Countingup vs Lendio Bookkeeping
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
Countingup
Countingup is a UK business current account with built-in accounting software. It combines banking and bookkeeping in one app, automatically categorizing transactions and generating tax estimates in real time.
Lendio Bookkeeping
Lendio Bookkeeping is a small business bookkeeping service that pairs automated software with human bookkeepers to keep your finances organized. It also connects businesses to funding options through the Lendio lending marketplace.
Pros
- ✓Business banking and accounting in one app
- ✓Automatic transaction categorization
- ✓Real-time tax estimates
- ✓Simple flat monthly pricing
- ✓Great for sole traders
Cons
- ✗UK only
- ✗Limited accounting features for complex businesses
- ✗Not a replacement for full accounting software at scale
- ✗No multi-user access
Pros
- ✓Combines software with human bookkeepers
- ✓Connected to Lendio lending marketplace
- ✓Good for businesses needing both bookkeeping and financing
- ✓Simple pricing
- ✓US-focused
Cons
- ✗Less well-known than major competitors
- ✗Limited advanced accounting features
- ✗Best value for businesses also seeking financing
- ✗US only
Countingup vs Lendio Bookkeeping: Side by Side
| Factor | Countingup | Lendio Bookkeeping |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Accounting Software | Accounting Software |
| Pricing Model | Paid | Paid |
| Starting Price | Contact for pricing | Contact for pricing |
| Best For | UK sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app | Small US businesses wanting managed bookkeeping combined with easy access to business financing options |
| Our Pick | — | — |
Countingup Features
- ✓Receipt scanning
- ✓expense categorization
- ✓VAT tracking
- ✓supplier management
- ✓bank feed integration
- ✓reporting
Lendio Bookkeeping Features
- ✓Small business loans
- ✓bookkeeping
- ✓cash flow management
- ✓financial reporting
- ✓bank reconciliation
Pricing Comparison
Our Take
Choose Countingup if uk sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app. Choose Lendio Bookkeeping if small us businesses wanting managed bookkeeping combined with easy access to business financing options.
Best For
UK sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app
Best For
Small US businesses wanting managed bookkeeping combined with easy access to business financing options
How Countingup and Lendio Bookkeeping Are Similar
- •Both are Accounting Software platforms designed for business teams
- •Both offer web-based access with no software installation required
- •Both provide customer support and onboarding resources
- •Both integrate with popular third-party business tools
- •Both offer a trial or demo to evaluate before purchasing
Also Consider
If neither Countingup nor Lendio Bookkeeping is the right fit, Dext is worth evaluating.
Dext
Bookkeepers, accountants, and businesses with high receipt volumes wanting to eliminate manual data entry
From $15/mo
Frequently Asked Questions
What is the difference between Countingup and Lendio Bookkeeping?
Countingup is best for uk sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app. Lendio Bookkeeping is best for small us businesses wanting managed bookkeeping combined with easy access to business financing options.
Which is better, Countingup or Lendio Bookkeeping?
Choose Countingup if uk sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app. Choose Lendio Bookkeeping if small us businesses wanting managed bookkeeping combined with easy access to business financing options.
How much does Countingup cost?
Visit Countingup website for current pricing.
How much does Lendio Bookkeeping cost?
Visit Lendio Bookkeeping website for current pricing.
Who should use Countingup?
UK sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app
Who should use Lendio Bookkeeping?
Small US businesses wanting managed bookkeeping combined with easy access to business financing options