Starling vs WISO MeinBüro: Complete Comparison (2026)
An in-depth comparison of Starling and WISO MeinBüro 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.
WISO MeinBüro
6.1/10
German cloud software from Buhl for invoicing, simple cash-basis bookkeeping, VAT filing and order handling, built for freelancers and small businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.6/10 | 6.1/10 |
| Scalability | 3/10 | 4/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Security | 8/10 | 6/10 |
| Support | 7/10 | 3/10 |
| Cost | 9/10 | 7/10 |
| Customization | 3/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £7/mo Accounting Plus | Contact for pricing |
| Estimated cost for 10 users | Free Business Account + Accounting Essentials | Contact for pricing |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Tax Compliance | ||
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
Starling vs WISO MeinBüro cost by team size
| Team size | Starling | WISO MeinBüro |
|---|---|---|
| 1 user | FreeBusiness Account + Accounting Essentials | Contact for pricing |
| 5 users | FreeBusiness Account + Accounting Essentials | Contact for pricing |
| 10 users | FreeBusiness Account + Accounting Essentials | Contact for pricing |
| 25 users | FreeBusiness Account + Accounting Essentials | Contact for pricing |
| 50 users | FreeBusiness Account + Accounting Essentials | Contact for pricing |
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 (WISO MeinBüro does not)
- Higher Support score (7/10 vs 3/10)
- Higher Security score (8/10 vs 6/10)
Why choose WISO MeinBüro
- Higher Scalability score (4/10 vs 3/10)
- Higher Integration score (7/10 vs 6/10)
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.
WISO MeinBüro
Pros
- Writing quotes and invoices is fast, and OMR reviewers say this works even for users with no accounting knowledge.
- E-invoices in the XRechnung and ZUGFeRD formats are included in every plan.
- Data can be exported to DATEV and filed through ELSTER, and a tax adviser login is included in all plans.
- Bank payments are matched to invoices automatically from the Buchhaltung plan upward.
- Founders get 50 percent off the first year of the basic plan.
Cons
- Experte.de says it has no double-entry bookkeeping and cannot produce a BWA or profit and loss statement.
- Experte.de reports that the phone line is often busy and that email replies took more than two weeks.
- You can only buy a one-year contract paid in advance, and it renews automatically.
- OMR users complain about regular price rises and costly add-on modules.
- The cloud version can be slow, and Experte.de says it cannot issue invoices in other currencies.
Not sold on either?
Frequently Asked Questions
Starling scores higher on our Finance Software criteria: 6.6/10 against 6.1/10 for WISO MeinBüro. The largest gap is in Support: 7/10 for Starling and 3/10 for WISO MeinBüro.
Starling has a free plan; WISO MeinBüro does not list one.
