Softwr

Accounting · head to head

Moneybird vs Moss

Moneybird logo

Moneybird

Accounting

Dutch online bookkeeping software for freelancers and growing entrepreneurs

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 Moneybird has a free tier, so it costs nothing to try first.
  • Each has a real cost: Moneybird compact tier severely limits functionality with only 5 monthly transactions; 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 Moneybird and Moss actually diverge.

Attributes where Moneybird and Moss differ
AttributeMoneybirdMoss
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 Moneybird

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.

Moneybird

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

Moss

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

Where each one falls short

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

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)

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

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

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 Moneybird if

  • You want to start without paying.
Moneybird 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 Moneybird or Moss better?
Neither clearly leads. Moneybird 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, Moneybird or Moss?
Moneybird has a free tier; the other does not. Paid plans start at Free for Moneybird and On request for Moss.
Does Moneybird or Moss run on more platforms?
Moneybird runs on Web. Moss runs on Web, iOS, Android.
Can I use Moneybird for free?
Yes. Moneybird has a free tier, so you can try it without paying. Moss starts at On request.
What is Moneybird best used for?
Moneybird is most often used for freelancer bookkeeping, small business accounting, growing entrepreneur accounting, full-featured bookkeeping management. Of those, freelancer bookkeeping and small business accounting are not what Moss is typically brought in for.
What can Moneybird do that Moss cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Answered from the vendors’ own pages

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
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.

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
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.

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
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.

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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