Procountor vs Starling: Complete Comparison (2026)
An in-depth comparison of Procountor and Starling to help you choose the right tool for your business.
Last updated: November 2026
Procountor
6.2/10
Finago Procountor is a browser-based Finnish financial management system covering invoicing, purchase invoices, bookkeeping and payroll for companies and their accounting offices.
Starling
6.6/10
A UK digital bank business account with built-in invoicing, bookkeeping, and Making Tax Digital tax tools for sole traders and small limited companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.6/10 |
| Scalability | 7/10 | 3/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 7/10 | 6/10 |
| Security | 7/10 | 8/10 |
| Support | 5/10 | 7/10 |
| Cost | 5/10 | 9/10 |
| Customization | 6/10 | 3/10 |
| Ease of Use | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €4/mo First | £7/mo Accounting Plus |
| Estimated cost for 10 users | €4/mo First | Free Business Account + Accounting Essentials |
| Features | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| General Ledger | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Procountor vs Starling cost by team size
| Team size | Procountor | Starling |
|---|---|---|
| 1 user | €4/moFirst | FreeBusiness Account + Accounting Essentials |
| 5 users | €4/moFirst | FreeBusiness Account + Accounting Essentials |
| 10 users | €4/moFirst | FreeBusiness Account + Accounting Essentials |
| 25 users | €4/moFirst | FreeBusiness Account + Accounting Essentials |
| 50 users | €4/moFirst | FreeBusiness Account + Accounting Essentials |
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 Procountor
- Higher Scalability score (7/10 vs 3/10)
- Higher Customization score (6/10 vs 3/10)
Why choose Starling
- Has a free plan (Procountor does not)
- Higher Cost score (9/10 vs 5/10)
- Higher Support score (7/10 vs 5/10)
- Better fit for freelancers (8/10 vs 6/10)
Pros & Cons
Procountor
Pros
- No per-user fees: the company and its accounting office can add unlimited users at no charge.
- Seven packages let you start at 4 euros a month and move up as transaction volume grows.
- Payroll, purchase invoice approval and invoicing are all in one Finnish-compliant system.
- A documented REST API with OAuth2, webhooks and a free test environment, plus third-party connectors.
Cons
- Prices rise steeply between packages, from 82.90 euros for Basic to 344.90 euros for Plus.
- Every transaction counts as a voucher, so overage charges can add up quickly.
- Built mainly for the Finnish market, with very few independent English-language reviews.
- Contract and cancellation terms are not stated clearly on the pricing page.
Starling
Pros
- The business account has no monthly fee, and UK transfers, invoicing, and up to five expense cards are free.
- The free Essentials tier includes MTD for Income Tax submissions, which helps sole traders and landlords facing the April 2026 rules.
- VAT returns can be filed to HMRC from inside the banking app for £7 a month until April 2027.
- Bank feeds connect to Xero, QuickBooks, and FreeAgent.
- UK-based support is available 24/7 in the app, and Finder ranked it highly for customer satisfaction in 2026.
Cons
- It is not a full accounting system: there is no general ledger, payroll, or multi-entity support.
- Accountants only get view-only access.
- Only GBP and EUR accounts are available, and new USD account applications are paused.
- Eligibility is strict: directors and people with significant control must be UK residents.
- Overdrafts and loans are not available to new business customers, and there are no branches.
Not sold on either?
Frequently Asked Questions
Starling scores higher on our Finance Software criteria: 6.6/10 against 6.2/10 for Procountor. The largest gap is in Cost: 5/10 for Procountor and 9/10 for Starling.
Starling has a free plan; Procountor does not list one.
Starling is the better fit for freelancers: we rate it 8/10 for them, against 6/10 for Procountor.
