Quick Disclosure: This post may contain affiliate links. If you sign up for Xero through links on this page, I may earn a commission at no extra cost to you. All recommendations are based on research and real user feedback.
🎁 February 2026: Current Best Offer (Verified)
90% off for 6 months + $100 Amazon Gift Card – Available for new customers only
⚠️ Importante: This promotion is subject to Xero’s approval and terms. Gift card eligibility and delivery conditions apply (see details below).
90% Off for 6 Months
50% Off for 36 Months
75% Off
Exact Gift Card Terms (The Fine Print That Actually Matters)
Here’s what Xero doesn’t make obvious about the Amazon Gift Card:
To Qualify for the $100 Gift Card:
✅ Must be a new Xero customer (never had a paid subscription)
✅ Must maintain an active paid subscription for minimum 3 months
✅ Must be on Growing or Established plan (Early plan typically excluded)
✅ Cannot cancel or downgrade during the qualification period
✅ Gift card delivery: 6-8 weeks after qualification period ends
Regional Restrictions:
- US/Canada: $100 USD/CAD Amazon.com gift card
- UK: £75 Amazon.co.uk gift card
- Australia: $150 AUD Amazon.com.au gift card
- New Zealand: Not available (90% discount only)
- Other regions: Check Xero’s terms during signup – varies significantly
What Voids the Gift Card:
❌ Canceling before the 3-month minimum
❌ Downgrading to Early plan
❌ Processing a chargeback or payment dispute
❌ Multiple accounts from the same person/business
Real talk: If you cancel after month 6 but before month 3, you won’t get the card. If you’re unsure you’ll stick with it, factor that into your decision.
The Real Math: Total Savings Breakdown
Stop guessing. Here’s exactly what you save:
Growing Plan (Most Popular)
| Item | Regular Price | With 90% Discount | Your Savings |
|---|---|---|---|
| Months 1-6 (monthly billing) | $42/month × 6 = $252 | $4.20/month × 6 = $25.20 | $226.80 |
| Amazon Gift Card | $0 | $100 value | $100.00 |
| Total 6-Month Value | $252 | $25.20 | $326.80 |
Established Plan
| Item | Regular Price | With 90% Discount | Your Savings |
|---|---|---|---|
| Months 1-6 (monthly billing) | $78/month × 6 = $468 | $7.80/month × 6 = $46.80 | $421.20 |
| Amazon Gift Card | $0 | $100 value | $100.00 |
| Total 6-Month Value | $468 | $46.80 | $521.20 |
Early Plan
| Item | Regular Price | With 90% Discount | Your Savings |
|---|---|---|---|
| Months 1-6 (monthly billing) | $20/month × 6 = $120 | $2/month × 6 = $12 | $108.00 |
| Amazon Gift Card | Usually excluded | $0 | $0.00 |
| Total 6-Month Value | $120 | $12 | $108.00 |
Note: Prices shown in USD. Your region may vary. Check exact pricing during signup.
After Month 6: You pay full price unless you cancel. Set a calendar reminder for month 5 if you want to evaluate before renewal.
Xero Is NOT For You If…
Let’s be honest about who should skip Xero, even with the discount:
Skip Xero If:
❌ You only need basic invoicing – Wave or FreshBooks Lite are free
❌ You hate learning curves – Xero takes 2-3 weeks to master; QuickBooks Self-Employed is simpler
❌ Your country has no bank feed support – Manual entry kills the main benefit (check Xero’s bank feed list first)
❌ You need built-in payroll – Xero’s payroll is a separate paid add-on in most regions
❌ You’re looking for free forever – After 6 months, it’s $42+/month
❌ You process under 5 invoices per month – Overkill for minimal activity
❌ You need desktop software – Xero is cloud-only, no offline mode
Alternative Recommendations:
- Ultra-tight budget: Wave (free, ad-supported)
- Simplicity over features: FreshBooks
- Need payroll included: QuickBooks Online Plus
- Very large business: NetSuite or Sage Intacct
Paradoxically, telling you NOT to buy something often means you’ll trust the recommendation more when I say it IS right for you.
Xero discount code Video
How to Claim the Discount (Step-by-Step)
Step 1: Verify Eligibility
Before clicking anything:
- Confirm you’ve never had a paid Xero account
- Check if your country qualifies for the gift card (see terms above)
- Ensure you can commit to 3+ months for gift card eligibility
Step 2: Sign Up
- Go directly to xero.com (not third-party resellers)
- Click “Try Xero for Free” or “Pricing”
- Select your plan (Growing recommended for gift card eligibility)
- The 90% discount auto-applies – you’ll see it at checkout
- No promo code needed
Step 3: Payment Setup
- Enter payment details
- Confirm the discounted amount shows (e.g., $4.20 instead of $42)
- Review terms for gift card conditions
- Complete signup
Step 4: Track Gift Card Status
- Gift card won’t arrive immediately
- Typical timeline: 6-8 weeks after month 3
- Check the email associated with your Xero account
- Contact Xero support if it doesn’t arrive within 10 weeks
Screenshot checkpoint: Before finalizing payment, screenshot your order summary showing the 90% discount. Helpful if there’s any billing dispute later.
