# Banana Accounting — Accounting

Banana Accounting by Banana.ch SA holds a panel rating of 2.5/5 from 6 AI judges (category median 1.5/5), as of 2026-10-21. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: Banana.ch SA (https://www.banana.ch)
- Category: [Accounting](https://whats-best.ai/software/accounting.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/accounting/banana-accounting
- Alternatives: https://whats-best.ai/software/accounting/banana-accounting/alternatives ([markdown](https://whats-best.ai/software/accounting/banana-accounting/alternatives.md))
- Data as of: 2026-10-21 · evaluated 2026-10-21 · oldest source captured 2026-10-20

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Banana.ch SA
- Headquarters: Not stated on the vendor’s pages as of 20 Oct 2026
- Data hosting: Not stated on the vendor’s pages as of 20 Oct 2026
- Free plan: Yes, per the vendor’s own page [S1]

## The panel's verdict

Banana Accounting, from Banana.ch SA of Switzerland, is a spreadsheet-style double-entry bookkeeping program you download and run locally without registration. Its strongest showing is bookkeeping core, where all six judges scored 7 on the strength of SKR templates (03 and 04, also 49 and 81), a booking journal, cost centres with separate closes per business area, fixed assets with automatic depreciation bookings, multi-currency, and bookings that can be locked via blockchain. Tax and filings scored 3 to 4: the VAT advance return is a printout analogous to the ELSTER online form, and we found no public information on electronic ELSTER submission, OSS or reverse charge. Sovereignty is weakest at 2 to 3 — the contracting entity is Swiss and no sovereignty attributes are on record — with judges weighing the locally-held files differently. GoBD compliance scored 4 to 5: the blockchain lock is described as a working mechanism, while we found no public information on a Verfahrensdokumentation, retention or an auditor export. Pricing transparency scored 5 to 6; prices are public, though the captured pages give different figures for the full version.

**Speaks for it:**
- A genuine double-entry ledger with SKR templates (03, 04, 49 and 81), a booking journal, cost centres with separate closes, automatic depreciation bookings and multi-currency
- Closed and verified bookings can be locked via blockchain, making post-close alteration detectable
- Bank statements import from ISO20022, MT940 and PayPal files, with auto-completion rules and digital receipts linkable to each booking
- A DATEV export file with DATEV- and ELSTER-compatible tax keys transmits the books to the Steuerberater
- Public three-plan pricing — free up to 70 transactions with the Cash Book unlimited, Professional at CHF 89/year + VAT, Advanced at CHF 179/year — with unlimited files and client accounts on one subscription

**Held against it:**
- The VAT advance return is a printout analogous to the ELSTER online form, and we found no public information on electronic ELSTER submission, OSS or reverse charge
- We found no public information on automatic bank feeds, OCR receipt capture or ZUGFeRD/XRechnung e-invoicing
- We found no public information on a Verfahrensdokumentation, change history, retention statement or a GoBD export for the Betriebsprüfer
- We found no public information on adviser login, receipt images in the DATEV export, or which plan includes the DATEV export
- The captured pages give different figures for the full version — CHF 89/year + VAT versus Vollversion ab €60,--/Jahr

**Best for:**
- You want a genuine double-entry ledger with German SKR charts (03 and 04, also 49 and 81) that runs locally without registration and whose files open in later versions
- You manage several entities or client accounts — one subscription covers unlimited files and unlimited client accounts
- You hand the books to your Steuerberater as a DATEV export file and are prepared to key the VAT return into ELSTER yourself
- Your turnover sits within the up-to-100'000 CHF band the vendor suggests for Professional at CHF 89/year + VAT

**Avoid if:**
- You need electronic VAT submission — the pages show the advance return only as a printout analogous to the ELSTER online form
- Your workflow depends on automatic bank feeds, OCR receipt capture or ZUGFeRD/XRechnung e-invoicing — the captured import is file-based (ISO20022, MT940, PayPal)
- You require an EU contracting or hosting arrangement — ask the vendor: the public pages we read do not show it
- Your auditor expects a vendor-supplied Verfahrensdokumentation and a GoBD data export — the compliance mechanism presented on the pages is the blockchain lock

