🇬🇧 The Modern Xero Alternative for UK Businesses

The Best Xero Alternative for UK Agencies & Growing Businesses

Escape Xero’s strict invoice limits, expensive per-organization fees, and clunky add-ons. Finviva gives you a lightning-fast AI financial operating system built for the UK.

TrueLayer FCA Open Banking
GoCardless BACS Direct Debit
HMRC MTD-Ready VAT
Unlimited
Invoice Limits

Zero invoice volume caps on all plans (Xero limits to 20/mo on Starter)

Up to 12
Companies Included

Manage multiple UK Ltd companies under one flat subscription

Included
Built-in AI Vision

Zero third-party Hubdoc/Dext add-on fees

Interactive Fee & Time Savings Calculator

Calculate Your Agency's Exact Savings

See how much your UK agency saves by switching from credit cards (Stripe) to GoCardless Direct Debit & AI Bookkeeping.

£20,000
£3,000/mo£50,000/mo£100,000+/mo
8 Clients
1 Client20 Clients40+ Clients
Annual Fee Savings
£3,936

£328 saved every month

Time Reclaimed
14 Hours

Saved per month on invoice chasing

Fee Comparison
Stripe (Cards):£362/mo
GoCardless BACS:£34/mo
Fee Reduction:~91% Lower
* Transparent calculation based on official published rates: GoCardless UK BACS Direct Debit (1.0% + 20p, strictly capped at £4.00 max) vs Stripe UK/Intl card processing (1.5%–2.5% + 20p).
Zero setup fees
14-day free trial
Claim Your £3,936 Savings Today

Why UK Agencies & Consultancies Choose Finviva

Autonomous financial operations built to solve the exact bottlenecks of UK service businesses.

No Invoice Volume Caps

Send as many invoices as you need without being forced into expensive tier upgrades.

Native Open Banking & Direct Debit

Built-in TrueLayer live bank feeds and GoCardless retainer collections out of the box.

Multi-Ltd Company Management

Run multiple UK Private Limited Companies under one login with isolated ledgers.

Why UK Founders & Agencies Are Switching from Xero

Faster, smarter, and built with modern AI.

Uncapped Growth

Zero Invoice Throttling

Xero Starter limits you to only 20 invoices per month. Finviva gives you unlimited invoicing standard.

60s Migration

1-Click CSV Migration

Export contacts, Chart of Accounts, and historical invoices from Xero and import them into Finviva in 60s.

Lightning Fast

Sub-50ms Navigation Speed

Built on Next.js 14 server components for instant page loads and zero loading spinners.

Frequently Asked Questions

Everything you need to know about setting up UK accounting, Open Banking, and Direct Debit retainers.

Q: Can I import my data from Xero to Finviva?

Yes. Finviva includes a dedicated 1-Click Xero Importer that maps your Chart of Accounts, clients, and invoice history in seconds.

Q: Is Finviva suitable for UK VAT registered businesses?

Yes. Finviva handles standard 20%, 5% reduced, and 0% zero-rated VAT with automated quarterly reporting.

Join 500+ UK Agencies & Consultancies

Start Saving Time & Transaction Fees Today

14-day free trial. Instant setup with Barclays, Monzo, Revolut & GoCardless. Cancel anytime.