Factusol vs Starling: Complete Comparison (2026)
An in-depth comparison of Factusol and Starling to help you choose the right tool for your business.
Last updated: November 2026
Factusol
6.4/10
Windows invoicing and stock-management software from TeamSystem (Software DELSOL) for Spanish SMEs. It covers quotes to invoices, warehouses, collections, and VERI*FACTU compliance.
Starling
6.6/10
A UK digital bank business account with built-in invoicing, bookkeeping, and Making Tax Digital tax tools for sole traders and small limited companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.6/10 |
| Scalability | 5/10 | 3/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 5/10 | 6/10 |
| Security | 6/10 | 8/10 |
| Support | 6/10 | 7/10 |
| Cost | 8/10 | 9/10 |
| Customization | 7/10 | 3/10 |
| Ease of Use | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €21/mo Nube (Cloud), Digital support | £7/mo Accounting Plus |
| Estimated cost for 10 users | €27/mo Local installation | Free Business Account + Accounting Essentials |
| Features | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
Factusol vs Starling cost by team size
| Team size | Factusol | Starling |
|---|---|---|
| 1 user | €21/moNube (Cloud), Digital support | FreeBusiness Account + Accounting Essentials |
| 5 users | €27/moLocal installation | FreeBusiness Account + Accounting Essentials |
| 10 users | €27/moLocal installation | FreeBusiness Account + Accounting Essentials |
| 25 users | €27/moLocal installation | FreeBusiness Account + Accounting Essentials |
| 50 users | €27/moLocal installation | FreeBusiness Account + Accounting Essentials |
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 Factusol
- Higher Customization score (7/10 vs 3/10)
- Higher Scalability score (5/10 vs 3/10)
Why choose Starling
- Has a free plan (Factusol does not)
- Higher Security score (8/10 vs 6/10)
- Higher Ease of Use score (8/10 vs 6/10)
- Better fit for freelancers (8/10 vs 4/10)
Pros & Cons
Factusol
Pros
- Strong stock management, with multiple warehouses, lot and serial traceability, sizes and colours, and automatic supplier orders.
- Already adapted to VERI*FACTU, with TicketBAI and Factura-e support for Spanish compliance.
- Low entry price, from about 21 EUR per month in the cloud.
- Multi-company and multi-year operation, with per-user access control.
- 30-day free trial in both local and cloud versions.
Cons
- Accounting is not included and needs the separate ContaSOL product.
- Runs natively only on Windows, and the mobile app is for viewing only.
- No longer free, which is a common complaint from long-time users.
- Phone support costs considerably more, about 51 to 71 EUR per month according to reviewers.
- Users report a learning curve because of the many options.
Starling
Pros
- The business account has no monthly fee, and UK transfers, invoicing, and up to five expense cards are free.
- The free Essentials tier includes MTD for Income Tax submissions, which helps sole traders and landlords facing the April 2026 rules.
- VAT returns can be filed to HMRC from inside the banking app for £7 a month until April 2027.
- Bank feeds connect to Xero, QuickBooks, and FreeAgent.
- UK-based support is available 24/7 in the app, and Finder ranked it highly for customer satisfaction in 2026.
Cons
- It is not a full accounting system: there is no general ledger, payroll, or multi-entity support.
- Accountants only get view-only access.
- Only GBP and EUR accounts are available, and new USD account applications are paused.
- Eligibility is strict: directors and people with significant control must be UK residents.
- Overdrafts and loans are not available to new business customers, and there are no branches.
Not sold on either?
Frequently Asked Questions
Starling scores higher on our Finance Software criteria: 6.6/10 against 6.4/10 for Factusol. The largest gap is in Customization: 7/10 for Factusol and 3/10 for Starling.
Starling has a free plan; Factusol does not list one.
Starling is the better fit for freelancers: we rate it 8/10 for them, against 4/10 for Factusol.
