Starling vs VosFactures: Complete Comparison (2026)
An in-depth comparison of Starling and VosFactures 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.
VosFactures
6.3/10
VosFactures is an online invoicing and stock management tool for French micro-entrepreneurs, freelancers, small businesses and associations, with Factur-X and PEPPOL e-invoicing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.6/10 | 6.3/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 9/10 | 9/10 |
| Customization | 3/10 | 6/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 6/10 | 6/10 |
| Scalability | 3/10 | 4/10 |
| Security | 8/10 | 5/10 |
| Support | 7/10 | 6/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | £7/mo Accounting Plus | €5/mo Basique |
| Estimated cost for 10 users | Free Business Account + Accounting Essentials | €60/mo Max |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
Starling vs VosFactures cost by team size
| Team size | Starling | VosFactures |
|---|---|---|
| 1 user | FreeBusiness Account + Accounting Essentials | FreeMicro |
| 5 users | FreeBusiness Account + Accounting Essentials | €25/moPro |
| 10 users | FreeBusiness Account + Accounting Essentials | €60/moMax |
| 25 users | FreeBusiness Account + Accounting Essentials | €60/moMax |
| 50 users | FreeBusiness Account + Accounting Essentials | €60/moMax |
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
- Higher Security score (8/10 vs 5/10)
- Higher Ease of Use score (8/10 vs 7/10)
Why choose VosFactures
- Higher Customization score (6/10 vs 3/10)
- Higher Scalability score (4/10 vs 3/10)
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.
VosFactures
Pros
- The free Micro plan and the 5 EUR Basique plan are among the cheapest ways to issue compliant French invoices.
- Factur-X and PEPPOL e-invoicing are included at no extra cost, ahead of the French e-invoicing mandate.
- Pricing is a flat fee per account, so the 60 EUR Max plan allows unlimited users.
- It supports many payment gateways, including Stripe, PayPal, Braintree, PayZen, Ingenico and BitPay.
- Support in French by phone, email and chat is free, including during the trial.
Cons
- It is not accounting software, with no general ledger and no VAT or tax return filing.
- Online payments, bank sync, stock and the accounting export require at least the Pro plan.
- Reviewers describe the interface as dated compared with newer competitors.
- There is no native Shopify integration.
- It has few verified user reviews on major review sites.
Not sold on either?
Frequently Asked Questions
Starling scores higher on our Finance Software criteria: 6.6/10 against 6.3/10 for VosFactures. The largest gap is in Customization: 3/10 for Starling and 6/10 for VosFactures.
Yes, both Starling and VosFactures have a free plan.
