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Coutingup vs Monzia: Which Is Better Accounting Software?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Which accounting software is better Coutingup or Monzia?

We compare them based on real user reviews, prices and what features they both offer.

Coutingup homepageMonzia homepage
 

Coutingup vs Monzia Basics

CoutingupMonzia
Software WebsiteCoutingup WebsiteMonzia Website
HMRC MTD StatusNot IncludedNot Included
Who Can Use It?Businesses, Accountants, and Self-employedBusinesses and Self-employed
HMRC Listed FeaturesNoneRecord keeping, simplified expenses and Universal Credits reporting
PlatformsAndroid, and iOSAndroid, web-based application
Note data for this section comes from HMRC here and here

Coutingup vs Monzia Reviews

Wondering if Coutingup or Monzia has better user reviews. We compared them below.

CoutingupMonzia
Trustpilot Rating4.4No Rating
Number of Trustpilot Reviews2317No Reviews
iPhone App Rating4.7No Rating
Number of iPhone Reviews2700No Reviews
Android App Rating4.5No Rating
Number of Android Reviews1280No Reviews
Please note ratings we’re accurate at the time of writing but may have since changed

Coutingup vs Monzia Prices

Which is cheaper Coutingup or Monzia? Here are their prices compared.

Coutingup pricingMonzia pricing

Free Plans & Trials

CoutingupMonzia
Free Plan?NoYes
Free Trial?YesNo
Free Trial Length?3 monthsNo
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

CoutingupMonzia
Cheapest Plan Cost Per Month£3.00£4.00
Mid-Tier Plan Cost Per Month£9.00NA
Top Plan Cost Per Month£18.00NA
Data taken from each company’s website at the time of writing but may have since changed.

Coutingup vs Monzia Features

Coutingup featuresMonzia features

Coutingup Basic Features

  • Business account
  • Automated categorisation
  • Instant notifications
  • Receipt capture
  • Invoicing & billing
  • Profit & loss
  • Tax estimate
  • Share with your accountant
  • First class support

Coutingup Software Integrations

  • Stripe

Monzia Basic Features

  • TOTAL INCOME FOR PERIOD
  • TOTAL EXPENSE FOR PERIOD
  • TOTAL PROFIT / LOSS FOR PERIOD
  • TOTAL TAX DUE FOR PERIOD
  • CUSTOM DATE RANGE (Weekly, Monthly, Quarterly)
  • BUSINESS MILEAGE DETAILS AND CALCULATION
  • ACCOUNTS FOR PENSION, TAX AND NI PAYMENTS
  • TOTALS BROKEN DOWN BY CATEGORY (ie: Fuel, Postage, Materials etc)
  • CIS PAID FOR PERIOD
  • FULL BUSINESS RECORDS AS REQUIRED BY HMRC
  • ALL CATEGORIES DETAILED WITH EVERY TRANSACTION (Full Audit Trail )
  • SORTING AND SEARCH FACILITY ON ALL TRANSACTIONS
  • UNLIMITED REPORTS DURING MEMBERSHIP PERIOD

Monzia Software Integrations

Not Listed

Common Feature Comparison

CoutingupMonzia
Payroll Software IntegrationNoNo
Track VATYesYes
VAT FilingYesYes
Real-Time Financial ReportsYesYes
Prepare Self AssessmentYesNo
Income Tax EstimatesYesYes
Manage Income & ExpensesYesYes
Create InvoicesYesNo
Forecast Cash FlowNoYes
Accept and Make Payments In Different CurrenciesYesNo
Employee Time TrackingNoNo
ProjectsNoNo
Bank Feed IntegrationYesNo
End of Year FilingsYesYes
Capture Bills And ReceiptsYesYes
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsNoNo

CoutingupMonzia
Pros
  • First 3 months are completely free
  • Free company incorporation
  • 2-in-1 banking & accounting app
  • Multiple accounts for varying needs
  • No credit checks needed to open
  • Backed by ING Bank and Sage
  • Rated ‘excellent’ on Trustpilot
  • Pay cash in at any PayPoint or Post Office branches
  • Free plan
  • Unlimited Reports During Membership Period
  • Full Business Records As Required By Hmrc
Cons
  • App-only with no desktop access
  • No overdrafts or credit facilities offered
  • One card is issued per account
  • Not protected by the FSCS
  • Free account no longer available
  • Customer support available only be email
  • Lack of reviews
  • No app

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