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Accounting

Banana Accounting

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Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: not determined

0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.

by Banana.ch SA · www.banana.ch

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Banana Accounting: AI-assisted analysis on whats-best.ai Banana Accounting: AI-assisted analysis on whats-best.ai (dark)

Add ?theme=dark to the image address for dark backgrounds. The badge shows the category and the month of the latest evaluation, and EU-Made where that is the product’s provenance. It never shows a score.

Banana Accounting 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 source, captured 20 Oct 2026
Panel verdict
The AI panel rates Banana Accounting 2.5/5, the mean of 6 judges. Banana Accounting, from Banana.ch SA of Switzerland, is a spreadsheet-style double-entry bookkeeping program you download and run locally without registration. how scores are made
As of
Vendor pages captured 20 Oct 2026; evaluated by the panel 21 Oct 2026. all sources

Banana Accounting alternatives, European ones first →

Read this page as one judge. Each weighs the same scores by what they care about.

The Tax Adviser

Weighted verdict

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.

Same scores as the panel view — this lens weights them the way this judge cares.

Scored by The Tax Adviser

Panel median The Tax Adviser This judge’s scores over the panel median. Each label opens its reasoning below.
Scores per criterion, in stars out of 5
Criterion Panel median The Tax Adviser
Bookkeeping core 3.5 of 5 3.5 of 5
GoBD, immutability & audit 2 of 5 2 of 5
Tax handling & filings 2 of 5 2 of 5
Receipts, banking & matching 2 of 5 2 of 5
Tax adviser handoff 2 of 5 2 of 5
European sovereignty 1.5 of 5 1.5 of 5
Pricing transparency 3 of 5 2.5 of 5

Bookkeeping core

How this is scored

Double-entry, the chart of accounts (SKR03/SKR04), postings, journals, opening balances and period closing — the ledger underneath the pretty screens.

0 — Income-and-expense lists only; no double-entry, no chart of accounts, no journal.

3 — Simplified bookkeeping suitable for EÜR with a fixed account list; no free posting, no period close.

5 — Double-entry with SKR03/SKR04, manual postings, journals, opening balances and a month-end close.

8 — Full ledger with cost centres, recurring and reversing entries, accruals, multi-year comparatives, and a documented close checklist with locking.

10 — An accountant's ledger: configurable charts including customised accounts, period locking with audit, foreign currency with documented valuation, group or multi-entity handling, and reporting that reconciles to the trial balance.

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The Tax Adviser

This is a genuine double-entry ledger: SKR03 and SKR04 charts (also 49 and 81) for the EÜR under §4 Abs. 3 EStG, spreadsheet-style journal entry, cost centres with separate closes per business area, fixed assets with automatic depreciation bookings, multi-currency, automatic transactions, and bookings that can be locked once closed and verified. I found no public information on accruals, reversing entries, multi-year comparatives or a documented close checklist, so it sits between a solid month-end and an accountant's full close. 1 2 3

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GoBD, immutability & audit

How this is scored

Whether the record survives a tax audit: unalterable postings, complete change history, retention across the statutory period, and a Verfahrensdokumentation the vendor actually supplies.

0 — Postings can be edited or deleted without trace; no retention statement, no GoBD claim, no documentation.

3 — GoBD asserted on the marketing page with nothing behind it — no described audit trail, no documentation offered, no statement on retention.

5 — Postings become unalterable after close with corrections booked as reversals, a change log exists, and the statutory retention period is stated.

8 — Documented GoBD conformity with a supplied Verfahrensdokumentation template, complete and exportable audit trail, receipts linked to postings, and a GoBD-compliant data export (GDPdU/Z3) for the auditor.

10 — Audit-ready as a product feature: an independent GoBD certification or attestation published, Verfahrensdokumentation maintained per release, tamper-evident journals, retention executed across the full statutory period, and an export the Betriebsprüfer accepts without argument.

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The Tax Adviser

The GoBD claim is tied to something concrete — bookings can be locked via blockchain so that a compliant bookkeeping is demonstrable — which is more than a bare marketing assertion. I found no public information on a Verfahrensdokumentation, a retention statement, a change log, or a GoBD-compliant export for the Betriebsprüfer, which keeps this well short of audit-ready. 2 3

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Tax handling & filings

How this is scored

VAT logic and the filings that follow: UStVA, ELSTER submission, EÜR or Bilanz, OSS for cross-border sales, and reverse-charge handling.

0 — No VAT logic beyond a rate field; no filings, no ELSTER.

3 — VAT rates and a UStVA figure to copy out by hand; no electronic submission, no special cases.

5 — UStVA prepared and submitted electronically via ELSTER, EÜR or a simple balance sheet produced, and reverse-charge and intra-community supply handled.

8 — The above plus OSS handling for cross-border B2C, Zusammenfassende Meldung, small-business (§19) and Ist/Soll taxation, permanent extension (Dauerfristverlängerung), and E-Bilanz where relevant.

10 — The filing year is handled end to end: every routine German filing generated and submitted electronically with validation before sending, cross-border VAT determined from the transaction rather than by hand, and correction filings supported.

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The Tax Adviser

The Umsatzsteuer-Voranmeldung comes as a printout analogous to the ELSTER online form — a figure to copy out by hand — and the ELSTER reference goes only as far as ELSTER-compatible tax keys in the SKR templates; I found no public information on electronic submission, reverse charge or OSS. EÜR and Bilanzierung as accounting types with SKR charts push it a notch above bare VAT rates. 1 3

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Receipts, banking & matching

How this is scored

How evidence and money get into the ledger: bank feeds, receipt capture, OCR, matching rules, and whether the digital receipt is legally sufficient on its own.

