Accounting
bexio
Provenance unknown Report an errorPanel rating · 6 judges · How to read the stars
Category median
Sovereignty: 1 of 4 dimensions proven
0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by bexio AG · www.bexio.ch
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Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
bexio is a cloud system for Swiss small businesses that bundles accounting, invoicing and payroll. Its strongest scores are on documents and banking: AI receipt reading and a debit card that books expenses fully automatically are evidenced, but we found no public information on bank feeds, matching rules or e-invoice formats. Core bookkeeping scores 2-3; we found no public information on double-entry mechanics, a chart of accounts or a period close. The weakest areas are GoBD compliance and tax and filings: the only statutory transmission on record is Swiss payroll. Pricing transparency scores 0-1 and is not counted in the weighted verdicts; the only cost statements are free 24/7 support and fee-free foreign-currency payments. Sovereignty splits the judges: the auditor and tax adviser scored 2, citing no public information on subprocessors or a post-contract export, while the skeptic, founder and bookkeeper scored 4 for plainly stated Swiss storage under ISO 27001 and the named entity bexio AG. Adviser handoff rests on a 30 % trustee-cost claim and a bare developer API label.
Speaks for it
- AI receipt reading and a debit card that books expenses fully automatically are evidenced — the bench's strongest area.
- Accounting, invoicing and payroll are bundled as modules of one cloud system.
- Data storage is stated as Switzerland with ISO 27001 certification, and the contracting entity is bexio AG.
- Salaries are described as transmitted securely and in accordance with the law.
- A developer API is published, and support is stated as free around the clock.
Held against it
- We found no public information on double-entry mechanics, a chart of accounts, journals, opening balances or a period close.
- GoBD compliance scores 0-1, with no public information on a conformity claim, posting immutability, change history or retention.
- We found no public information on VAT returns, electronic filing or year-end financial statements.
- Adviser handoff scores 1-2; we found no public information on a DATEV or other named export format, or on adviser access.
- We found no public information on subprocessors — including where the AI receipt processing runs — or on an export satisfying retention after the contract ends.
Best for
- You run a Swiss small business and want debit-card expenses and receipts booked into the system automatically — the bench's strongest area.
- You want accounting, invoicing and payroll bundled in one cloud system rather than stitched together from separate tools.
- You pay Swiss salaries and want the product to handle the lawful transmission.
- You prefer data storage stated as Switzerland under ISO 27001, with a named Swiss counterparty (bexio AG).
Avoid if
- You face a German tax audit — the product's stated market is Swiss small businesses, and we found no public information on GoBD conformity, a change history or a retention statement.
- You must file VAT returns electronically or produce German year-end statements — the only statutory transmission on record is Swiss payroll.
- Your adviser expects a DATEV export or a scoped login — the adviser-facing evidence is a claim to cut trustee costs by 30 % per year and a developer API label.
The scores
Bookkeeping core
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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.
The Bookkeeper
A cloud Buchhaltung module sits in the bundle alongside invoicing and payroll, and expenses are booked automatically from the bexio Pay card, so postings happen somewhere. We found no public information on double-entry, a chart of accounts, journals, opening balances, or a period close — nothing on locking a month at all. The ledger underneath the screens is unevidenced. 1
The Tax Adviser
A cloud module called Buchhaltung with automated expense booking and payroll is evidenced, but I found no public information on double-entry, a chart of accounts such as SKR03/SKR04, manual postings, journals, opening balances or a period close — the pitch is aimed at Swiss KMU, not at a German year-end. The word Finanzbuchhaltung in a marketing sentence is all the ledger evidence there is. 1
The Auditor
The captured page bundles Buchhaltung, Rechnungen and Lohnbuchhaltung into one cloud system and promises automated Finanzbuchhaltung, which is more than an income-and-expense list. But we found no public information on double-entry mechanics, a chart of accounts, journals, opening balances or a period close with locking, so the ledger underneath the screens cannot be assessed. Until I can see postings that lock at period end, this rates as simplified bookkeeping at best. 1
The Founder
A cloud financial accounting module bundled with invoicing and payroll is confirmed, but the captured pages say nothing about double-entry, a chart of accounts, journals, opening balances or a period close — I found no public information on any of it. I treat it as simplified bookkeeping with the ledger underneath entirely unproven. 1
The Integrator
Accounting, invoicing and payroll ship as modules of one cloud system with claimed AI automation of the financial accounting, but the captured page shows nothing of the ledger underneath: we found no public information on double-entry, the chart of accounts, journals, opening balances or a period close. 1
The Skeptic
The captured page names a cloud accounting module with AI automation and fully automated booking of debit-card expenses, but we found no public information on double-entry, a chart of accounts, journals, opening balances or a period close. The page gestures at full financial bookkeeping while evidencing nothing about the ledger underneath it. 1
GoBD, immutability & audit
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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.
