Monzo Business vs Visma Netvisor: Complete Comparison (2026)
An in-depth comparison of Monzo Business and Visma Netvisor to help you choose the right tool for your business.
Last updated: November 2026
Monzo Business
6.5/10
Monzo Business is an app-based UK business bank account for sole traders and limited companies. It includes invoicing, Tax Pots, expense cards and accounting software bank feeds.
Visma Netvisor
5.9/10
Finnish cloud accounting, invoicing and payroll system from Visma Solutions, aimed at Finnish SMEs, mid-size firms and the accounting offices that serve them.
Feature-by-Feature Comparison
| Feature | | V Visma Netvisor |
|---|---|---|
| Scores | ||
| Overall Rating | 6.5/10 | 5.9/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 8/10 | 5/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 9/10 | 6/10 |
| Integration | 6/10 | 6/10 |
| Scalability | 3/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 6/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £9/mo Pro | €25/mo Basic |
| Estimated cost for 10 users | £25/mo Team | €25/mo Basic |
| Features | ||
| Financial Reporting | ||
| General Ledger | ||
| Payroll | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
Monzo Business vs Visma Netvisor cost by team size
| Team size | Monzo Business | Visma Netvisor |
|---|---|---|
| 1 user | £9/moPro | €25/moBasic |
| 5 users | £25/moTeam | €25/moBasic |
| 10 users | £25/moTeam | €25/moBasic |
| 25 users | FreeLite | €25/moBasic |
| 50 users | FreeLite | €25/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 Monzo Business
- Has a free plan (Visma Netvisor does not)
- Higher Cost score (8/10 vs 5/10)
- Higher Ease of Use score (9/10 vs 6/10)
VWhy choose Visma Netvisor
- Higher Scalability score (6/10 vs 3/10)
- Higher Analytics score (6/10 vs 4/10)
- Includes Financial Reporting, which Monzo Business lacks
- Includes General Ledger, which Monzo Business lacks
- Includes Payroll, which Monzo Business lacks
Pros & Cons
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
VVisma Netvisor
Pros
- Large Finnish accounting-office network of more than 800 partner firms, which makes outsourcing bookkeeping easy.
- Payroll, expense claims, inventory and Controller budgeting all sit in one system, sized to Finnish rules.
- Starter's flat fee covers 1,000 common transactions, which is predictable for companies with higher volumes.
- Free 30-day trial with no credit card, and it does not convert automatically to a paid plan.
- Data is hosted on AWS in Germany and Sweden, inside the EU and EEA.
Cons
- Package fees rise with the turnover band, and the official page does not show every band's price.
- Basic and Core charge per transaction, so monthly costs vary.
- The full API requires Professional or higher.
- Built for Finland, so it offers little for companies operating elsewhere.
- Visma's trust page shows no Netvisor-specific audit reports or certifications, only AWS's ISO 27001.
- Few independent user reviews were found on major review sites.
Not sold on either?
Frequently Asked Questions
Monzo Business scores higher on our Finance Software criteria: 6.5/10 against 5.9/10 for Visma Netvisor. The largest gap is in Cost: 8/10 for Monzo Business and 5/10 for Visma Netvisor.
Monzo Business has a free plan; Visma Netvisor does not list one.
Visma Netvisor has Financial Reporting, General Ledger and Payroll, which Monzo Business lacks.
