Softwr

Accounting · head to head

FreeAgent vs Moss

FreeAgent logo

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From
Free
Rated
-
Full reviewWebsite
Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only FreeAgent has a free tier, so it costs nothing to try first.
  • Each has a real cost: FreeAgent introductory pricing shown is 50% off the regular rates; Moss pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which FreeAgent and Moss actually diverge.

Attributes where FreeAgent and Moss differ
AttributeFreeAgentMoss
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsWebWeb, iOS, Android

Identical on both: 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 FreeAgent

Nothing recorded that Moss does not also cover.

Only in Moss

  • Corporate credit cards
  • Invoice management
  • Employee reimbursements
  • DATEV export
  • Accounting preparation
  • Budgets and teams
  • Receipt matching
  • Multi entity

What people use each for

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

FreeAgent

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

Moss

  • A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot FreeAgent
  • A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot FreeAgent
  • A business consolidating supplier invoice approval and card spend into one approval chainnot FreeAgent
  • A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot FreeAgent

Where each one falls short

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

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)

Moss

  • Pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.
  • Card limits are underwritten, so early stage companies and businesses with thin filed accounts are routinely offered limits well below what they need and the limit can be reduced on review.
  • Coverage is European and weighted to DACH, so any group with United States or Asian entities has to run a second card programme and reconcile two systems.
  • Invoice management is capable but not a full procurement or purchase order system, so businesses needing three way matching against goods receipts will find it thin.
  • As a non bank the credit product depends on partner banks and funding lines, which means the terms behind your limit are set by a party you do not contract with and can change without you being the cause.

Pricing, plan by plan

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)

Moss

On request
  • Moss$undefined/year
    • Platform fee plus per user components, quoted per customer
    • Card limits set by underwriting against company financials
    • DATEV export and accounting preparation included in core plans

Which should you pick?

Choose FreeAgent if

  • You want to start without paying.
FreeAgent review

Choose Moss if

  • You need corporate credit cards.
  • You work on Web, iOS, Android.
  • You also want invoice management.
Moss review

Questions people ask

Is FreeAgent or Moss better?
Neither clearly leads. FreeAgent starts at Free and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FreeAgent or Moss?
FreeAgent has a free tier; the other does not. Paid plans start at Free for FreeAgent and On request for Moss.
Does FreeAgent or Moss run on more platforms?
FreeAgent runs on Web. Moss runs on Web, iOS, Android.
Can I use FreeAgent for free?
Yes. FreeAgent has a free tier, so you can try it without paying. Moss starts at On request.
What is FreeAgent best used for?
FreeAgent is most often used for submitting vat and self assessment tax returns to hmrc directly, splitting rental income and expenses across multiple properties automatically, collecting invoice payments faster through one-click payments and reminders, capturing bills and receipts via ai to auto-categorize expenses. Of those, submitting vat and self assessment tax returns to hmrc directly and splitting rental income and expenses across multiple properties automatically are not what Moss is typically brought in for.
What can FreeAgent do that Moss cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Answered from the vendors’ own pages

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
Moss: Does Moss issue credit or prepaid cards?

Credit in its core German offer, settled monthly against an underwritten limit, rather than requiring a pre funded balance.

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
Moss: Is DATEV export genuinely automatic?

Yes, bookings and receipt images export in DATEV format, which is the main reason German finance teams choose it over non German tools.

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
Moss: Does Moss work outside Europe?

Not meaningfully. Coverage centres on Germany, Austria, the Netherlands, the UK and Spain, so global groups need a second provider.

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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