The Bookkeeper
We found no public information on GoBD conformity, unalterable postings, a change history, retention periods, or a Verfahrensdokumentation. The only certification shown is ISO 27001, which speaks to information security, not to surviving a tax audit. 1
The Tax Adviser
I found no public information on posting immutability, a change history, the statutory retention period or a Verfahrensdokumentation, and no GoBD claim appears anywhere in the captured material — a Swiss-practice product that, on what was captured, says nothing to a Betriebsprüfer. ISO 27001 and Swiss storage speak to security, not to audit survival. 1
The Auditor
I arrive asking for the Verfahrensdokumentation and the data export, and the captured pages provide nothing to hand the Betriebsprüfer: no GoBD or equivalent conformity claim, no described change history, no statement that corrections are booked as reversals, and no retention statement. The ISO 27001 certificate covers the security of Swiss hosting, not the immutability of postings or statutory retention. 1
The Founder
This is software aimed squarely at Swiss small businesses, and the captured pages make no GoBD claim, describe no audit trail and state no retention period. Nothing on record would help me face a German tax audit. 1
The Integrator
The only certificate in evidence is ISO 27001 covering Swiss data storage, which speaks to security rather than tax-audit requirements; we found no public information on posting immutability, a change history, statutory retention periods or a Verfahrensdokumentation. 1
The Skeptic
We found no public information on GoBD, posting immutability, change history or a retention statement, and no documentation is offered on the captured page. For a German tax audit this is the bottom case: neither the claim nor anything behind it is in evidence. 1
Tax handling & filings
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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.
The Bookkeeper
The one filing-relevant fact is the compliant electronic transmission of payroll; we found no public information on VAT logic, VAT returns, or any annual statement. The page addresses Swiss small businesses, and no VAT determination or filing workflow is described. 1
The Tax Adviser
The only filing-adjacent statement is lawful transmission of payroll, and that is Swiss payroll; I found no public information on VAT rates, UStVA, ELSTER, EÜR, reverse charge or OSS, so nothing here supports a single German filing. Fee-free FX card payments are about money movement, not VAT logic. 1
The Auditor
The only filing-adjacent fact is salaries transmitted 'sicher und gesetzeskonform' for Swiss payroll, alongside an invoicing module. We found no public information on VAT logic, any VAT return, or electronic submission to a tax authority; for the German chain — UStVA via ELSTER, EÜR, reverse charge, OSS — there is nothing published to evaluate. 1
The Founder
Statutory payroll transmission is described — "Übermittle Löhne stattdessen sicher und gesetzeskonform" — but I found no public information on VAT logic, a VAT return, electronic submission to the tax authority or an annual statement being produced. For my standard of the VAT return going out without me learning a portal, that is worth almost nothing. 1
The Integrator
The payroll module's claim that salaries are transmitted securely and in accordance with the law is the only statutory transmission in evidence; we found no public information on VAT logic, VAT returns, an electronic filing channel, OSS or reverse-charge handling. 1
The Skeptic
Payroll transmittal is described as secure and lawful, but we found no public information on VAT returns, electronic submission or year-end financial statements. The filings this criterion turns on are simply not evidenced. 1
Receipts, banking & matching
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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.
