Geared toward sole traders or new businesses with low transaction volumes. It typically limits the number of invoices, bills, and bank reconciliations per month.
Roughly do you process each month?
Choose the lowest plan that covers your necessary transaction volume and upgrade only when necessary. xero fees work
If you connect payment gateways like Stripe, PayPal, or GoCardless to your Xero invoices so customers can pay online, you will pay standard transaction fees (e.g., 1.5% to 3% per transaction) to those payment processors.
Disclaimer: Pricing and features mentioned are estimates based on publicly available data as of this writing. Xero changes its pricing regularly (typically every 18-24 months). Always log into your Xero account and visit Settings > Subscription for your exact, real-time fees. Geared toward sole traders or new businesses with
When you complete a job, the value of the work performed (Work in Progress or WIP) may not match the fee you agreed to with the client.
If you have questions about which plan fits your business best, ? Choose the lowest plan that covers your necessary
Disclaimer: Pricing in this article is based on 2026 market information and is subject to change. Always verify the current Xero pricing on their official site.
: Free for accountants and bookkeepers to join, offering practice management tools and potential discounts for clients. Additional Usage Fees Manage Workpapers & Compliance Tasks Easily | Xero UK
Xero uses a tiered monthly subscription model where you pay per "organization" rather than per user