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 £30/month for the Standard plan most businesses need, rising to £42–55/month once you add expenses, projects and multi-currency. Switching saves £120–420 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.

One CSV to switch

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

Xero charges £30–55 a month to give you the tools to do your own books. 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.

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 23 countries.

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

Or see the full Xero comparison

HMRC

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Cash position

£104,200

+£8,400 this week

VAT due

£8,450

7 May, ready to file

Corp tax

£12,840

Due 1 Jan 2027

Expenses

£3,280

14 receipts this month

Revenue

£47,600

+12% vs last month

Invoice #1043 sent to Acme Ltd. I'll chase it if it runs late.

Reconciled 38 transactions from Revolut. All matched.

Payroll run for March. FPS ready for HMRC.

Your VAT return is ready to file. £8,450 due 7 May. Want me to submit it?

12 receipts categorised and filed this week.

Moved the Northwind deal to Won, £14,000.

You can claim £840 in home office expenses this year. Shall I add them?

Month-end closed. Books balance, nothing needs you.

I spotted a duplicate charge of £49.99 from Adobe. Want me to flag it?

One Finn, doing the whole job your Xero plan leaves to you.

You're paying Xero to do your own bookkeeping

Xero

£30–55/mo

£30 for the plan most need, £42–55 once you add expenses, projects and multi-currency. 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 £120 to £420 a year.

Xero + add-ons£660/yr

£55/mo · expenses, projects, multi-currency

Xero Standard£360/yr

£30/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

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.

1
Export one CSV from Xero
Accounting > Reports > Account Transactions > Export as CSV. That's the only file you need.
2
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.
3
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.

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.
Annual accounts prepared for Companies House. You review, then file.
Talk to your books in plain English, on WhatsApp, Slack, Telegram or email.
£20/month flat, no per-feature add-ons, no annual price hikes.

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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