Digits alternative, compared honestly
AccountsOS vs Digits:
a US ledger and a UK-first AI accountant
Digits is one of the best-known AI-native ledgers, and it is built for US businesses. If you are searching for a Digits alternative because you are not in the US, or because $65 a month is more than you want to pay, this page sets the two side by side.
Checked on 2 Nov 2026. Every Digits fact on this page links to its source.
Digits is an AI-native general ledger for US-based businesses and their accountants, from $65 a month on its Essentials plan, with a 30-day trial. Its own FAQ says it is available only to US-based entities, and it does not file taxes: it exports a tax package for a preparer. AccountsOS is an AI accountant, Finn, working on a real double-entry ledger in 32 countries, from £10 a month for a sole trader or £20 a month for a limited company, with a person reviewing and signing every filing. Digits is ahead on US bank connections and US depth. We are ahead on price, on UK filing, and on where you can use it.
Is Digits available in the UK?
No. The Digits pricing page states that the service is available only to US-based entities. That one line decides most searches for "digits uk" and "digits accounting alternative" before features come into it. A UK limited company cannot sign up for Digits and use it for its books.
If you are comparing Digits vs Xero or Digits vs QuickBooks, the same point applies: Xero and QuickBooks both run in the UK and file VAT through HMRC's Making Tax Digital, and Digits does not operate there. For UK buyers the real comparison is between Xero, QuickBooks, Sage and the newer AI products. We compare ourselves with the established ones on our Xero and QuickBooks pages.
AccountsOS is live in the UK and in the other markets on our country list. The UK is where our filing is deepest: MTD VAT returns, Companies House accounts and confirmation statements.
Two different ideas of an AI-native accountant
Digits describes its product as an agentic general ledger. It categorises transactions around the clock, flags items for review, runs quality checks, drafts month-end close work and gives you live dashboards for runway, burn and revenue. The product is the ledger and its interface, with an assistant called Ask Digits on top.
AccountsOS is built the other way round. Finn is the product. She does the production work on a real double-entry ledger, you talk to her wherever you already are, and she brings you the exceptions. A person reviews and signs every filing. Neither approach is wrong. If you like to look at a polished dashboard and click into it, Digits is a strong version of that. If you would rather ask a question and get the answer, that is what Finn is for.
Both sit on a real ledger, which matters. Plenty of AI accounting tools wrap an assistant around somebody else's books. Digits and AccountsOS both own the ledger underneath.
Where Digits is ahead, plainly
Bank connections. Digits states coverage of 12,000+ banks, cards and payroll providers in the US. Open banking is not live in AccountsOS yet. Today we take bank data by CSV and PDF statement import, with direct connections to providers such as Mercury, Wise and Stripe. If automatic feeds from every bank are a must-have, this is a real gap.
US depth. Digits is built for one country and it shows: bill pay, invoicing, multi-entity accounting with unlimited entities, and a firm programme with certification and a directory. Our US coverage is newer and narrower than a product that only does the US.
Scale of adoption. Digits cites 7,000+ accountants and business owners on its own site. We do not publish user counts of our own, so we will not set numbers against each other that we cannot show you.
Where AccountsOS is ahead
Reach and filing. Digits does not file taxes, and it serves only the US. AccountsOS files VAT through MTD, is on HMRC's list of MTD VAT software, and e-files accounts and confirmation statements at Companies House. A person reviews and signs each one.
Price at the low end. Digits starts at $65 a month. A sole trader on AccountsOS pays £10 a month, and a limited company £20 a month. In the US our own prices are $12 a month and $24 a month.
Where you talk to it. Finn works in web chat, voice, WhatsApp, Slack, Telegram and email. We also run an MCP server (read and write, 94 tools), so you can query your books from Claude. Digits includes its developer API and MCP on every plan; its site does not say whether the MCP can write.
