Softwr

Communication & Collaboration · head to head

Flock vs Xero

Flock logo

Flock

Communication & Collaboration

Organized team communication platform

From
Free
Rated
-
Full reviewWebsite
Xero logo

Xero

All industries

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Only Flock has a free tier, so it costs nothing to try first.
  • Each has a real cost: Flock the Starter plan only makes the most recent 10,000 messages searchable and caps public channels at 10; Xero the Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • They diverge on capability: Flock covers Team chat, Xero covers Bank reconciliation.

Where they differ

Only the attributes on which Flock and Xero actually diverge.

Attributes where Flock and Xero differ
AttributeFlockXero
Starting priceFree$13/month
Free tierYesNo
PlatformsWeb, Windows, Macos, Ios, AndroidWeb, Ios, Android, Api
CategoryCommunication & CollaborationAll industries
Founded20142006

Identical on both: pricing model (subscription), user rating (Not yet rated).

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 Flock

  • Team chat
  • Channels
  • Threads
  • File sharing
  • Polls
  • Integrations
  • Slack
  • Zapier

Only in Xero

  • Bank reconciliation
  • Invoicing
  • Bill payment
  • Expense claims
  • Financial reporting
  • Inventory tracking
  • Project tracking
  • Stripe

Both cover

  • Mobile apps
  • SOC2

What people use each for

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

Flock

  • Team messaging with channels, direct messages and file sharingnot Xero
  • Running polls, to-dos and reminders inside a chat workspacenot Xero
  • Video conferencing and screen sharing for small teamsnot Xero

Xero

  • Small business bookkeeping, invoicing and bank reconciliationnot Flock
  • Bill payment and purchase order managementnot Flock
  • Sharing books with an accountant or bookkeepernot Flock

Where each one falls short

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

Flock

  • The Starter plan only makes the most recent 10,000 messages searchable and caps public channels at 10
  • Starter storage is 5 GB for the entire team, against 10 GB per member on Pro and 20 GB per member on Enterprise
  • Starter allows a single team admin and a single approved domain
  • Group video calls and screen sharing require the Pro plan; Starter is limited to 1-1 video calls
  • Group video calls are capped at 20 participants even on Enterprise
  • Single Sign-On and Active Directory sync are Enterprise only
  • Enterprise is quote only, with no published rate, and is positioned for organisations with 100 or more members
  • Unlimited auto-join and announcement channels require Enterprise; Starter and Pro get one of each

Xero

  • The Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • Invoices created by connected app partners count against the Early plan invoice limit
  • Multiple currencies, project time and cost tracking, employee expense and mileage claims and industry benchmarking are restricted to the top Established plan at $90 per month
  • Cash flow forecasting is capped at 30 days on Early and 60 days on Growing, with 180 days only on Established
  • Payroll is not included in any plan and costs an extra $36 a month plus $6 per employee or contractor through Gusto
  • Inventory Plus is a paid optional add-on rather than part of any plan
  • The advertised 90% off applies only to the first 6 months, after which the regular $25, $55 or $90 monthly price auto-renews
  • The introductory discount excludes add-ons, usage charges and payment fees
  • Payment fees apply to online invoice payments and to bill payments other than standard domestic ACH, and are billed on top of the subscription
  • Subscriptions are billed monthly with no annual payment option, and after upgrading you must wait one month before downgrading to a cheaper plan
  • Xero states subscription prices are increasing from October 1, 2026

Pricing, plan by plan

Flock

Free
  • FreeFree
    • Unlimited chats
    • Channels
    • File sharing
  • Pro$5/month
    • Everything in Free
    • Advanced search
    • API access

Xero

$13/month
  • Early$13/month
    • Send 20 invoices
    • Enter 5 bills
    • Reconcile bank transactions
  • Growing$37/month
    • Unlimited invoices & bills
    • Bulk reconcile transactions
    • Short-term cash flow
  • Established$70/month
    • Everything in Growing
    • Use multiple currencies
    • Track projects

Which should you pick?

Choose Flock if

  • You need team chat.
  • You want to start without paying.
  • You work on Web, Windows, Macos, Ios, Android.
  • You also want channels.
Flock review

Choose Xero if

  • You need bank reconciliation.
  • You work on Web, Ios, Android, Api.
  • You also want invoicing.
Xero review

Questions people ask

Is Flock or Xero better?
Neither clearly leads. Flock starts at Free and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Flock or Xero?
Flock has a free tier; the other does not. Paid plans start at Free for Flock and $13/month for Xero.
Does Flock or Xero run on more platforms?
Flock runs on Web, Windows, Macos, Ios, Android. Xero runs on Web, Ios, Android, Api.
Can I use Flock for free?
Yes. Flock has a free tier, so you can try it without paying. Xero starts at $13/month.
What is Flock best used for?
Flock is most often used for team messaging with channels, direct messages and file sharing, running polls, to-dos and reminders inside a chat workspace, video conferencing and screen sharing for small teams. Of those, team messaging with channels, direct messages and file sharing and running polls, to-dos and reminders inside a chat workspace are not what Xero is typically brought in for.
What can Flock do that Xero cannot?
Flock covers Team chat, Channels, Threads, File sharing. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims. Both handle Mobile apps, SOC2.
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