Softwr

Accounting · head to head

Cledara vs Moneybird

Cledara logo

Cledara

Accounting

Software subscription management with a virtual card per application, priced from £100 a month

From
£100/month
Rated
-
Full reviewWebsite
Moneybird logo

Moneybird

Accounting

Dutch online bookkeeping software for freelancers and growing entrepreneurs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Moneybird has a free tier, so it costs nothing to try first.
  • Each has a real cost: Cledara control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.; Moneybird compact tier severely limits functionality with only 5 monthly transactions
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Cledara and Moneybird actually diverge.

Attributes where Cledara and Moneybird differ
AttributeCledaraMoneybird
Starting price£100/monthFree
Pricing modelPer month by number of applicationssubscription
Free tierNoYes

Identical on both: 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 Cledara

  • Virtual card per subscription
  • Cancel by card
  • Application inventory
  • Approval workflow
  • Invoice collection
  • Accounting export
  • Spend optimisation module
  • IT management and compliance modules

Only in Moneybird

Nothing recorded that Cledara does not also cover.

What people use each for

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

Cledara

  • A finance team that cannot say what software the company pays for because everything is on three people's company cardsnot Moneybird
  • A company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellationnot Moneybird
  • A startup wanting approval on new software purchases before the first charge rather than at the auditnot Moneybird
  • A finance function that spends days each month chasing SaaS invoices for the accountantnot Moneybird

Moneybird

  • Freelancer bookkeepingnot Cledara
  • Small business accountingnot Cledara
  • Growing entrepreneur accountingnot Cledara
  • Full-featured bookkeeping managementnot Cledara

Where each one falls short

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

Cledara

  • Control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.
  • Tier limits are set by number of applications rather than headcount, and twenty applications on the Basic plan is fewer than most companies of fifty actually run, so buyers often land on a higher tier than the entry price suggests.
  • The modules that turn it from a payment layer into a management platform, spend optimisation, IT management and compliance, are each priced at £150 to £200 a month, comparable to the base plan itself.
  • Usage data is inferred from payment and integration signals rather than deep application telemetry, so its judgement of whether a tool is underused is weaker than a discovery product built on single sign-on and API usage.
  • It is a card issuer as well as a software vendor, which adds financial counterparty considerations and means a change in its banking arrangements would affect how the company pays every one of its suppliers.

Moneybird

  • Compact tier severely limits functionality with only 5 monthly transactions
  • Bank connections limited to 5 on Start and Groei tiers until Compleet level
  • Multi-user support only available starting at Groei tier (29 EUR/month)

Pricing, plan by plan

Cledara

£100/month
  • Basic$100/month
    • Up to 20 software applications
    • Virtual card per subscription
    • Application inventory and approvals
  • Premium$undefined/month
    • Up to 75 software applications
    • Typically 51 to 150 staff
    • 1% cashback in the first year, capped at the subscription cost
  • Pro$undefined/month
    • For organisations above roughly 150 staff
    • Scoped individually
    • 1% cashback in the first year, capped at plan cost
  • Add-on modules$200/month
    • Spend Optimization £200 a month or £1,500 a year
    • IT Management £150 a month or £1,500 a year
    • Software Compliance £150 a month or £1,500 a year

Moneybird

Free
  • Compact$3/month
    • 1 user
    • 5 monthly transactions limit
    • 0 bank connections
  • Start$15/month
    • 1 user
    • 20 monthly transactions
    • 5 bank connections
  • Groei$29/month
    • 5 users
    • 50 monthly transactions
    • 5 bank connections
  • Compleet$41/month
    • Unlimited users
    • Unlimited monthly transactions
    • Unlimited bank connections

Which should you pick?

Choose Cledara if

  • You need virtual card per subscription.
  • You also want cancel by card.
Cledara review

Choose Moneybird if

  • You want to start without paying.
Moneybird review

Questions people ask

Is Cledara or Moneybird better?
Neither clearly leads. Cledara starts at £100/month and Moneybird at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Cledara or Moneybird?
Moneybird has a free tier; the other does not. Paid plans start at £100/month for Cledara and Free for Moneybird.
Does Cledara or Moneybird run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Moneybird for free?
Yes. Moneybird has a free tier, so you can try it without paying. Cledara starts at £100/month.
What is Cledara best used for?
Cledara is most often used for a finance team that cannot say what software the company pays for because everything is on three people's company cards, a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation, a startup wanting approval on new software purchases before the first charge rather than at the audit, a finance function that spends days each month chasing saas invoices for the accountant. Of those, a finance team that cannot say what software the company pays for because everything is on three people's company cards and a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation are not what Moneybird is typically brought in for.
What can Cledara do that Moneybird cannot?
Cledara covers Virtual card per subscription, Cancel by card, Application inventory, Approval workflow.

Answered from the vendors’ own pages

Cledara: What does it cost?

Basic is £100 a month for up to 20 applications, with Premium covering up to 75 and Pro above that. Add-on modules are £150 to £200 a month each, and annual payment saves 16%.

Moneybird: How much does Moneybird cost and what free trial is available?

Plans start at EUR 3/month for Compact tier, with a 60-day free trial offering full Compleet access (EUR 41/month value) at no cost. Annual billing offers up to 25% discount across all tiers.

Source
Cledara: Does it find software we did not tell it about?

Only what passes through its cards or connected integrations. Subscriptions paid by invoice or another card stay hidden, which is the main limitation of the model.

Moneybird: What user limits exist across different Moneybird plans?

Compact and Start tiers are limited to 1 user. Groei supports 5 users. Compleet tier has unlimited users, making it the only option for multi-team organizations.

Source
Cledara: How does cancelling work?

You cancel the virtual card for that subscription, which stops the payment. It does not remove your contractual obligation, so check notice periods.

Moneybird: How many transactions can I process monthly on each Moneybird tier?

Compact allows 5 transactions/month, Start allows 20, Groei allows 50, and Compleet allows unlimited transactions. Transaction limits reset monthly.

Source
Cledara: Is the application limit by users or by tools?

By tools. Twenty on Basic, seventy-five on Premium. Count your actual subscriptions before assuming the entry price applies to you.

Moneybird: Do Moneybird plans have bank connection limits?

Compact tier has zero bank connections. Start and Groei tiers each support 5 bank connections. Only the Compleet tier (EUR 41/month) offers unlimited bank connections.

Source
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