Clear Books vs Revolut Business: Complete Comparison (2026)
An in-depth comparison of Clear Books and Revolut Business to help you choose the right tool for your business.
Last updated: November 2026
Clear Books
5.9/10
UK cloud accounting software for sole traders, landlords, small companies and accountants, with HMRC Making Tax Digital filing, bank feeds, invoicing and payroll.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.9/10 | 6.4/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Cost | 8/10 | 6/10 |
| Customization | 4/10 | 6/10 |
| Ease of Use | 7/10 | 8/10 |
| Integration | 4/10 | 7/10 |
| Scalability | 3/10 | 7/10 |
| Security | 5/10 | 7/10 |
| Support | 7/10 | 4/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £5/mo Property | £10/mo Basic |
| Estimated cost for 10 users | Free Property Free | £10/mo Basic |
| Features | ||
| General Ledger | ||
| Accounts Payable | ||
| Expense Management | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Clear Books vs Revolut Business cost by team size
Clear Books costs less at every team size we checked.
| Team size | Clear Books | Revolut Business |
|---|---|---|
| 1 user | FreeProperty Free | £10/moBasic |
| 5 users | FreeProperty Free | £10/moBasic |
| 10 users | FreeProperty Free | £10/moBasic |
| 25 users | FreeProperty Free | £10/moBasic |
| 50 users | FreeProperty Free | £10/moBasic |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Clear Books
- Has a free plan (Revolut Business does not)
- Lower estimated cost for 10 users: Free vs £10/mo
- Higher Support score (7/10 vs 4/10)
- Higher Compliance score (8/10 vs 6/10)
- Better fit for freelancers (8/10 vs 4/10)
Why choose Revolut Business
- Higher Scalability score (7/10 vs 3/10)
- Higher Integration score (7/10 vs 4/10)
Pros & Cons
Clear Books
Pros
- Free MTD Income Tax plans for sole traders and landlords have no transaction limits.
- It is on HMRC's list of MTD-compatible software for both VAT and Income Tax Self Assessment.
- CIS reporting is built in, which suits UK construction contractors and subcontractors.
- Company plans cost £16 to £44 a month, with up to 20% off for two-year billing and no setup or per-invoice fees.
- Trustpilot reviewers rate it 4.3 out of 5 from 477 reviews and often praise quick, friendly support.
Cons
- It follows UK tax rules only, so it does not suit businesses outside the UK.
- Multi-currency, expense claims and project accounting require the top £44 Large plan.
- Users report that editing or deleting entries is awkward and that voiding is the workaround.
- Its integration ecosystem is small compared with Xero or QuickBooks.
- Some reviewers say email support replies can be slow.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 5.9/10 for Clear Books. The largest gap is in Scalability: 3/10 for Clear Books and 7/10 for Revolut Business.
Clear Books costs less for 10 users: free on its Property Free plan, against about £10/mo on its Basic plan for Revolut Business, billed monthly.
Clear Books has a free plan; Revolut Business does not list one.
Clear Books is the better fit for freelancers: we rate it 8/10 for them, against 4/10 for Revolut Business.
Clear Books has General Ledger, which Revolut Business lacks.