0 — Manual entry only; no bank connection, no receipt storage.

3 — Bank statement import by file and receipt upload as plain attachments; matching is entirely manual.

5 — Automatic bank feeds for the major German banks, receipt upload with OCR, suggested matches, and receipts linked to their postings.

8 — PSD2 feeds across many institutions, rule-based automatic matching with learning, e-invoice handling (ZUGFeRD/XRechnung) both directions, and replacement scanning (ersetzendes Scannen) documented so paper can be destroyed.

10 — The evidence chain is closed: every posting reaches its receipt in one click, e-invoicing inbound and outbound as standard, documented compliant archiving of the digital original, and matching accurate enough that exceptions rather than transactions are the work.

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The Tax Adviser

Bank and credit card movements import by file in ISO20022, MT940 and PayPal formats, auto-completion rules fill missing data from imported statements, and digital receipts can be linked to each booking and account. I found no public information on automatic bank feeds, OCR, or ZUGFeRD/XRechnung e-invoice handling, so the evidence sits between file import and a modern feed with matching. 1 2 3

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Tax adviser handoff

How this is scored

How the books reach the Steuerberater — DATEV above all — and whether the adviser can work in the system rather than around it.

0 — No adviser access and no accounting export; the year-end is a pile of PDFs.

3 — Generic CSV or Excel export described as "suitable for your tax adviser", with no named format.

5 — A documented DATEV export (postings and, ideally, receipts) plus a read-only login for the adviser.

8 — DATEV export including receipt images with correct linking, or a maintained DATEV interface; the adviser gets their own scoped access with an audit of what they changed.

10 — The adviser is a first-class user: bidirectional DATEV exchange including corrections coming back, or a certified interface; period handover with locking, and a workflow where adviser queries are resolved inside the system.

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The Tax Adviser

A DATEV export file is explicitly described for transmitting the bookkeeping to the Steuerberater, and the SKR templates carry DATEV-compatible tax keys, which is above a generic CSV. I found no public information on whether receipt images travel with the export, on a scoped adviser login, or on corrections coming back — the books reach me, but the collaboration stops at the file. 3

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European sovereignty

How this is scored

Where the books live and who could be compelled to produce them — plus, uniquely here, whether statutory retention survives leaving the vendor. Independently sourced by the sovereignty pipeline.

0 — Non-EU vendor and contracting entity, hosting unstated or non-EU, subprocessors unnamed — with a ten-year retention obligation attached to data held abroad.

3 — EU hosting offered while the contracting entity is non-EU, or the subprocessor list is absent.

5 — EU hosting as standard and an EU contracting entity, but parts of the chain — OCR, AI categorisation, support tooling — are non-EU without an explained safeguard.

8 — EU or German hosting on named infrastructure, EU contracting entity, full subprocessor list published, and a stated export that satisfies retention if the contract ends.

10 — Sovereign and durable: German or EU hosting throughout, every subprocessor European, certification published, and a documented archive export that keeps the customer compliant for the full retention period after they leave.

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The Tax Adviser

The contracting entity is Banana.ch SA in Switzerland and I found no public information on hosting, subprocessors or certification, which leaves a non-EU entity with an absent subprocessor list. In its favour, the program is a download that runs without registration or personal data, so the books stay in files the customer holds, and compatibility promises those files open in later versions. 1 2 3

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Pricing transparency

How this is scored

Whether a business can compute the real annual invoice — including the bookings, users, bank accounts and adviser access they actually need — from public pages alone.

0 — No public prices at all; every tier is a sales conversation.

3 — A headline monthly price exists, but booking or document limits, extra users or the tier where DATEV export begins are unstated.

5 — Tier prices public with billing period stated and the main limits given, but at least one commonly needed piece (DATEV export, extra bank accounts, adviser seat) sits in an unpriced tier.

8 — Every tier and add-on priced publicly with limits, overage, minimum term and VAT treatment stated; adviser access priced or explicitly free.

10 — Complete price computability: annual invoice derivable for a given transaction volume, user count and feature set, including overage and the year-end extras.

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The Tax Adviser

All three plans are public — a free tier limited to 70 transactions, Professional at "CHF 89/year + VAT", Advanced at "CHF 179/year" with a turnover guide — and one subscription covers unlimited files and client accounts. The captured pages give different figures for the entry price (CHF 89/year + VAT on one page, "Vollversion ab €60,--/Jahr" on another), and I found no public information on which plan includes the DATEV export or on transaction limits in the paid tiers. 1 3

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Questions about Banana Accounting

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.

What are the best alternatives to Banana Accounting?

As of 21 Oct 2026, the panel rates Papierkram (3.5/5), sevDesk (3/5) and BuchhaltungsButler (3/5) 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 (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Banana Accounting alternatives.

Where this could be wrong

What we left out

A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.

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Sources (3)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor page www.banana.ch Checked 20 Oct 2026 Details →
  2. 2 Bookkeeping core — found from sitemap www.banana.ch Checked 20 Oct 2026 Details →
  3. 3 Tax handling & filings — found from sitemap www.banana.ch Checked 20 Oct 2026 Details →