Best for
Best for Dutch freelancers and small businesses that keep their own books and want bank processing, Peppol e-invoicing and the VAT return in one tool.
- Freelancers
- Small and mid-sized
Accounting & Invoicing Comparison
Moneybird vs. Papierkram
At a glance
At a glance
Best for
Best for German freelancers and sole traders who track billable hours and want invoicing and bookkeeping in the same tool.
- Freelancers
- Small and mid-sized
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | Moneybird | Papierkram |
|---|---|---|
| Starting price | lower value From €3 / month plus VAT Compact plan, billed yearly (€4 / month billed monthly), 1 user, 5 processed bank transactions a month and no linked bank account. Start €15, Growth €29 and Complete €41 per month billed yearly (€18, €35 and €49 billed monthly). Online payment methods and bank connections carry per-transaction fees. | Free; from €12.90 / month plus VAT Plan S on annual billing, €15.90 on monthly billing. Plan M is €24.90 (€29.90 monthly) and plan L €49.90 (€59.90 monthly). Extra users cost €2.90 a month, or €2.32 on annual billing. |
| Free trial | 60 days free with unlimited access to the Complete plan | Free plan with basic features and no time limit |
| Users | More than 300,000 freelancers and SMEs | Not stated |
| API | Yes, an API on every plan | REST API (beta) on plans M and L, metered by credits |
| Hosting | Cloud (SaaS) | Cloud (SaaS), developed, hosted and operated in Germany in TÜViT-certified data centres |
| Made in | Netherlands | Germany |
| Invoicing and quotes | Yes, branded invoices and quotes, recurring invoices and subscriptions (not on Compact), automatic reminders, online payment by iDEAL, SEPA direct debit, card, Apple Pay, Google Pay and Bancontact, and sending via Peppol | Yes, quotes, invoices, delivery notes, down-payment and recurring invoices, XRechnung and ZUGFeRD e-invoices, three reminder levels, and a customer portal with GiroCode and PayPal payment links |
| Bookkeeping and bank feeds | Yes, links to more than 1,700 European banks (5 on Growth, unlimited on Complete) with automatic transaction processing, ledger accounts, and assets and depreciation | Yes, bank and PayPal accounts synced under PSD2 or imported as MT940 or CAMT and matched against invoices and receipts, a cash book, SKR03 or SKR04, and GoBD certification on the paid plans |
| Expenses and receipts | Yes, smart document processing and receipt scanning in the mobile app, UBL invoices and Peppol receiving, and paying purchase invoices from Moneybird | Yes, receipts by personal email inbox or the mobile app, with MagicSuggest reading e-invoices and the AI-assisted MagicSuggest+ extracting data from photos and scans, and receipts rebilled to customers or projects |
| Tax and compliance | Yes, VAT overview, ICP declaration and an electronic VAT return filed directly with the tax authorities, the return from the Start plan (Netherlands) | Yes, the VAT advance return (UStVA) with an ELSTER XML download, the EU sales list (ZM) and the EÜR, plus DATEV export and DATEV data services for the tax adviser (Germany; not suited to Austrian or Swiss filing) |
| Payroll | Not built in. Payroll runs in separate salary software, and its payroll journal entries are booked in Moneybird by hand or posted automatically through an integration with Employes, HoorayHR or Nmbrs | No payroll module is named on the feature or integration pages. Wages, salaries and statutory social costs are booked as expenses to their own accounts, and the bookings reach the tax adviser through the DATEV export and DATEV data services |
| Reports and exports | Yes, reports and a dashboard on every plan | BWA on the paid plans, extended BWA and custom report periods from plan M, cash flow, a financial overview per project, and weekly and per-employee time reports |
| Integrations and API | Yes, an API and connections to other tools on every plan | REST API (beta) on plans M and L, with 10,000 and 20,000 credits; DATEV data services and PSD2 bank access on every paid plan |
| AI features | No | stated Yes |
| Deployment | Cloud (SaaS), Browser-based | Cloud (SaaS), Browser-based |
| Support | Email helpdesk | Email helpdesk |
| Onboarding | more entries Documentation and knowledge base, Video tutorials, Live online demos and webinars | Documentation and knowledge base, Video tutorials |
| Company size | Freelancers, Small and mid-sized | Freelancers, Small and mid-sized |
| Integrations | more entries Shopify, WooCommerce, Magento 2, PrestaShop, Lightspeed, Bol.com, Mollie, Stripe, PayPal, MultiSafepay, SumUp, Zettle, Employes, HoorayHR, Nmbrs, TimeChimp, Simplicate, Teamleader, Picqer | DATEV, ELSTER, PayPal |
Add a tool
Adds a column to the table, from the tools in this category.
Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.
The short version
Key Differences
- Starting price Moneybird From €3 / month plus VAT Papierkram Free; from €12.90 / month plus VAT
- Free trial Moneybird 60 days free with unlimited access to the Complete plan Papierkram Free plan with basic features and no time limit
- Hosting Moneybird Cloud (SaaS) Papierkram Cloud (SaaS), developed, hosted and operated in Germany in TÜViT-certified data centres
- Made in Moneybird Netherlands Papierkram Germany
- AI features Moneybird No Papierkram Yes
Every line is one datapoint from the table above, picked automatically. Nothing here is written text.
The trade-offs
Strengths and Limitations
Moneybird
Strengths
- 60-day trial with full access to the top plan
- E-invoices sent and received over Peppol, and UBL invoices processed, on every plan
- Electronic VAT return filed directly from the software
- API and accountant access included on every plan
Limitations
- Plans are capped by processed bank transactions per month, not just users
- The Compact plan has no linked bank account and no electronic VAT return
- Online payment methods and bank connections carry per-transaction fees on top of the plan
Papierkram
Strengths
- Time tracking and project budgets built in, with tracked hours turned into invoices
- A free plan with no time limit
- DATEV data services plus an ELSTER XML for the VAT return
- Developed, hosted and operated in Germany
Limitations
- Tax reports follow German rules and do not cover Austria or Switzerland
- The REST API is still in beta and needs plan M or L
- Plan S connects at most two bank accounts and reads 15 receipts a month with AI
- Support requests go through a web form; the phone line takes no support calls
Plans
Pricing
Moneybird
- Compact €3 / month plus VAT Billed yearly (€4 / month billed monthly). 1 user, 5 processed bank transactions a month, no linked bank account, 1 sales invoice, 3 smart document scans. No recurring invoices and no electronic VAT return.
- Start €15 / month plus VAT Billed yearly (€18 / month billed monthly). 1 user, 20 processed bank transactions a month imported manually, unlimited sales invoices, electronic VAT return.
- Growth €29 / month plus VAT Billed yearly (€35 / month billed monthly). 5 users, 5 linked bank accounts, 50 processed bank transactions a month.
- Complete €41 / month plus VAT Billed yearly (€49 / month billed monthly). Unlimited users, linked bank accounts and processed transactions.
Papierkram
- Free €0 Basic bookkeeping with quotes, invoices and receipts; documents carry a Papierkram logo, 100 MB of storage.
- S €15.90 / month plus VAT €12.90 a month on annual billing. Bank sync for up to 2 accounts, 15 AI-read receipts a month, UStVA, EÜR, BWA, DATEV, time tracking and the mobile app, 1,000 MB of storage.
- M €29.90 / month plus VAT €24.90 a month on annual billing. Unlimited bank accounts and AI-read receipts, team time tracking, customer portal, extended BWA, REST API with 10,000 credits, up to 5 users, 2,500 MB of storage.
- L €59.90 / month plus VAT €49.90 a month on annual billing. Everything in M with unlimited users, REST API with 20,000 credits and 10,000 MB of storage.
What users say
Review Scores · opens after launch
Moneybird
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
Papierkram
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
How we check reviews
Reviews are not published yet. The form on a tool's page works and reaches us, but nothing from it appears on this site, so no score here is based on a review. The rules below are the ones that will apply once reviews go live.
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Where this comes from
Where this comes from
Moneybird https://www.moneybird.com · checked against the official source on 2026-09-25
Papierkram https://www.papierkram.de · checked against the official source on 2026-10-22
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.