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price.

| Criterion | The Bookkeeper | The Tax Adviser | The Auditor | The Founder | The Integrator | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Bookkeeping core | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 |
| GoBD, immutability & audit | 2/5 | 2/5 | 2.5/5 | 2/5 | 2/5 | 2/5 |
| Tax handling & filings | 2/5 | 2/5 | 2/5 | 1.5/5 | 2/5 | 2/5 |
| Receipts, banking & matching | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| Tax adviser handoff | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| European sovereignty | 1.5/5 | 1.5/5 | 1.5/5 | 1/5 | 1.5/5 | 1/5 |
| Pricing transparency | 2.5/5 | 2.5/5 | 3/5 | 3/5 | 2.5/5 | 3/5 |
| **Weighted verdict** | **2.5/5** | **2.5/5** | **2.5/5** | **2/5** | **2/5** | **2.5/5** |

### The judges

- **The Bookkeeper** (v1.0): Posts the month and closes it. Wants a real ledger with SKR03/04, recurring entries, cost centres and a close that locks. Judges receipt capture by how many exceptions are left after the automation, not by the demo video.
- **The Tax Adviser** (v1.0): Closes the year for forty clients and needs the books to arrive in a form DATEV accepts, receipts attached. Reads "export to CSV for your Steuerberater" as an admission that nobody asked one. Wants scoped access and a clean period handover.
- **The Auditor** (v1.0): Arrives with a Betriebsprüfung and asks for the data export and the Verfahrensdokumentation. Wants postings that cannot be altered after the fact, corrections booked as reversals, a complete change history, and retention that survives the full statutory period.
- **The Founder** (v1.0): Runs a twelve-person company and does the books on a Sunday. Wants bank feeds that match themselves, invoices out in a minute, and the VAT return submitted without learning ELSTER. Will pay for the hour saved, and notices when the headline price was not the invoice.
- **The Integrator** (v1.0): Connects the books to the shop, the payment provider and the payroll system. Wants a documented API, e-invoicing both directions, and imports that reconcile rather than duplicate. Reads a Zapier logo as an outsourced integration.
- **The Skeptic** (v1.0): Has seen "GoBD-konform" printed on pages that offer no documentation to back it, and wants the feature that makes it true. Also reads for the booking limit, the tier where DATEV export appears, and what an extra bank account costs.

## European sovereignty — proven facts

No sovereignty finding yet.

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Integrations**
- Bank import: ISO20022 · MT940 · PayPal [S3]
- Excel: yes [S3]

**Legal**
- Copyright: Switzerland · Banana.ch SA [S2]

**Pricing**
- Advanced price: 179 · annual · CHF [S1]
- Advanced recommendation: 100000 [S1]
- Free modules: Cash-Manager · Time-Sheet [S3]
- Free no registration: no · no [S1]
- Free plan download: Free · Professional · Advanced · yes [S3]
- Free tier: yes · 70 · yes · yes [S1]
- Licenses sold: 400000 [S3]
- Professional price: 89 · annual · CHF · yes [S1]
- Professional recommendation: 100000 [S1]
- Trial bookings: yes · 60 · 70 [S3]

