European alternatives to Xero

A cloud accounting platform popular with small businesses, strong across the UK and Australasia. New Zealand-founded and listed, but it runs on AWS, so financial data sits on US-owned infrastructure.

Company information about Xero
Company
Xero Limited
Headquarters
Wellington, New Zealand
Founded
2006
Data jurisdiction
Outside Europe
Ownership
Publicly traded
GDPR
No
Open source
No
Infrastructure
Amazon AWS

Why people switch away from Xero

Non-European ownershipProfit-driven (public markets)Proprietary softwareRuns on Big Tech infrastructureNot covered by GDPR

European alternatives to Xero

1
Top Pick

Moneybird

Accounting & invoicing

Netherlands 86 · Strongly European

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 Bootstrapped Mixed infrastructure EU
2

Visma

Accounting & invoicing

Norway 62 · Mostly European

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 Mixed infrastructure Part of Hg EFTA

Want more options? Browse all European Accounting & invoicing alternatives →

People also replace

QuickBooks

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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.