Reckon One vs Revolut Business: Complete Comparison (2026)
An in-depth comparison of Reckon One and Revolut Business to help you choose the right tool for your business.
Last updated: November 2026
Reckon One
5.9/10
Reckon One is cloud accounting and payroll software for Australian small businesses, covering invoicing, GST/BAS, bank feeds, inventory and Single Touch Payroll.
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 | 5.9/10 | 6.4/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Cost | 8/10 | 6/10 |
| Customization | 5/10 | 6/10 |
| Ease of Use | 7/10 | 8/10 |
| Integration | 4/10 | 7/10 |
| Scalability | 4/10 | 7/10 |
| Security | 5/10 | 7/10 |
| Support | 7/10 | 4/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | A$24/mo Accounting Plus | £10/mo Basic |
| Estimated cost for 10 users | A$24/mo Accounting Plus | £10/mo Basic |
| Features | ||
| General Ledger | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Reckon One vs Revolut Business cost by team size
| Team size | Reckon One | Revolut Business |
|---|---|---|
| 1 user | A$24/moAccounting Plus | £10/moBasic |
| 5 users | A$24/moAccounting Plus | £10/moBasic |
| 10 users | A$24/moAccounting Plus | £10/moBasic |
| 25 users | A$24/moAccounting Plus | £10/moBasic |
| 50 users | A$24/moAccounting Plus | £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 Reckon One
- Higher Support score (7/10 vs 4/10)
- Higher Cost score (8/10 vs 6/10)
- Better fit for freelancers (7/10 vs 4/10)
- Better fit for small business (9/10 vs 7/10)
- Includes General Ledger, which Revolut Business lacks
Why choose Revolut Business
- Higher Integration score (7/10 vs 4/10)
- Higher Scalability score (7/10 vs 4/10)
Pros & Cons
Reckon One
Pros
- Every plan has a flat monthly price with unlimited users, so adding staff does not raise the bill.
- Reviewers often call it cheaper than Xero while covering the core invoicing and bookkeeping tasks.
- Payroll complies with Single Touch Payroll and Payday Super, and businesses can buy it on its own by headcount.
- Australian phone and chat support is open seven days a week.
- There is no minimum term, and a 30-day trial comes with a free onboarding session.
Cons
- Its app marketplace is much smaller than Xero's or MYOB's, and reviewers mention a lack of direct integrations.
- Reviewers find the help content confusing and say the newer payroll screens are not user friendly.
- There is no offline mode, which users have raised in Reckon's own community forum.
- Inventory is capped at 10 items unless you buy the Ultimate plan.
- It is built for Australian tax rules, so it is a poor fit for businesses elsewhere.
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 5.9/10 for Reckon One. The largest gap is in Integration: 4/10 for Reckon One and 7/10 for Revolut Business.
No, neither Reckon One nor Revolut Business lists a free plan.
Reckon One is the better fit for freelancers: we rate it 7/10 for them, against 4/10 for Revolut Business.
Reckon One has General Ledger, which Revolut Business lacks.
