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. sevdesk
At a glance
At a glance
Best for
Best for German freelancers and small businesses that keep their own books and want e-invoicing, bank sync and ELSTER filing without paying for a plan they have not grown into yet.
- Freelancers
- Small and mid-sized
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | Moneybird | sevdesk |
|---|---|---|
| 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 for up to 3 invoices per month, otherwise from €11.90 / month plus VAT Billed monthly, per month plus VAT: Rechnung €11.90, Buchhaltung €25.90 and Buchhaltung Pro €34.90. Annual billing lowers these to €9.90, €22.90 and €30.90 per month, and a 24-month term lowers them further. sevdesk additionally advertises a promotional discount on top of these rates. |
| Free trial | 60 days free with unlimited access to the Complete plan | 14 days free, no credit card required, alongside a permanently free plan limited to 3 invoices per month |
| Users | More than 300,000 freelancers and SMEs | More than 130,000 companies |
| API | Yes, an API on every plan | Yes, a REST API, available from the Buchhaltung Pro plan |
| Hosting | Cloud (SaaS) | Cloud (SaaS) |
| 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 and invoices from customisable templates, with XRechnung and ZUGFeRD e-invoices and payment reminders |
| 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, online banking for more than 4,000 banks with automatic transaction matching, and single or double-entry bookkeeping |
| 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, AI-assisted receipt capture through the mobile app or by email |
| 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, VAT advance return (UStVA), EÜR and P&L filed to ELSTER directly, plus DATEV-compliant and ADDISON exports for the tax adviser (Germany) |
| 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, sevdesk does not produce payroll or salary statements |
| Reports and exports | Yes, reports and a dashboard on every plan | Yes, BWA, trial balance lists and a real-time financial dashboard |
| Integrations and API | Yes, an API and connections to other tools on every plan | Yes, a REST API, from the Buchhaltung Pro plan |
| AI features | No | stated Yes |
| Deployment | Cloud (SaaS), Browser-based | Cloud (SaaS), Browser-based |
| Support | Email helpdesk | more entries Email helpdesk, Phone, Chat |
| Onboarding | Documentation and knowledge base, Video tutorials, Live online demos and webinars | Not stated |
| 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, ADDISON |
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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 sevdesk Free for up to 3 invoices per month, otherwise from €11.90 / month plus VAT
- Free trial Moneybird 60 days free with unlimited access to the Complete plan sevdesk 14 days free, no credit card required, alongside a permanently free plan limited to 3 invoices per month
- Support Moneybird Email helpdesk sevdesk Email helpdesk, Phone, Chat
- Made in Moneybird Netherlands sevdesk Germany
- AI features Moneybird No sevdesk 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
sevdesk
Strengths
- Permanently free plan for up to three invoices a month, no credit card
- AI-assisted receipt capture and automatic matching against bank transactions
- UStVA, EÜR and P&L filed to ELSTER directly, with DATEV and ADDISON exports
- Personal support by live chat, email and phone on the paid plans
Limitations
- No payroll: salary statements cannot be produced in sevdesk
- The REST API only comes with the top plan, Buchhaltung Pro
- Built around German tax rules, ELSTER and DATEV, so it suits German businesses specifically
- The lowest advertised rates need a 12-month or 24-month commitment
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.
sevdesk
- Kostenlos Free Permanently free, no credit card. Limited to 3 invoices or e-invoices per month, with unlimited contacts and products.
- Rechnung €11.90 / month plus VAT Billed monthly; €9.90 / month on annual billing and less on a 24-month term. Unlimited invoicing and e-invoices, templates, payment reminders, tax adviser access.
- Buchhaltung €25.90 / month plus VAT Billed monthly; €22.90 / month on annual billing and less on a 24-month term. Adds AI receipt capture, online banking, UStVA, EÜR and P&L, cash book.
- Buchhaltung Pro €34.90 / month plus VAT Billed monthly; €30.90 / month on annual billing and less on a 24-month term. Adds cost centres, the REST API and BWA reporting.
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.
sevdesk
- 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
sevdesk https://www.sevdesk.com · checked against the official source on 2026-08-27
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.