The Bookkeeper
Receipt capture is evidenced and quantified: AI Belegauslese claimed to save 'bis zu 12 Stunden Büroarbeit pro Monat', and the bexio Pay card books expenses 'vollständig automatisiert und kontaktlos'. I judge capture by the exceptions left after the automation, and we found no public information on bank feeds, matching rules, or e-invoice formats — the card link is the one solid piece. 1
The Tax Adviser
AI receipt reading and a debit card that books expenses fully automatically are evidenced, which is more than manual entry. But I found no public information on bank feeds, import formats, matching rules, e-invoicing such as ZUGFeRD or XRechnung, or documented replacement scanning — the receipt gets read, and the evidence chain goes dark after that. 1
The Auditor
Receipt capture goes beyond plain attachments: the pages promote 'KI-Belegauslese' said to save up to 12 hours of office work per month, and a bexio Pay debit card with 'vollständig automatisierten und kontaktlosen Verbuchung' of expenses. We found no public information on bank statement feeds, matching rules, e-invoice formats or compliant archiving of scanned originals, so the chain from money and paper to posting is evidenced only for card spend and AI read-out. 1
The Founder
AI receipt reading and a debit card with fully automated booking of expenses and spending are evidenced, which is exactly the kind of automation I pay for. But I found no public information on bank feeds, matching rules, e-invoice formats or compliant archiving, so only half the evidence chain is on show. 1
The Integrator
AI receipt reading and a debit card whose expenses post fully automatically are evidenced, but each is a one-way channel rather than a reconciliation chain — we found no public information on bank feeds, matching rules, ZUGFeRD/XRechnung e-invoicing in either direction, or compliant archiving. The only integration evidence on the page is a bare "Developer API" label. 1
The Skeptic
Two real hooks exist: AI reading of receipts and a debit card whose expenses are booked automatically. We found no public information on bank feeds, matching rules, e-invoicing in either direction or replacement scanning, so what is shown sits at the assisted-manual level rather than automated feeds. 1
Tax adviser handoff
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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.
The Bookkeeper
The only adviser-facing evidence is the claim 'Senke deine Treuhand-Kosten um 30 % pro Jahr', with no format named behind it. We found no public information on DATEV or any other export format, and no adviser access model — a savings promise is not a handoff. 1
The Tax Adviser
The only adviser-relevant signals are a claim to cut Treuhand costs by 30 % a year and a developer API; I found no public information on a DATEV export, any named export format, or a scoped login for the adviser. A cost-saving promise is not a handover, and an API is not a period handover with locking. 1
The Auditor
The marketing names the Swiss adviser — the claim of cutting 'Treuhand-Kosten um 30 % pro Jahr' implies collaboration — and a Developer API is published. We found no public information on a DATEV or other named export, adviser access rights, or what the adviser receives at year-end, and a savings claim is not a handoff format. 1
The Founder
The claim of cutting Treuhand costs by 30 percent a year implies my accountant is meant to be in the loop, but I found no public information on any export format or an adviser login. The saving is asserted; the mechanics of getting the books to the adviser are not shown. 1
The Integrator
A promise to cut trustee costs by 30 % per year implies an adviser workflow, but the page names no export format and no adviser access; we found no public information on a DATEV path or any accounting export, and the only integration evidence is the same "Developer API" label. 1
The Skeptic
The page claims Treuhand costs fall by 30 % per year and a developer API exists, but we found no public information on a DATEV export, adviser access or a named handover format. A generic API is not an adviser seat or workflow, so only the barest export possibility is evidenced. 1
European sovereignty
panel opinion
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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.
