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One CSV to switch

Switch from Xero in minutes.
£20 a month, everything included.

Xero charges £39–70 a month to give you the tools to do your own books, up from £37–65before September 2026. AccountsOS does the books for you and files your VAT to HMRC, for £20 flat. Moving over is one CSV export, and if it's fiddly we'll do it for you.

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14-day free trial · No card required · We'll import your data if you get stuck

AccountsOS is the AI accountant alternative to Xero: £20/month flat, your books done for you, VAT filed to HMRC, and your history imported from a single CSV. Live in 32 countries.

accounts-os.com/migrate

Import from Xero

Account Transactions.csv

Imported
Columns mappedDate, Contact, Description, Net, VAT, Account
Transactions posted1,284
Contacts created46
VAT history8 quarters
Finn: Your books are in. P&L and balance sheet are up to date, and I'll take the day-to-day from here.

The price gap

You're paying Xero to do your own bookkeeping

Xero

£39–70/mo

£39 for the Grow plan most need, £55–70 once you add multi-currency and more payroll seats (up from£37–65 before September 2026). You still categorise, reconcile and build the VAT return yourself.

AccountsOS

£20/mo flat

Everything included: expenses, projects, multi-currency, AI chat. Finn does the categorising, the reconciling and the VAT. You confirm and get on with the business.

The switch, in numbers

Lower bill, and the bookkeeping hours back

Figures are a typical micro-business, yours will vary.

What you pay in a year

Same job, lower bill. Switching saves £228 to £600 a year (Xero prices rose again on 1 September 2026, widening the gap further).

Xero Ultimate£840/yr

£70/mo · multi-currency, projects, more payroll

Xero Grow£468/yr

£39/mo · the plan most businesses need

AccountsOS£240/yr

£20/mo · everything included, flat

Hours back every month

The work the software leaves on your desk. Finn does it instead.

Categorising transactions~2h
Reconciling the bank~1.5h
Chasing and filing receipts~1.5h
Preparing the VAT return~2h
DIY, a typical month~7 hrs
With Finnminutes: you just review

How it works

Switching is the easy part

The thing that keeps most people on Xero is the fear of moving their data. It takes about five minutes.

01

Export one CSV from Xero

Accounting > Reports > Account Transactions > Export as CSV. That's the only file you need.

02

Upload it to AccountsOS

Finn reads the file, maps the columns automatically, creates your contacts and posts everything to your books, including your historical VAT.

03

You're done

Your P&L and Balance Sheet populate, and Finn takes over the day-to-day from there.

Get stuck? We'll do it for you. If your export is awkward, the team is flagged automatically and we'll take the file and import it for you. You don't get left half-migrated.

Coming off QuickBooks, Sage or FreeAgent instead? See how switching works.

What you gain

Same job, less work, lower bill

  • Finn does the bookkeeping: categorising, matching receipts, reconciling, instead of giving you the tools to do it.
  • VAT filed directly to HMRC under Making Tax Digital. You check a figure, not assemble one. On HMRC's list of MTD VAT software (opens gov.uk in a new tab)
  • Annual accounts prepared for Companies House. You review, then file.
  • Talk to your books in plain English, on WhatsApp, Slack, Telegram, email or a phone call.
  • £20/month flat, no per-feature add-ons, no annual price hikes.

FAQ

Frequently asked questions

How do I switch from Xero to AccountsOS?

Export your transactions from Xero as a CSV (Accounting > Reports > Account Transactions), sign up for AccountsOS, and upload the file in the Migrate tool. The AI reads the file, maps the columns automatically, creates your contacts, and posts everything to your books. If anything is fiddly, reply to our email with the export attached and we'll import it for you.

Will I lose my financial history moving from Xero?

No. Your transactions, dates, amounts, VAT and contacts come across, and they populate your P&L and Balance Sheet. Bank connections are re-established with your bank's direct feed, which takes a couple of minutes per account.

How much cheaper is AccountsOS than Xero?

AccountsOS is £20/month flat with everything included. Xero is £39/month for the Grow plan most businesses need, rising to £55–70/month once you add multi-currency and more payroll seats. Switching saves £228–600 a year before counting the time AccountsOS gives back by doing the bookkeeping for you.

Does AccountsOS file VAT to HMRC like Xero?

Yes. AccountsOS is connected to HMRC's Making Tax Digital for VAT service in production. The difference is the work: AccountsOS builds your nine-box return from your bookkeeping and you just confirm it, whereas Xero gives you the tools to prepare it yourself.

Run a practice? Pilot one client first, then bring the whole book off Xero with AI-native migration.

See practice migration

Move off Xero this week.

14-day free trial, no card. Import your Xero data in minutes, or send it to us and we'll do it.

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