitado |
| Features | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
Monzo Business vs TS Facturas (formerly Billin) cost by team size
| Team size | Monzo Business | TS Facturas (formerly Billin) |
|---|---|---|
| 1 user | £9/moPro | €8/moBasico |
| 5 users | £25/moTeam | €28/moIlimitado |
| 10 users | £25/moTeam | €28/moIlimitado |
| 25 users | FreeLite | €28/moIlimitado |
| 50 users | FreeLite | €28/moIlimitado |
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 Monzo Business
- Has a free plan (TS Facturas (formerly Billin) does not)
- Higher Ease of Use score (9/10 vs 7/10)
- Higher Integration score (6/10 vs 4/10)
Why choose TS Facturas (formerly Billin)
- Higher Compliance score (8/10 vs 7/10)
- Higher Customization score (5/10 vs 4/10)
Pros & Cons
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
TS Facturas (formerly Billin)
Pros
- Every plan includes Verifactu, Facturae and TicketBAI e-invoicing, which helps Spanish businesses keep up with tax rules.
- Low prices: the entry plan costs 8 euros a month, and quotes and invoices are unlimited on every tier.
- The 30-day free trial includes all features and needs no credit card.
- Recurring invoices and expenses, SEPA remittances and payment reminders are included on every plan.
- A built-in connection lets a gestoria (outside accountant) work with the client's data.
Cons
- It handles invoicing, not full accounting: there is no general ledger, payroll or consolidation.
- The Basico plan allows only 5 clients and 1 user, so most businesses will need Pro or higher.
- There are few independent reviews and the ratings are mixed: 3.4 out of 5 on Appvizer and 1.4 out of 5 on Shopify.
- A 2026 Shopify review reported sales left unsent to the tax authority and scripted support replies.
- It is focused on Spain, and there is little evidence that it serves international or multi-currency businesses.
Not sold on either?
Frequently Asked Questions
Monzo Business scores higher on our Finance Software criteria: 6.5/10 against 5.9/10 for TS Facturas (formerly Billin). The largest gap is in Ease of Use: 9/10 for Monzo Business and 7/10 for TS Facturas (formerly Billin).
Monzo Business has a free plan; TS Facturas (formerly Billin) does not list one.
