Business banking integrations comparison: Xero, QuickBooks and FreeAgent
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Quick answer
This page is the integrations matrix: which business accounts link to which accounting software, and how. “Listed” means the provider names that software on its own site; “Check provider” means we couldn’t confirm it on 3 October 2026.
Our pick for the widest confirmed coverage: Allica Bank (Sage, Xero, QuickBooks and FreeAgent) and Monzo Business Pro or Team (Xero, QuickBooks, FreeAgent and Sage). Our pick for real-time Xero feeds on a no-fee account: Starling.
Integrations matrix
| Provider | Xero | QuickBooks | FreeAgent | Sage | Monthly fee |
|---|---|---|---|---|---|
| Starling | Listed (real-time) | Listed | Listed | Via Sage’s own bank feeds (check Sage) | No monthly fee |
| Monzo Business | Listed (Pro and Team) | Listed (Pro and Team, via Open Banking) | Listed (Pro and Team) | Listed (Pro and Team) | Pro £9 a month; Team from £25 |
| Tide | Direct feed (every 24 hours) | Check Tide | Check Tide | Check Tide | Free plan available |
| Revolut Business | Bank feed (every 4 to 6 hours) | Check Revolut | Check Revolut | Check Revolut | From £10 a month |
| Mettle (NatWest) | Check Mettle | Check Mettle | Included (one transaction a month) | Check Mettle | No monthly fee |
| NatWest | Check NatWest | Check NatWest | Free with a business current account | Check NatWest | Free switching period available |
| Allica Bank | Listed | Listed | Listed | Listed | £25 a month below £10,000 average balance |
| ANNA | Syncs with Xero | Check ANNA | Check ANNA | Check ANNA | Free plan available |
| Barclays | Check Barclays | Check Barclays | Check Barclays | 12 months free, then 50% off | £8.50 a month after 12 months |
| Santander (Business Current Account – Classic) | 6 months free (offer) | Check Santander | Check Santander | Check Santander | £9.99 a month after 12 months |
Figures as of 3 October 2026, taken from each provider’s own website. Fees, plans and eligibility change, so check the provider before applying.
Who it’s for
- Businesses committed to one accounting package
- Accountants advising clients on bank choice
- Owners moving software and checking their bank still connects
- Anyone comparing feed refresh speeds
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You don’t use accounting software
- You want a guided account choice — see business accounts with accounting integrations
- You use niche software — check with your software provider’s bank list
- You need help setting up a feed — contact your software provider
Full explanation
Feed types
Direct feeds run on an agreement between bank and software and tend to be reliable with good transaction detail. Open Banking feeds use regulated data access; QuickBooks connects to Monzo this way. Some software also offers indirect feeds via aggregators — Sage, for example, checks Starling daily.
Check from the software side too
Xero, QuickBooks, FreeAgent and Sage each publish their own lists of supported banks. If a bank isn’t listed in your software, you can usually import CSV or OFX statements instead.
Choosing
If you’ve already chosen software, pick from accounts with a confirmed feed. If you haven’t, an account that includes software (Mettle, NatWest) can save a monthly subscription. More in Business accounts with accounting integrations and Accounting and bookkeeping software.
Questions? See the Business integrations FAQs.
The catch
Plan restrictions: Monzo’s integrations sit on Pro and Team, not the free Lite plan.
Refresh speeds differ: real-time (Starling to Xero), every 4 to 6 hours (Revolut to Xero), every 24 hours (Tide to Xero).
Free software is time-limited or conditional: Barclays’ Sage offer is 12 months free, then 50% off; Mettle’s FreeAgent needs one transaction a month.
Check a provider’s integrations page:
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
Which business bank accounts connect to QuickBooks?
Starling, Monzo Business (Pro and Team) and Allica list QuickBooks. Check other providers directly.
Which accounts connect to FreeAgent?
Starling, Monzo Business (Pro and Team) and Allica list FreeAgent; Mettle and NatWest include it free with conditions.
What does “Check provider” mean in the table?
We couldn’t confirm that integration on the provider’s own website on 3 October 2026.
Is a real-time feed better?
It keeps your books current, which helps cashflow tracking. Daily feeds are fine for most small businesses.
What if my bank has no feed?
Most software lets you import statements as CSV or OFX files.
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