Monzo Business vs WISO MeinBüro: Complete Comparison (2026)
An in-depth comparison of Monzo Business and WISO MeinBüro 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.
WISO MeinBüro
6.1/10
German cloud software from Buhl for invoicing, simple cash-basis bookkeeping, VAT filing and order handling, built for freelancers and small businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.5/10 | 6.1/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 8/10 | 7/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 9/10 | 8/10 |
| Integration | 6/10 | 7/10 |
| Scalability | 3/10 | 4/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 3/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £9/mo Pro | Contact for pricing |
| Estimated cost for 10 users | £25/mo Team | Contact for pricing |
| Features | ||
| Accountant Access | ||
| Invoicing | ||
| Tax Compliance | ||
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | ||
| Inventory Accounting | Not listed | |
| Multi-currency | ||
| Online Payments | Not listed | |
| Payroll | Not listed | |
Monzo Business vs WISO MeinBüro cost by team size
| Team size | Monzo Business | WISO MeinBüro |
|---|---|---|
| 1 user | £9/moPro | Contact for pricing |
| 5 users | £25/moTeam | Contact for pricing |
| 10 users | £25/moTeam | Contact for pricing |
| 25 users | FreeLite | Contact for pricing |
| 50 users | FreeLite | Contact for pricing |
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 (WISO MeinBüro does not)
- Higher Support score (6/10 vs 3/10)
- Higher Cost score (8/10 vs 7/10)
Why choose WISO MeinBüro
- Higher Integration score (7/10 vs 6/10)
- Higher Scalability score (4/10 vs 3/10)
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
WISO MeinBüro
Pros
- Writing quotes and invoices is fast, and OMR reviewers say this works even for users with no accounting knowledge.
- E-invoices in the XRechnung and ZUGFeRD formats are included in every plan.
- Data can be exported to DATEV and filed through ELSTER, and a tax adviser login is included in all plans.
- Bank payments are matched to invoices automatically from the Buchhaltung plan upward.
- Founders get 50 percent off the first year of the basic plan.
Cons
- Experte.de says it has no double-entry bookkeeping and cannot produce a BWA or profit and loss statement.
- Experte.de reports that the phone line is often busy and that email replies took more than two weeks.
- You can only buy a one-year contract paid in advance, and it renews automatically.
- OMR users complain about regular price rises and costly add-on modules.
- The cloud version can be slow, and Experte.de says it cannot issue invoices in other currencies.
Not sold on either?
Frequently Asked Questions
Monzo Business scores higher on our Finance Software criteria: 6.5/10 against 6.1/10 for WISO MeinBüro. The largest gap is in Support: 6/10 for Monzo Business and 3/10 for WISO MeinBüro.
Monzo Business has a free plan; WISO MeinBüro does not list one.
