Xero vs Hubdoc: Which Accounting Software Wins in 2025? 

Are you tired of piles of paper cluttering your desk?

Do you wish managing your business finances were simpler and faster?

Many small business owners feel the same way!

Choosing the right accounting software can feel overwhelming. 

This article will break down the key differences between Xero vs Hubdoc to help you decide which software is best for your business needs.

Overview

We’ve spent time exploring both Xero and Hubdoc.

Putting them through their paces with everyday business tasks.

This hands-on experience allows us to provide a clear.

Side-by-side comparison to help you understand which software might be the better fit for how you work.

What is Xero?

So, what’s the deal with Xero?

It’s basically online accounting software that helps small businesses manage their money.

Think of it as your digital bookkeeper!

Also, explore our favorite Xero alternatives…

Key Benefits

• Automatically imports daily bank transactions.
• Send professional invoices and get paid faster.
• Run over 50 types of financial reports.
• Connect with over 1000 other business apps.

Pricing

• Starter: $2.90
• Standard: $4.60
• Premium: $6.90

What is Hubdoc?

Okay, so what about Hubdoc?

Think of it as your automatic document collector.

It grabs your bills and statements from different online places. Pretty handy, right?

Also, explore our favorite Hubdoc alternatives…

Key Benefits

Hubdoc shines when it comes to getting your documents in order. Here are some of its best features:

• It can automatically fetch documents from over 800 different banks, suppliers, and online services.
• You can easily upload documents by taking a picture with your phone or sending an email.
• It helps you say goodbye to manual data entry by pulling key information from your documents.
• Hubdoc works smoothly with popular accounting software like Xero and QuickBooks Online.
• It keeps all your important financial documents securely stored in the cloud.

Pricing

• Annually Subscription: $24

Feature Comparison

It’s time to get into the specifics.

Here’s a breakdown of how Xero and Hubdoc compare, feature by feature.

This will help you see where each software excels and where they differ.

1. Data Capture and Entry of Financial Documents

• Xero: While Xero allows you to upload bills and receipts, some manual data entry is involved. You can scan documents or upload them, and Xero can extract some information, but it’s not fully automatic.
• Hubdoc: Hubdoc excels at capture data automatically. It retrieves financial documents (like bills and receipts and statements) from supplier websites. This eliminates most manual data entry.

2. Transaction Management

• Xero: You can create transactions in Xero from the data it extracts from uploaded documents, or you can enter them manually. Xero handles various transaction types, like invoices and payments. You see your transactions in Xero.
• Hubdoc: Hubdoc doesn’t manage transactions directly. It prepares the data for export to Xero, extracting information and preparing it for Xero to process.

3. Supplier Management

• Xero: Xero lets you manage supplier details, track what you owe them, and process payments. It’s a full bookkeeping system.
• Hubdoc: Hubdoc focuses on collecting documents from suppliers, making it easier to gather what you need for Xero.

4. Bank Reconciliation

• Xero: Xero has strong bank reconciliation features, letting you match bank transactions with your recorded income and expenses.
• Hubdoc: Hubdoc helps by providing the necessary documents to make bank reconciliation in Xero easier, especially with bills and receipts.

5. Mobile App Access

• Xero: Xero has a robust mobile app, letting you manage your finances, send invoices, and capture receipts on the go.
• Hubdoc: Hubdoc also has a mobile app, primarily for uploading documents like receipts while you’re out and about.

6. User Roles and Permissions

• Xero: Xero provides detailed user roles, so you can control who has admin access and what users can see and do within the software.
• Hubdoc: Hubdoc also has user roles and permissions, allowing you to manage who can access and upload documents. It’s less complex than Xero’s.

7. Bookkeeping and Compliance

• Xero: Xero is a complete bookkeeping system that helps you manage your accounts, track your financials, and stay in compliance with regulations.
• Hubdoc: Hubdoc aids with compliance by securely storing your financial documents and ensuring your records are up-to-date.

What to Look For When Choosing Accounting Software?

