Freebe vs Starling Comparison
Compare Freebe vs Starling features, pricing, and more.
Last updated: November 2026
Freebe
5.9/10
French invoicing and admin tool for micro-entrepreneurs, freelancers and small companies, covering quotes, invoices, bank sync, Urssaf filings and VAT threshold tracking.
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 | 5.9/10 | 6.6/10 |
| Scalability | 3/10 | 3/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 4/10 | 6/10 |
| Security | 5/10 | 8/10 |
| Support | 7/10 | 7/10 |
| Cost | 8/10 | 9/10 |
| Customization | 4/10 | 3/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | Contact for pricing | £7/mo Accounting Plus |
| Estimated cost for 10 users | Contact for pricing | Free Business Account + Accounting Essentials |
| Features | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
Freebe vs Starling cost by team size
| Team size | Freebe | Starling |
|---|---|---|
| 1 user | Contact for pricing | FreeBusiness Account + Accounting Essentials |
| 5 users | Contact for pricing | FreeBusiness Account + Accounting Essentials |
| 10 users | Contact for pricing | FreeBusiness Account + Accounting Essentials |
| 25 users | Contact for pricing | FreeBusiness Account + Accounting Essentials |
| 50 users | Contact for pricing | 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 Freebe
- Higher Analytics score (5/10 vs 4/10)
- Higher Customization score (4/10 vs 3/10)
Why choose Starling
- Has a free plan (Freebe does not)
- Higher Security score (8/10 vs 5/10)
- Higher Integration score (6/10 vs 4/10)
- Better fit for small business (8/10 vs 5/10)
Pros & Cons
Freebe
Pros
- One all-inclusive plan, about 12.50 euros a month on annual billing, with unlimited usage
- Files Urssaf revenue and contribution declarations automatically for micro-entrepreneurs
- Charges no commission on online card and transfer payments
- Bank sync with more than 450 banks feeds the income ledger automatically
- Reviewers say human chat and email support responds quickly
Cons
- Not a double-entry accounting tool, so it has no general ledger or balance sheet
- Reviewers report limited invoice customization and limited reporting
- The native mobile app was discontinued in 2023, leaving browser access only
- Some reviewers say development has slowed in recent years
- Less proven for SAS and SARL companies than for micro-enterprises
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 5.9/10 for Freebe. The largest gap is in Security: 5/10 for Freebe and 8/10 for Starling.
Starling has a free plan; Freebe does not list one.
Starling is the better fit for small business: we rate it 8/10 for them, against 5/10 for Freebe.
