Revolut Business vs Sage Accounting: Complete Comparison (2026)
An in-depth comparison of Revolut Business and Sage Accounting to help you choose the right tool for your business.
Last updated: November 2026
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.
Sage Accounting
6/10
Cloud accounting software from Sage for UK sole traders and small businesses, covering invoicing, bank feeds, VAT returns, payroll and reporting.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6/10 |
| Scalability | 7/10 | 4/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 6/10 | 8/10 |
| Integration | 7/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 4/10 | 4/10 |
| Cost | 6/10 | 6/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £10/mo Basic | £20/mo Start |
| Estimated cost for 10 users | £10/mo Basic | £59/mo Plus |
| Features | ||
| General Ledger | ||
| Invoicing | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Revolut Business vs Sage Accounting cost by team size
Revolut Business costs less at every team size we checked.
| Team size | Revolut Business | Sage Accounting |
|---|---|---|
| 1 user | £10/moBasic | £20/moStart |
| 5 users | £10/moBasic | £59/moPlus |
| 10 users | £10/moBasic | £59/moPlus |
| 25 users | £10/moBasic | £59/moPlus |
| 50 users | £10/moBasic | £59/moPlus |
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 Revolut Business
- Lower estimated cost for 10 users: £10/mo vs £59/mo
- Higher Scalability score (7/10 vs 4/10)
- Higher Integration score (7/10 vs 6/10)
Why choose Sage Accounting
- Higher Compliance 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
Pros & Cons
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.
Sage Accounting
Pros
- Payroll is bundled into every plan, so very small employers do not need a separate payroll subscription.
- Built-in Making Tax Digital VAT filing, plus CIS submissions on Standard and Plus, cover UK compliance needs.
- Monthly billing with no commitment, and introductory discounts that often run for six months.
- Reviewers praise the customisable invoices and the bank and HR integrations.
- Plus allows unlimited users, which reviewers single out.
Cons
- Reviewers report yearly price rises and say support can be slow or unhelpful.
- Users report bank-feed connection problems and occasional lag with large data sets.
- Budgeting, multi-currency and stock management are only on the top Plus tier.
- There are no employee expense claims or time tracking, and receipt capture is capped with per-receipt charges above the cap.
- Role permissions are limited, so duties cannot be cleanly separated between staff.
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 6/10 for Sage Accounting. The largest gap is in Scalability: 7/10 for Revolut Business and 4/10 for Sage Accounting.
Revolut Business costs less for 10 users: about £10/mo on its Basic plan, against about £59/mo on its Plus plan for Sage Accounting, billed monthly.
No, neither Revolut Business nor Sage Accounting lists a free plan.
Sage Accounting is the better fit for freelancers: we rate it 7/10 for them, against 4/10 for Revolut Business.
Sage Accounting has General Ledger, which Revolut Business lacks.
