MaCompta.fr vs Starling: Complete Comparison (2026)
An in-depth comparison of MaCompta.fr and Starling to help you choose the right tool for your business.
Last updated: November 2026
MaCompta.fr
6.4/10
French online accounting suite covering bookkeeping, invoicing, fixed assets, tax filings and payroll for small businesses, associations and sole traders.
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 | 4/10 | 3/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 4/10 | 6/10 |
| Security | 7/10 | 8/10 |
| Support | 6/10 | 7/10 |
| Cost | 9/10 | 9/10 |
| Customization | 4/10 | 3/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €3/mo Immobilisations | £7/mo Accounting Plus |
| Estimated cost for 10 users | €25/mo Paie | Free Business Account + Accounting Essentials |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Tax Compliance | ||
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
MaCompta.fr vs Starling cost by team size
| Team size | MaCompta.fr | Starling |
|---|---|---|
| 1 user | €25/moPaie | FreeBusiness Account + Accounting Essentials |
| 5 users | €25/moPaie | FreeBusiness Account + Accounting Essentials |
| 10 users | €25/moPaie | FreeBusiness Account + Accounting Essentials |
| 25 users | €3/moImmobilisations | FreeBusiness Account + Accounting Essentials |
| 50 users | €3/moImmobilisations | 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 MaCompta.fr
- Higher Scalability score (4/10 vs 3/10)
- Higher Analytics score (5/10 vs 4/10)
Why choose Starling
- Has a free plan (MaCompta.fr does not)
- Higher Integration score (6/10 vs 4/10)
- Higher Security score (8/10 vs 7/10)
Pros & Cons
MaCompta.fr
Pros
- Low entry prices: simplified accounting is 8 euros a month and fixed assets 3 euros a month, excluding VAT
- Built-in French tax filing by EDI for VAT, corporate tax and the liasse fiscale
- Three users included at no extra cost, which makes it easy to invite an accountant
- Validated invoices post straight to the books
- Hosted in France and reported as ISO 27001 certified
Cons
- No stock or inventory management
- Reviewers find the interface dated and the dashboard hard to customize
- Phone support costs extra, and the base support channels are email and chatbot
- Some users report duplicate entries in bank reconciliation
- Built for French rules only and payroll plans are capped at 20 employees
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 MaCompta.fr. The largest gap is in Integration: 4/10 for MaCompta.fr and 6/10 for Starling.
Starling has a free plan; MaCompta.fr does not list one.