Here’s a quick checklist:

• Ease of use and navigation.
• Integration with other business tools.
• Scalability as your business grows.
• Customer support availability and quality.
• Security features to protect your data.
• Reporting capabilities to understand your finances.
• Whether it offers a free trial period.

Final Verdict

So, who wins in the Hubdoc vs Xero showdown?

It depends on what you need most.

If you want to automate data extraction and focus on document management.

Hubdoc is a great choice.

But if you need full-fledged accounting software to manage your business finances, you should use Xero.

We recommend Xero for most small businesses because it provides a complete accounting solution.

Our hands-on testing has shown us that the combo of both can seriously boost your efficiency.

More of Xero

• Xero vs Puzzle IO: Puzzle IO focuses on AI-powered automation for financial tasks, while Xero offers broader accounting.
• Xero vs Dext: Dext specializes in data extraction from receipts and invoices, while Xero is a full accounting platform.
• Xero vs Synder: Synder automates sales data syncing from e-commerce platforms into Xero for easier reconciliation.
• Xero vs Easy Month End: Easy Month End streamlines month-end reporting, whereas Xero provides comprehensive accounting.
• Xero vs Docyt: Docyt automates bookkeeping tasks with AI, while Xero offers a wide range of accounting features.
• Xero vs RefreshMe: I couldn’t find enough information to provide a comparison.
• Xero vs Sage: Sage emphasizes compliance and traditional accounting, while Xero has a modern, user-friendly interface.
• Xero vs Zoho Books: Zoho Books offers strong core accounting, especially for small businesses, while Xero is better for growing businesses.
• Xero vs Wave: Wave is free for basic accounting, while Xero charges a monthly fee for more advanced features.
• Xero vs Quicken: Quicken is for personal finance, while Xero is designed for business accounting.
• Xero vs Expensify: Expensify focuses on expense management, while Xero offers a full suite of accounting tools.
• Xero vs QuickBooks: QuickBooks is known for its user-friendly design and live support, while Xero has a wider range of integrations.
• Xero vs AutoEntry: AutoEntry automates data entry from invoices and receipts, while Xero is a comprehensive accounting solution.
• Xero vs FreshBooks: FreshBooks excels in invoicing, while Xero offers more features and unlimited users, better for larger businesses.
• Xero vs NetSuite: NetSuite is an ERP for larger enterprises, while Xero is tailored for small to medium-sized businesses.

More of Hubdoc

• Hubdoc vs Puzzle IO: Puzzle IO offers broader AI-powered finance automation beyond just document capture.
• Hubdoc vs Dext: Dext also specializes in automated data extraction from documents with robust features.
• Hubdoc vs Synder: Synder focuses on syncing e-commerce sales data, not primarily document capture like Hubdoc.
• Hubdoc vs Easy Month End: Easy Month End helps with reporting, while Hubdoc automates document collection.
• Hubdoc vs Docyt: Docyt uses AI for wider bookkeeping automation, including document handling.
• Hubdoc vs RefreshMe: I couldn’t find enough information to provide a comparison.
• Hubdoc vs Sage: Sage offers document management features, but its primary focus isn’t automated data retrieval like Hubdoc.
• Hubdoc vs Zoho Books: Zoho Books includes document attachment but lacks Hubdoc’s automated fetching.
• Hubdoc vs Wave: Wave offers basic receipt scanning, but Hubdoc has more advanced automated capture.
• Hubdoc vs Quicken: Quicken is for personal finance and doesn’t have business document automation like Hubdoc.
• Hubdoc vs Expensify: Expensify excels in expense reporting with receipt scanning, similar to some Hubdoc features.
• Hubdoc vs QuickBooks: QuickBooks offers receipt capture, but Hubdoc’s automation for various document types is stronger.
• Hubdoc vs AutoEntry: AutoEntry is a direct competitor, specializing in automated data entry from documents.
• Hubdoc vs FreshBooks: FreshBooks allows receipt attachment, but Hubdoc automates the collection process more thoroughly.
• Hubdoc vs NetSuite: NetSuite, an ERP, has document management but not Hubdoc’s specific automation focus.

Frequently Asked Questions