FreeAgent vs Zervant

FreeAgent is accounting software for business administration, invoicing, expenses, tax reporting and business reports. It builds real-time accounts from bank statements, invoices and expenses, with Profit and Loss, Balance Sheet and Trial Balance reports. Users can create recurring invoices, automate late-payment reminders, turn estimates into invoices and accept payments through Stripe and PayPal. FreeAgent can generate MTD-compatible VAT returns and file them directly to HMRC; payroll calculates PAYE and National Insurance and can submit Real Time Information payroll to HMRC. Its iOS and Android apps cover expense recording, time tracking, invoice management and bank transaction reconciliation. It supports bank feeds from most UK banks via Open Banking and connections to HMRC for MTD VAT. The software is designed for small businesses, accountants and bookkeepers. A free plan is listed, alongside paid plans such as Sole trader at £10 a month and Limited company at £33 a month. Smart Capture includes up to 10 receipts and bills per month as standard; a paid Unlimited add-on removes that cap.

Zervant is invoicing and financial management software designed for small businesses, available on the web and in Android and iOS apps. Users can create and send invoices and estimates, then convert approved estimates into invoices. The dashboard tracks paid and overdue invoices and displays overdue notifications. Users can create sales reports and export sales and invoice data to accountants in Excel or PDF format. The mobile app works independently or alongside the online software. A free plan allows five customers and five invoices per month, sent by email or PDF, without premium deliveries. Paid plans start at €9.99/mo; the listed Starter, Pro, and Growth plans increase customer or invoice allowances and premium deliveries. Bank feeds are available on Pro and Growth in Finland and Sweden, while Growth includes recurring invoices. Online card and bank payments are pay-per-use, with processing fees separate from subscription prices. Customer support is free in English, French, German, Finnish, and Swedish. Zervant says it serves hundreds of thousands of small business owners across Europe.