easybill vs Monzo Business: Complete Comparison (2026)

Why choose easybill

• Higher Scalability score (7/10 vs 3/10)
• Higher Customization score (6/10 vs 4/10)
• Includes Multi-currency, which Monzo Business lacks

Why choose Monzo Business

• Higher Ease of Use score (9/10 vs 6/10)
• Higher Analytics score (4/10 vs 3/10)
• Better fit for freelancers (9/10 vs 6/10)
• Includes Corporate Cards, which easybill lacks

easybill

Pros

• Imports and invoices marketplace orders from Amazon, eBay, OTTO and shop systems automatically.
• Creates XRechnung and ZUGFeRD e-invoices on every plan, including the free one.
• A permanent free plan includes DATEV export and tax-adviser access.
• Testers at experte.de rated support well, at 1.7 on the German grade scale, with fast responses.

Cons

• Not an accounting package: no ledger, profit and loss, or VAT return filings.
• Reviewers call the interface dated and say there is no mobile app.
• Recurring invoices, shop imports and dunning are locked to the higher tiers.
• Costs rise as invoice volume grows, and the Starter plan is capped at 20 contacts.

Monzo Business

Pros

• The Lite plan is free and includes Making Tax Digital software
• Pro adds invoicing, Tax Pots and live feeds to Xero, QuickBooks, FreeAgent and Sage for £9 a month
• The Team plan adds expense cards, payment approvals and bulk payments for up to 15 users
• 24/7 in-app support on every plan
• Licensed UK bank with FSCS deposit protection

Cons

• Holds GBP only, and incoming foreign currency is converted at a 1% fee
• No general ledger or financial statements, so you still need separate accounting software
• Partnerships, LLPs, charities and non-UK businesses cannot open an account
• Cash deposits cost £1 each and are capped
• Reviews report frozen accounts and slow resolution, and there is no dedicated account manager