The Bookkeeper
Data storage is stated as Switzerland with ISO 27001 certification and the contracting entity is bexio AG, so hosting location and counterparty are both on the record. We found no public information on subprocessors — including where the AI receipt processing runs — and nothing on an export that would satisfy statutory retention if the contract ends. The residence of the books is answered; their durability after leaving is not. 1
The Tax Adviser
Storage is stated as Switzerland with ISO 27001 and the contracting entity is bexio AG, so at least the location and the counterparty are named. But the independently sourced sovereignty record came back empty, and I found no public information on subprocessors or on an archive export that would satisfy German retention if the contract ends. 1
The Auditor
Storage in Switzerland under ISO 27001 is stated plainly and the contracting entity is bexio AG, so the location is known but outside the EU. We found no public information on subprocessors or on an export that preserves statutory retention if the contract ends, which is exactly what an auditor needs to see before the books move. 1
The Founder
Hosting in Switzerland with ISO 27001 certification is stated plainly and a named Swiss contracting entity is on record. The entity sits outside the EU, however, and I found no published subprocessor list and no statement on exporting my books to stay compliant on retention if I leave. 1
The Integrator
Swiss hosting certified to ISO 27001 and a Swiss contracting entity are stated plainly, but for a European buyer that places the books and the contract outside the EU; we found no public information on subprocessors or on an archive export that would carry statutory retention after the contract ends. 1
The Skeptic
Hosting is stated plainly — all data stored in Switzerland with ISO 27001 certification — and the contracting entity is bexio AG. We found no public information on subprocessors or on an export that satisfies statutory retention after leaving, and the hosting is European but outside the EU. 1
Pricing transparency
not rated — the vendor publishes no price
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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.
The Bookkeeper
We found no public information on tier prices, booking or document limits, user costs, minimum terms, or VAT treatment; the sole pricing statement is 'Kostenloser 24/7 Support … ohne versteckte Kosten'. No business could compute its annual invoice from what is public here. 1
The Tax Adviser
The captured page names no price, tier, limit, billing period or VAT treatment for anything — only that support is free around the clock — so a real annual invoice cannot be computed from any public figure. I found no public information on what any module costs. 1
The Auditor
The captured page carries no tier prices, limits, billing periods or VAT treatment; the only cost facts found are free 24/7 support 'ohne versteckte Kosten' and fee-free foreign-currency payments. No business could compute a real annual invoice from what is public here. 1
The Founder
No tier prices appear anywhere in the captured pages — I found no public information on monthly tiers, booking or document limits, or the tier where adviser features begin. The only cost statement on record is free 24/7 support "ohne versteckte Kosten", which prices nothing I could put on an annual invoice. 1
The Integrator
The only price statements in evidence are free 24/7 support and fee-free foreign-currency payments; we found no public information on tier prices, booking or document limits, per-user costs or adviser seats, so a real annual invoice cannot be computed from the captured page. 1
The Skeptic
We found no public information on tier prices, billing period, booking or document limits, the tier where any adviser export begins, or what an extra bank account costs. The only cost-related statement on the captured page is that 24/7 support is free. 1
European sovereignty — proven facts
1 of 4 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Incorporated in CH | 3/3 pts | 2 Report an error |
|---|---|---|---|
| Ownership | Not determined | — | uncited Report an error |
| Data residency | Not determined ⚠ unverified | — | uncited Report an error |
| Subprocessors | Not determined ⚠ unverified | — | uncited Report an error |
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 22 Sep 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Data residency, Subprocessors. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
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.
- 14 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 11 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 9 pricing facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 5 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 3 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 3 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 hosting facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown. Know more? Tell us
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. Know more? Tell us
Sources (10)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor page www.bexio.ch Checked 22 Sep 2026 Details →
- 2 Imprint — found from the homepage www.bexio.com Checked 30 Sep 2026 Details →
- 3 Privacy policy — found from the homepage www.bexio.com Checked 30 Sep 2026 Details →
- 4 Security / trust page — found from the homepage www.bexio.com Checked 30 Sep 2026 Details →
- 5 Bookkeeping core — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
- 6 Bookkeeping core — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
- 7 Tax handling & filings — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
- 8 Tax handling & filings — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
- 9 Receipts, banking & matching — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
- 10 Receipts, banking & matching — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →