European alternatives to Xero

New Zealand-based cloud accounting platform for small businesses.

Xero Limited · Outside Europe

About Xero

Company: Xero Limited
HQ: New Zealand
Zone: Outside Europe

Key concerns

Non-European ownership

Moneybird

86 · Strongly European

Netherlands · Accounting & invoicing

Simple, well-designed invoicing and bookkeeping from the Netherlands. Independent, privately owned, with data hosted in the EU.

See Moneybird details

Subscription · from €13.50/month 🇪🇺 EU

Visma

62 · Mostly European

Norway · Accounting & invoicing

One of Europe's largest business-software groups, offering cloud accounting, invoicing, and payroll built for local tax rules across the Nordics and beyond.

See Visma details

Subscription · from Varies by product EFTA

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Why switch away from Xero?

CLOUD Act

Allows US authorities to compel American companies to hand over data stored anywhere in the world.

FISA Section 702

Permits mass surveillance of non-US persons' data held by US tech providers, without a warrant.

GDPR vs US law

Transferring personal data to US companies may conflict with EU data protection rules under GDPR.