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: Free for accountants and bookkeepers to join, offering practice management tools and potential discounts for clients. Additional Usage Fees Manage Workpapers & Compliance Tasks Easily | Xero UK

While included in Premium plans, if you are on a lower tier and need to invoice in a different currency, you will likely have to upgrade to the Premium tier, which is a significant price jump (often $20-$30 more per month).

: For businesses that need employees to snap photos of receipts and submit claims, expect a small monthly charge per active user. Third-Party App Costs

Many accountants are Xero partners. They get a 25% discount on subscriptions, which they can pass to you—or keep for themselves. If an accountant bills you for Xero, ask to see the receipt. You can often pay Xero directly for less. Conversely, if you use a partner, your fees may be lower, but you lose direct control over cancellation.