Xubio review
Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Xubio suits small businesses in Argentina that want accounting, electronic invoicing and payroll in one place. It offers a free plan, a 14 trial, and entry pricing that starts at ARS 123,100, with 1 user covered.
Key facts
- Best for
- Small businesses that need e-invoicing and payroll without paying at signup
- Price from
- ARS 123,100 (Source, checked September 26, 2026)
- Free plan
- Yes (Source, checked September 26, 2026)
- Free trial length
- 14 days (Source, checked September 26, 2026)
- Local compliance
- E-invoicing (Source, checked September 26, 2026)
- Users included
- 1 (Source, checked September 26, 2026)
- Payroll
- Included (Source, checked September 26, 2026)
- Bank feeds
- Yes (Source, checked September 26, 2026)
- Support channels
- Email, Chat (Source, checked September 26, 2026)
- Audience
- Small business
- Pricing model
- Free plan, Free trial
- Official website
- xubio.com
Pros and cons
Pros
- A free plan plus a 14 trial, so you can test the platform before you pay
- Payroll is included rather than sold as an add-on
- Bank feeds are supported, and local compliance covers e-invoicing
- Entry pricing starts at ARS 123,100
Cons
- Support runs on email and chat only
- The starting plan covers 1 user, so extra seats add cost
Who it suits
- Small businesses that file electronic invoices locally
- Solo owners who want payroll handled in the same place as accounting
- Teams that want a free plan to run on before paying
Who should look elsewhere
- Anyone wanting phone support, since help runs on email and chat only
- Businesses needing more than 1 user on the starting plan
- Teams outside Argentina that do not need e-invoicing
Plans and pricing
Xubio starts at ARS 123,100 on its entry plan, and that plan covers 1 user. You do not have to pay to start: there is a free plan, and a free trial runs for 14. That makes the cost of trying the software low, and the free plan is a real option rather than a limited demo.
What it does well
Payroll is included, so you do not need a separate payroll product. Bank feeds are supported, which keeps transactions moving into your books without manual entry. Local compliance is covered for e-invoicing, the kind of invoicing most small businesses here need. The starting plan covers 1 user.
How Xubio compares
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 9.1- 9.0 vs 9.2
9.0 vs 9.5
9.0 vs 9.0Qonto starts at €9, lower than the ARS 123,100 entry point here.
- 9.0 vs 8.8
9.0 vs 9.2- 9.0 vs 9.0
- 9.0 vs 8.9
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.0
Where Xubio is available
- Available
- Argentina
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does Xubio cost to start?+
The entry plan starts at ARS 123,100, and that plan covers 1 user. You can also use the free plan instead, so a small business can run on it before committing to a paid tier.
Is there a free trial?+
Yes, a free trial runs for 14. Alongside it there is a free plan, so you can test paid features for a set stretch and then keep using the free tier if it suits you.
Does Xubio handle payroll?+
Payroll is included rather than sold as an add-on. That matters for small businesses that would otherwise run accounting and payroll in two separate tools and reconcile between them.
What local compliance does Xubio cover?+
Local compliance covers e-invoicing. If your business issues electronic invoices, that obligation is handled inside the product rather than through a separate tool.
Can Xubio connect to my bank?+
Bank feeds are supported, so transactions can reach your accounts without entering them by hand. For a small business owner keeping books up to date, that saves recurring data entry.
How many users does the starting plan cover?+
The starting plan covers 1 user. If more people need access, you will be looking at a larger plan than the entry tier priced from ARS 123,100.
How do I get help from Xubio?+
Support runs on email and chat. If you prefer to pick up the phone during a payroll or invoicing question, that channel is not part of what Xubio offers.
Is Xubio aimed at small businesses?+
Yes, it is built for small businesses. The free plan, the 14 trial and e-invoicing compliance all point at a sole trader or a small team rather than a large company.
Sources
- xubio.com checked September 26, 2026
Backs: Audience
- xubio.com/ar checked September 26, 2026
Backs: Bank feeds, Payroll
“Open Finance”
- xubio.com/ar/factura-electronica checked September 26, 2026
Backs: Local compliance
“Podras emitir y administrar tus facturas electronicas”
- xubio.com/ar/precios-emprendedores checked September 26, 2026
Backs: Price from
“Otros medios $123.100 + IVA / mes”
- xubio.com/ar/precios-empresas checked September 26, 2026
Backs: Free trial length, Free plan, Pricing model, Support channels, Users included
“Empresa Gratis - Gratis”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Xubio
Small businesses that need e-invoicing and payroll without paying at signup