What each one costs, worked through
Digits prices in US dollars on public plans. AccountsOS prices are shown in the currency of the market. For a US business we show our US price so the comparison is like for like, and for the UK we show sterling. The practice row prices 50 live clients on each side.
| Who you are | AccountsOS | Digits |
|---|---|---|
| One limited company, US | $24 a month | $65 a month on Essentials, $100 on Core. Extra entities are free up to 250 transactions a year, then from $35 a month. |
| One sole trader, US | $12 a month | $65 a month. The Essentials plan is the entry point; no cheaper tier is listed. |
| One limited company, UK | £20 a month | Not available. Digits serves US entities only. |
| A practice with 50 clients Digits lists free books for the firm itself on its top plan. | $750 a month ($15 per live client a month), no seat fees | $3,250 a month if all 50 clients are on Essentials ($65 each). Digits bills each client at its own plan rate, with no seat fees. Volume discounts are by contract. |
Digits figures from digits.com/pricing, checked on 2 Nov 2026. Digits has a 30-day free trial; AccountsOS has 14 days, no card for founders and 30 days, no card for practices. The AccountsOS prices shown carry no added tax. Digits says sales tax may apply depending on location.
AccountsOS vs Digits, row by row
| Feature | AccountsOS | Digits |
|---|---|---|
| Countries | 32 countries live | US-based entities only |
| Own double-entry ledger | Yes | Yes, its AI general ledger |
| Bank connectionsDigits is ahead here | CSV and PDF import, plus Mercury, Wise and Stripe. Open banking is not live yet. | 12,000+ banks, cards and payroll providers, per Digits |
| Files tax returns | MTD VAT live. Companies House accounts and confirmation statements e-filed. A person signs each one. | No. Exports a tax package; partners file. |
| How you work with it | Chat, voice, WhatsApp, Slack, Telegram, email | Web and native iPhone and iPad apps |
| AI month-end close | Yes. Finn reviews and flags; you clear and lock. | Yes, Agentic Close |
| Bill pay and invoicingDigits is ahead here | Invoices and bills yes. Paying a bill happens at your bank. | Both built in, with approvals |
| Dimensional accounting, budget vs actuals | Budget vs actual reporting available | Dimensional accounting on Core. Budget vs actuals on Pro, listed as coming soon. |
| MCP and API | Read and write, 94 tools | Developer API and MCP on all plans; read or write not stated |
| Starting price | $12 a month (US sole trader), $24 a month (US company) | $65 a month |
| Free trial | 14 days, no card | 30 days |
| Firm pricing model | £12 per live client a month (UK rate), banding down above 100 clients | Per client at that client's plan; no seat fees; free firm books |
| Who reviews filings | A person: you or your accountant | Your preparer or a Digits partner accountant |
Checked on 2 Nov 2026. Sources are listed at the bottom of this page.
Moving between them
If you are in the US and on Digits, there is little reason to leave unless price or channels matter more to you than bank coverage. If they do, export your transactions and chart of accounts as CSV and import them into AccountsOS. Our importer maps arbitrary column layouts with AI, so you do not have to reformat the file first.
If you are in the UK and landed on Digits by searching, the answer is that it will not take you. Start with your bank statements as CSV or PDF, or bring your history across from Xero, QuickBooks or Sage. Finn builds the opening position and asks you about anything she cannot place.
In either direction, run both side by side for a month before you cancel. Check the VAT and year-end numbers against each other, then close the old one.
Questions people ask
Is Digits available in the UK?
What is the best Digits alternative for a UK business?
How much does Digits cost compared with AccountsOS?
Does Digits file taxes?
Does Digits have an API or MCP?
Where is AccountsOS behind Digits?
Sources
Checked on 2 Nov 2026. Vendor pages change, so check the source before you decide.
- Digits pricing and FAQ (plans, US-only, no tax filing, firm pricing, MCP) (opens in a new tab)
- Digits homepage (agentic ledger, bank coverage, user claim) (opens in a new tab)
AccountsOS figures come from our own pricing page and are not repeated by hand. Competitor figures are in their own currency.
More AI-native comparisons
See what Finn does with your books
Free for 14 days, no card. Bring a bank statement and see the ledger Finn builds from it.