Xero Alternatives

Discover 19 sovereign European alternatives to Xero with European data residency and digital sovereignty.

Why Switch from Xero to an EU Alternative?

  • Data stored in the EU - Your data never leaves European borders
  • Built with GDPR in mind - Privacy-first design
  • Digital sovereignty - Reduce dependency on non-EU tech providers
  • Self-hosting options - Many alternatives offer on-premise deployment

European Xero Alternatives (19)

  • Exact

    Accounting and ERP software.

    📍 Netherlands • Accounting & Finance
  • Pennylane

    Accounting and finance platform.

    📍 France • Accounting & Finance
  • Holded

    Business management suite for SMBs.

    📍 Spain • Accounting & Finance
  • FreeAgent

    One product. 17 years. 250+ employees. Over 200,000 users. There’s so much to say about it all. But here’s the version that fits the character limit. We’re F

    📍 United Kingdom • Accounting & Finance
  • Kleer

    With Kleer's Finance-as-a-Service (FaaS) model, customers get a complete solution for financial and payroll management that is industry-focused and combines smart automation.

    📍 Sweden • Accounting & Finance
  • Bokio

    Bokio was founded in Gothenburg in 2015 with the goal of creating an innovative accounting service to free up time for entrepreneurs who want to focus on their business.

    📍 Sweden • Accounting & Finance
  • Sage

    Accounting software for SMBs.

    📍 United Kingdom • Accounting & Finance
  • Tide

    Tide helps SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a compreh

    📍 United Kingdom • Accounting & Finance
  • Wolters Kluwer

    Wolters Kluwer (EURONEXT: WKL) is a global leader in information, software solutions, and services for professionals in healthcare; tax and accounting; financia

    📍 Netherlands • Accounting & Finance
  • SpeedLedger

    SpeedLedger makes it easier to run a small business. By automating day-to-day accounting, SpeedLedger helps more than 25,000 small business owners save time and stay organized.

    📍 Sweden • Accounting & Finance
  • Cegid

    Cegid is the European leader in cloud management solutions for finance (cash management, taxation, ERP), human resources (payroll, talent management), accountin

    📍 France • Accounting & Finance
  • Holvi

    Holvi offers small businesses, from freelancers to micro businesses and growing startups, a home for their finances. With a business account and Mastercard, inv

    📍 Finland • Accounting & Finance
  • Faktuurtje

    Invoices in one sentence — ready to send in seconds.

    📍 Netherlands • Accounting & Finance
  • Flowdock AI

    AI-powered back-office automation platform helping SMBs manage subscriptions, contracts, assets, invoices, and operations.

    📍 Finland • Accounting & Finance
  • Tailride

    Tailride provides AI-powered software for automating invoice and receipt extraction from emails and web portals.

    📍 Luxembourg • Accounting & Finance
  • EasyBiz

    EasyBiz provides AI streamlined incorporation and accounting services tailored for entrepreneurs in Luxembourg.

    📍 Luxembourg • Accounting & Finance
  • Hiflow

    An all-in-one ERP for freelancers and SMEs to manage projects, timesheets, quotes, and invoicing, including Peppol compliance.

    📍 Belgium • Accounting & Finance
  • Spiris | Visma

    Flexible accounting platform for Swedish businesses (formerly Visma Spcs). Combines bookkeeping, invoicing, and payroll with smart automation.

    📍 Sweden • Accounting & Finance
  • DATEV

    Cooperative-owned software provider for tax professionals, auditors, and SMEs. Core platform for accounting, payroll, and ERP in the DACH region.

    📍 Germany • Accounting & Finance

Frequently Asked Questions

What are the best European alternatives to Xero?
The top European alternatives to Xero include Exact, Pennylane, Holded. All are sovereign, EU-built options with European data hosting.
Do these Xero alternatives offer EU data residency?
Yes, the European alternatives listed on European Tech Map are EU-built and offer European data hosting options to keep your data in the EU. Many are also built with GDPR in mind.
Can I self-host these Xero alternatives?
Many European alternatives offer self-hosting options for complete data control. Check each company's page for specific deployment options.
Why switch from Xero to a European alternative?
European alternatives offer digital sovereignty, EU data residency, independence from US tech, and often stronger privacy protections than US-based services.

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