Start with the entry price
Entry price splits these options more than any other feature. Qonto lists €9 for its starter tier, Accountable lists €9.90, and Billy, based in Denmark, lists DKK 160. myGreekTax lists €69, with packages from €69, while Dinero shows no entry price in the listings. Entry prices across the listings run €0 to €876.09, so a low opening figure tells you little about a full year of use.
Price a tier against what you will actually keep using, not against the cheapest number on the page. A free plan can be worth more to a small business than a low paid tier, and a trial only suits a setup you already understand. Read the entry tier closely in the Qonto and Accountable reviews before you budget around it.
Free plan or free trial
Accountable, Billy and Dinero each offer a free plan, so your first step can cost nothing at all. Qonto has no free plan and offers a free trial of 30 instead, and myGreekTax has no free plan either. That split matters early on, when you are still learning which reports you need and how often you will file.
Trial length is a poor ranking signal. Free trials across the listings run 3 to 365, so short and long trials sit at opposite ends of the same range. Use a free plan for steady bookkeeping and a trial for a one-off migration, and read the Billy review for how its free plan is framed.
Payroll: bundled or billed separately
Payroll is where a headline price stops being the whole price. Billy treats payroll as an add-on, so its DKK 160 entry figure does not cover salaries. Dinero includes payroll, which makes the separate cost harder to isolate but the total bundle easier to run. The listings hold no payroll detail for Qonto, Accountable or myGreekTax, so treat that as an open question to raise at sign-up.
The comparison rule is simple: if staff are already on the payroll, ask for the all-in figure rather than the entry price. An add-on makes costs predictable but raises them, and an included feature hides them inside one number.
Local compliance and who the rules are for
Accountable lists peppol and e-invoicing, and Qonto lists e-invoicing, which matters when your buyers expect structured invoices rather than attachments. myGreekTax covers Greece only, and its turnaround of 2 sits behind a quote per case after a free consultation, so filing work is scoped each time instead of sold as a standing subscription.
Check your own country's requirements before you shortlist anything. Qonto operates from France as OLINDA SAS and Billy is based in Denmark, so neither is a neutral choice on rules. If your compliance work is domestic and frequent, compare the myGreekTax review against tools with standing plans.
Support channels and cover
Qonto offers email and phone, Billy adds live chat on top of email and phone, and myGreekTax offers email only. When reach is your main reason to buy, the spread between one channel and three is a fair proxy for hours of cover, and it is the sort of detail worth confirming in the Billy review.
Support details are not listed for Accountable or Dinero, so put that to the vendor directly rather than scoring it as a weakness. Note also that bank feeds appear for Accountable, Billy and Qonto, while the Dinero listing does not show that feature.
Who each product is built for
Qonto and Billy are aimed at small businesses. Accountable, Dinero and myGreekTax target small businesses and beginners, which suits a first year of trading or a side business run alongside a day job. Accountable stands out on structured local invoicing, Qonto on a free trial with bank feeds, and Dinero on bundled payroll.
Mobile access also narrows the field: iOS apps are listed for Qonto, Accountable and Billy. On staying power, Qonto was founded in 2016, which is worth weighing if you want a tool that will still be there through a long migration.
Turn the checks into a shortlist
Score every candidate on the same five rows: entry price, free plan or trial, payroll treatment, compliance coverage and support. Then confirm each row in the accounting software rankings, which put the same fields side by side.
For candidates you have not used, the myGreekTax and ifirma reviews show how these checks read for two other listings. Where a fact is missing, write it down as a question and ask it, because the gaps move as vendors change pricing.