Starling vs TS Facturas (formerly Billin): Complete Comparison (2026)
An in-depth comparison of Starling and TS Facturas (formerly Billin) to help you choose the right tool for your business.
Last updated: November 2026
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.
TS Facturas (formerly Billin)
5.9/10
Spanish cloud invoicing software, now owned by TeamSystem, for freelancers, micro-businesses and small firms. It issues quotes and invoices, including Verifactu, Facturae and TicketBAI e-invoices.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.6/10 | 5.9/10 |
| Scalability | 3/10 | 3/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 7/10 | 8/10 |
| Integration | 6/10 | 4/10 |
| Security | 8/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Cost | 9/10 | 8/10 |
| Customization | 3/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £7/mo Accounting Plus | €8/mo Basico |
| Estimated cost for 10 users | Free Business Account + Accounting Essentials | €28/mo Ilimitado |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Inventory Accounting | Not listed | |
Starling vs TS Facturas (formerly Billin) cost by team size
| Team size | Starling | TS Facturas (formerly Billin) |
|---|---|---|
| 1 user | FreeBusiness Account + Accounting Essentials | €8/moBasico |
| 5 users | FreeBusiness Account + Accounting Essentials | €28/moIlimitado |
| 10 users | FreeBusiness Account + Accounting Essentials | €28/moIlimitado |
| 25 users | FreeBusiness Account + Accounting Essentials | €28/moIlimitado |
| 50 users | FreeBusiness Account + Accounting Essentials | €28/moIlimitado |
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 Starling
- Has a free plan (TS Facturas (formerly Billin) does not)
- Higher Integration score (6/10 vs 4/10)
- Higher Security score (8/10 vs 6/10)
Why choose TS Facturas (formerly Billin)
- Higher Customization score (5/10 vs 3/10)
- Higher Compliance score (8/10 vs 7/10)
Pros & Cons
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.
TS Facturas (formerly Billin)
Pros
- Every plan includes Verifactu, Facturae and TicketBAI e-invoicing, which helps Spanish businesses keep up with tax rules.
- Low prices: the entry plan costs 8 euros a month, and quotes and invoices are unlimited on every tier.
- The 30-day free trial includes all features and needs no credit card.
- Recurring invoices and expenses, SEPA remittances and payment reminders are included on every plan.
- A built-in connection lets a gestoria (outside accountant) work with the client's data.
Cons
- It handles invoicing, not full accounting: there is no general ledger, payroll or consolidation.
- The Basico plan allows only 5 clients and 1 user, so most businesses will need Pro or higher.
- There are few independent reviews and the ratings are mixed: 3.4 out of 5 on Appvizer and 1.4 out of 5 on Shopify.
- A 2026 Shopify review reported sales left unsent to the tax authority and scripted support replies.
- It is focused on Spain, and there is little evidence that it serves international or multi-currency businesses.
Not sold on either?
Frequently Asked Questions
Starling scores higher on our Finance Software criteria: 6.6/10 against 5.9/10 for TS Facturas (formerly Billin). The largest gap is in Customization: 3/10 for Starling and 5/10 for TS Facturas (formerly Billin).
Starling has a free plan; TS Facturas (formerly Billin) does not list one.
