Softwr

Accounting · head to head

Bill.com vs FreeAgent

Bill.com logo

Bill.com

Accounting

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite
FreeAgent logo

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Bill.com limited customization of approval workflows and user permissions for complex business needs; FreeAgent introductory pricing shown is 50% off the regular rates
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Bill.com and FreeAgent actually diverge.

Attributes where Bill.com and FreeAgent differ
AttributeBill.comFreeAgent
Pricing modelUnknownsubscription
Founded2006Unknown

Identical on both: starting price (Free), free tier (Yes), platforms (Web), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Bill.com

  • AP automation
  • AR automation
  • Payment processing
  • Approval workflows
  • Document management
  • Vendor management
  • Cash flow insights
  • Mobile approvals

Only in FreeAgent

Nothing recorded that Bill.com does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Bill.com

  • Invoice processingnot FreeAgent
  • Bill paymentsnot FreeAgent
  • Vendor paymentsnot FreeAgent
  • Cash flow managementnot FreeAgent
  • Financial automationnot FreeAgent

FreeAgent

  • Submitting VAT and Self Assessment tax returns to HMRC directlynot Bill.com
  • Splitting rental income and expenses across multiple properties automaticallynot Bill.com
  • Collecting invoice payments faster through one-click payments and remindersnot Bill.com
  • Capturing bills and receipts via AI to auto-categorize expensesnot Bill.com
  • Filing Real Time Information payroll directly to HMRC for employeesnot Bill.com

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Bill.com

  • Limited customization of approval workflows and user permissions for complex business needs
  • Limited international payment capabilities compared to specialists like Tipalti
  • Customer support response times are slow, with agents often lacking product expertise

FreeAgent

  • Introductory pricing shown is 50% off the regular rates
  • All prices exclude 20% VAT
  • Add-ons required for some features (Smart Capture Unlimited £5/month, Amazon integration £6/month)

Pricing, plan by plan

Bill.com

Free
  • Essentials$49/month
    • Core AP and AR functionality
    • Manual CSV import/export
  • Team$65/month
    • Automatic 2-way sync with QuickBooks Online, Xero
  • Corporate$89/month
    • Procurement features
    • Custom approval policies
    • Sync with NetSuite, Dynamics

FreeAgent

Free
  • Sole Traders$9.5/month
    • Introductory rate (regular price £19/month)
    • Annual option at £95/year (regular £190)
  • Landlords$5/month
    • Introductory rate (regular price £10/month)
    • Annual option at £50/year (regular £100)
  • UK Partnerships/LLPs$13.5/month
    • Introductory rate (regular price £27/month)
    • Annual option at £135/year (regular £270)
  • UK Limited Companies$16.5/month
    • Introductory rate (regular price £33/month)
    • Annual option at £330/year (regular £330)

Which should you pick?

Choose Bill.com if

  • You need ap automation.
  • You want to start without paying.
  • You also want ar automation.
Bill.com review

Choose FreeAgent if

  • You want to start without paying.
FreeAgent review

Questions people ask

Is Bill.com or FreeAgent better?
Neither clearly leads. Bill.com starts at Free and FreeAgent at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or FreeAgent?
Bill.com starts at Free and FreeAgent at Free.
Does Bill.com or FreeAgent run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Bill.com for free?
Both have a free tier, so you can try either at no cost before committing.
What is Bill.com best used for?
Bill.com is most often used for invoice processing, bill payments, vendor payments, cash flow management. Of those, invoice processing and bill payments are not what FreeAgent is typically brought in for.
What can Bill.com do that FreeAgent cannot?
Bill.com covers AP automation, AR automation, Payment processing, Approval workflows.

Answered from the vendors’ own pages

Bill.com: What payment methods does Bill.com support?

Bill.com supports ACH transfers, checks, corporate cards, and international transfers. ACH payments cost $0.59 per transaction, checks cost $1.99, and card payments incur a 2.9% fee.

Source
FreeAgent: Does FreeAgent offer a free option?

FreeAgent is free for qualifying customers maintaining business accounts with NatWest, Royal Bank of Scotland, Ulster Bank, or certain Mettle accounts.

Source
Bill.com: Does Bill.com offer a free tier?

Yes. Bill.com offers a free Spend & Expense plan for access to credit lines from $1,000-$5M with corporate cards, budgets, and expense tracking.

Source
FreeAgent: What is FreeAgent's pricing for sole traders?

Sole traders pay £9.50/month (50% introductory rate; regular £19/month), or £95/year annually (regular £190/year), excluding 20% VAT.

Source
Bill.com: Which accounting systems does Bill.com integrate with?

Bill.com integrates with QuickBooks Online, QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, and Xero, with automatic two-way syncing on most plans.

Source
FreeAgent: What add-ons does FreeAgent offer?

Optional add-ons include Smart Capture Unlimited at £5/month and Amazon integration at £6/month, allowing customers to extend base plan functionality.

Source
FreeAgent: Does FreeAgent offer a trial?

FreeAgent provides a 30-day free trial with no commitment, and customers can cancel at any time during or after the trial period.

Source
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