Papierkram vs Revolut Business: Complete Comparison (2026)
An in-depth comparison of Papierkram and Revolut Business to help you choose the right tool for your business.
Last updated: November 2026
Papierkram
5.6/10
German cloud bookkeeping software for freelancers and small firms that do cash-basis accounting. It combines invoicing, time tracking, receipts, bank sync, EÜR and VAT returns.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.6/10 | 6.4/10 |
| Scalability | 3/10 | 7/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 4/10 | 7/10 |
| Security | 5/10 | 7/10 |
| Support | 5/10 | 4/10 |
| Cost | 7/10 | 6/10 |
| Customization | 5/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €16/mo S | £10/mo Basic |
| Estimated cost for 10 users | €60/mo L | £10/mo Basic |
| Features | ||
| Multi-currency | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Tax Compliance | Not listed | |
Papierkram vs Revolut Business cost by team size
| Team size | Papierkram | Revolut Business |
|---|---|---|
| 1 user | FreeFree | £10/moBasic |
| 5 users | €30/moM | £10/moBasic |
| 10 users | €60/moL | £10/moBasic |
| 25 users | €60/moL | £10/moBasic |
| 50 users | €60/moL | £10/moBasic |
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 Papierkram
- Has a free plan (Revolut Business does not)
- Higher Compliance score (7/10 vs 6/10)
- Higher Support score (5/10 vs 4/10)
- Better fit for freelancers (9/10 vs 4/10)
Why choose Revolut Business
- Higher Scalability score (7/10 vs 3/10)
- Higher Integration score (7/10 vs 4/10)
- Better fit for e-commerce (7/10 vs 2/10)
- Includes Multi-currency, which Papierkram lacks
Pros & Cons
Papierkram
Pros
- Independent testers rate its time tracking with project assignment and invoicing from tracked hours as best in class among German freelancer tools.
- A permanent Free plan covers basic invoicing, receipts and time tracking. Experte.de found it was the only free tier in its test.
- From the S tier it handles German compliance: Elster VAT pre-returns, EÜR, GoBD attestation, XRechnung and ZUGFeRD e-invoices, and DATEV export.
- Reviewers rate the clean interface and quick setup highly, with a setup score of 1.3 on Experte.de.
Cons
- Independent reviews report no balance sheet or P&L, so companies that must produce balance sheets need a tax advisor or another tool.
- Experte.de reports that invoices can only be issued in euros.
- Reviewers say MagicSuggest receipt recognition often needs manual correction and the mobile app is weak.
- Support is by email or contact form only, with no phone or live chat.
- There are few integrations and no e-commerce shop connectors, and the API is in beta and only on M and L.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 5.6/10 for Papierkram. The largest gap is in Scalability: 3/10 for Papierkram and 7/10 for Revolut Business.
Papierkram has a free plan; Revolut Business does not list one.
Revolut Business is the better fit for e-commerce: we rate it 7/10 for them, against 2/10 for Papierkram.
Revolut Business has Multi-currency, which Papierkram lacks.