**Product**
- Accounting types: Double-entry · Income & Expenses · Multi-currency · Cash Manager [S1]
- Accounting types: Kassenbuch · EÜR · Bilanzierung · Offene Posten · Anlagen · Lager [S3]
- Advanced features: Automatic transactions · Filter and temporary Sort rows · Swiss VAT Report · PDF with attachments · Reminders and delivery notes [S1]
- Auto completion rules: Auto-completion Rules for imported bank statements [S1]
- Auto updated balances: Results update automatically when entering bookings; final or forecast balances shown immediately [S2]
- Bank import: yes [S1]
- Bank import: Import of bank or credit card movements and linking with digital documents [S2]
- Blockchain lock: Bookings can be locked via blockchain for compliant bookkeeping [S2]
- Blockchain locking: Blockchain-based GoBD-compliant locking of bookings [S3]
- Bulk invoicing: yes [S3]
- Compatibility: yes [S1]
- Contextual help: yes [S3]
- Cost centers: Cost centers and Segments [S1]
- Cost centers: yes [S3]
- Datev export: yes [S3]
- Debtors creditors inventory: Debtors/creditors, goods management, invoicing, reminder system [S3]
- Digital documents: Digital receipts can be linked to each booking or account [S3]
- Digital links: Digital links to PDFs [S1]
- Elster datev: datev · elster [S3]
- Feature modules: Accounting · Reporting · VAT management · Invoicing · Planning · Inventory · Time Sheet [S1]
- Fixed assets: yes [S3]
- Forecasts and accounting: Manages both financial forecasts and bookkeeping [S2]
- Forensic and forecasting: Financial forecasting, investment accounting, forensic accounting [S1]
- Free plan paid upgrade: yes [S1]
- Income expense accounting: Income/expense accounting instead of debit/credit [S3]
- Languages: English · French · German · Italian · Spanish · Portuguese · Dutch · Chinese [S1]
- Languages: 8 [S3]
- Liquidity planning: yes [S3]
- Multi client: yes [S1]
- Multi currency: yes [S3]
- Plans: 3 plans: Free, Professional, Advanced [S1]
- Platforms: Windows · Mac OS · Linux · iOS · Android [S3]
- Private business combined: yes [S3]
- Readyprepared columns: New files come ready with preconfigured columns for chart of accounts, bookings and forecasts [S2]
- Report export formats: pdf · html · xml · txt · jscv · excel [S3]
- Reports: Balance sheet, P&L and other reports printable [S1]
- Reports: Automatic professional accounting reports [S2]
- Skr charts: §4 Abs. 3 EStG · 03 · 04 · 49 · 81 [S3]
- Spreadsheet like: Spreadsheet-style accounting with tables instead of booking masks [S3]
- Template library: Hundreds of template files available [S3]
- Templates: Predefined templates [S1]
- Time tracking: yes [S3]
- Unlimited files: yes [S1]
- VAT advance return: yes [S3]

**Support**
- Documentation: yes [S1]
- Documentation: online index · help functions · sample templates · tutorials [S3]
- Webinars: free · yes [S3]

## Questions

### Is Banana Accounting European?

Not determined: the vendor’s pages as captured do not say where Banana Accounting is based.

### Where does Banana Accounting store data?

Not stated on the vendor’s pages as of 20 Oct 2026.

### Does Banana Accounting have a free plan?

Yes. Banana Accounting has a free plan, per [the vendor’s page captured 20 Oct 2026](https://whats-best.ai/evidence/9142).

### What are the best alternatives to Banana Accounting?

As of 21 Oct 2026, the panel rates [Papierkram (3.5/5)](https://whats-best.ai/software/accounting/papierkram), [sevDesk (3/5)](https://whats-best.ai/software/accounting/sevdesk) and [BuchhaltungsButler (3/5)](https://whats-best.ai/software/accounting/buchhaltungsbutler) highest among the other 24 Accounting products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Papierkram](https://whats-best.ai/software/accounting/papierkram) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Banana Accounting alternatives](https://whats-best.ai/software/accounting/banana-accounting/alternatives).

## What this page leaves out

- We found no public information on compliance on the pages we read (banana.ch, banana.ch/de/tabellen-banana-buchhaltung, banana.ch/de/de/EUER). If the vendor publishes it somewhere else, send us the page.
- 1 integrations fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.
- 1 legal fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.
- 1 product fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.

## Sources

- [S1] Vendor page: https://www.banana.ch (checked 2026-10-20)
- [S2] Bookkeeping core — found from sitemap: https://www.banana.ch/de/tabellen-banana-buchhaltung (checked 2026-10-20)
- [S3] Tax handling & filings — found from sitemap: https://www.banana.ch/de/de/EUER (checked 2026-10-20)

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Cite as: whats-best.ai, "Banana Accounting — Accounting", AI panel analysis, as of 2026-10-21. https://whats-best.ai/software/accounting/banana-accounting

Corrections: https://whats-best.ai/correct/859?target=page