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Ember vs FEXCO: Which Is Better Accounting Software?


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

Which accounting software is better Ember or FEXCO?

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

Ember homepageFEXCO homepage
 

Ember vs FEXCO Basics

EmberFEXCO
Software WebsiteEmber WebsiteFEXCO Website
HMRC MTD StatusNot IncludedNot Included
Who Can Use It?Businesses and Self-employedBusinesses
HMRC Listed FeaturesNoneEmployee expense automation
PlatformsWeb-based application, Android, and iOSAll/web based
Note data for this section comes from HMRC here and here

Ember vs FEXCO Reviews

Wondering if Ember or FEXCO has better user reviews. We compared them below.

EmberFEXCO
Trustpilot Rating4.8No Rating
Number of Trustpilot Reviews213No Reviews
iPhone App Rating4.3No Rating
Number of iPhone Reviews37No Reviews
Android App Rating2.9No Rating
Number of Android Reviews42No Reviews
Please note ratings we’re accurate at the time of writing but may have since changed

Ember vs FEXCO Prices

Which is cheaper Ember or FEXCO? Here are their prices compared.

Ember pricingFEXCO pricing

Free Plans & Trials

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

Paid Plan Prices

EmberFEXCO
Cheapest Plan Cost Per MonthFreeNot Listed
Mid-Tier Plan Cost Per Month£39.00NA
Top Plan Cost Per Month£79.00NA
Data taken from each company’s website at the time of writing but may have since changed.

Ember vs FEXCO Features

Ember featuresFEXCO features

Ember Basic Features

  • Expenses
  • Invoicing
  • Integrations
  • Reporting
  • Reminders
  • Open Banking
  • Self Assessment
  • Annual Accounts
  • Registered Address
  • Discounts

Ember Software Integrations

  • Tide
  • Markel
  • Lawbite
  • Revolut
  • Wise
  • Reef

FEXCO Basic Features

  • Currency Conversion Solutions
  • International Payments
  • Outsourcing Services
  • Retail FX
  • Asset Finance
  • Strategic Business Development

FEXCO Software Integrations

  • Agresso
  • Oracle
  • SAP

Common Feature Comparison

EmberFEXCO
Payroll Software IntegrationYesNo
Track VATYesNo
VAT FilingYesNo
Real-Time Financial ReportsYesYes
Prepare Self AssessmentYesNo
Income Tax EstimatesYesNo
Manage Income & ExpensesYesNo
Create InvoicesYesNo
Forecast Cash FlowYesYes
Accept and Make Payments In Different CurrenciesYesYes
Employee Time TrackingNoNo
ProjectsNoNo
Bank Feed IntegrationYesYes
End of Year FilingsYesNo
Capture Bills And ReceiptsYesNo
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsYesNo

EmberFEXCO
Pros
  • Ember offers its free account to both sole traders and limited companies.
  • Ember’s Pro plan for sole traders is one of the cheaper paid accounts on the market.
  • The Pro and Unlimited plans are Making Tax Digital-compliant.
  • Ability to submit VAT tax returns directly to HMRC with the Pro and Unlimited plans.
  • Every Ember plan comes with discounts on other business tools and services.
  • Dynamic Currency Conversion
  • Leading retail provider of FX services across the UK and Ireland
  • Omnichannel solutions for card payments and alternative payment methods
Cons
  • The free Starter plans are not MTD-compliant, and you will not be able to sign up for that plan if your business is VAT-registered. This means you cannot submit your VAT returns directly to HMRC if you are on a free plan.
  • There is currently no multi-user access, regardless of which plan you are on.
  • Ember’s full payroll function is only available to limited companies paying for the Unlimited plan and as a paid extra
  • There is no built-in cash-flow forecasting function, regardless of your plan.
  • Lack of reviews
  • No app
  • No pricing on website

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