High-Intent Questions Answered
“Is the 90% discount better than just using the free trial?”
Short answer: Use both.
Strategy:
- Start with the 30-day free trial (no credit card)
- Test Xero fully during trial
- If you like it, convert to paid with the 90% discount before trial ends
- You get 30 days free + 6 months at 90% off = 7 months of cheap/free access
The trial and promo stack beautifully.
“Can I cancel after 6 months and keep my data?”
Yes, but with conditions:
- You can export your data before canceling (reports, invoices, contacts)
- Your Xero account becomes read-only after canceling (view but not edit)
- After 7 years, Xero may delete inactive accounts
- For the gift card: You must stay subscribed minimum 3 months
Pro move: Export everything at month 5, decide if you’re staying, cancel before month 6 renewal if not.
“Does upgrading my plan during the promo reset my pricing?”
Não, but there’s a catch:
- If you upgrade (e.g., Early → Growing), the 90% discount applies to the new plan
- Your 6-month promo period continues uninterrupted
- If you downgrade during promo, you may lose gift card eligibility
Exemplo: Month 2, you upgrade from Growing ($4.20/month) to Established ($7.80/month). You still have 4 months at 90% off the new price.
“Is the Amazon gift card taxable income?”
In most regions, yes, but I’m not a tax advisor.
- US: Likely considered taxable income (~$100 reported on 1099-MISC if over threshold)
- UK: May be considered a benefit-in-kind
- Australia: Could be assessable income
Recommendation: Ask your accountant, or set aside ~$25-30 for potential tax liability. Don’t let the tax tail wag the savings dog though – you’re still way ahead.
“What happens if Xero revokes the promo?”
Rare but possible:
- If you violate terms (multiple accounts, fraudulent info), they can revoke
- If you were eligible at signup, they typically honor it
- Save confirmation emails and screenshots as proof
If disputed: Contact Xero support with your original signup date and confirmation
Real Experience Notes (What I Wish I Knew)
Full transparency: I’ve used Xero for 2.5 years across two different businesses. Here’s the unfiltered version.
Setup Mistake I Made
I rushed the initial chart of accounts setup. Spent my first month categorizing everything as “general expenses” because I didn’t understand Xero’s category structure. Month 2, I had to recategorize 200+ transactions manually.
Lesson: Spend 30 minutes with Xero’s chart of accounts guide BEFORE importing your first transactions. You’ll save hours.
Thing I Wish I Knew Earlier
The mobile app is where Xero shines. For the first 6 months, I only used desktop. Once I started snapping receipt photos the moment I got them, my “missing receipt hunt” dropped to zero.
Lesson: Install the mobile app on day one. Use it religiously. Your future self will thank you.
Actual Time Investment
- Week 1: 5-6 hours setting up (accounts, bank feeds, templates)
- Week 2-3: 2-3 hours/week learning and adjusting
- Month 2+: 30-45 minutes/week maintaining
It’s not “set and forget” at first. But after a month, it becomes routine.
Best Feature Most People Miss
Bank rules. Xero can auto-categorize recurring transactions. Starbucks? Always “Meals & Entertainment.” Shopify fees? Always “Merchant Fees.” Set up 10-15 rules early, and 70% of your reconciliation becomes automatic.
Biggest Frustration
The reporting interface is powerful but cluttered. It took me 3 months to find the exact report format I needed. QuickBooks’ reporting is more intuitive for non-accountants.
Lesson: If reporting is critical, watch Xero’s reporting tutorial videos before committing.
When NOT to Use This Promo
Even with massive savings, here are scenarios where waiting makes more sense:
Wait If:
- Your business launches in 3+ months (start the promo when you’re active)
- You’re mid-migration from another system (finish that first, avoid double subscriptions)
- Tax season is in 2 weeks (you’ll be too busy to learn properly)
- You haven’t decided on your business structure yet (sole prop vs LLC affects setup)
Act Now If:
- You’re currently using spreadsheets and hate it
- You’re paying for QuickBooks/FreshBooks at full price
- Tax season is coming in 2-3 months (time to learn before crunch)
- You just started a business and need clean books from day one
Calendar Strategy: If you’re unsure about timing, use the free trial NOW to test. Then wait for the next promo cycle if this one doesn’t fit your timeline.
The Primary CTA (For People Ready to Commit)
If Xero solves your problem and you’re ready to start:
- Click through to Xero’s official website
- Select the Growing Plan (best gift card eligibility)
- Verify the 90% discount shows at checkout
- Complete signup
- Set a 3-month calendar reminder to evaluate before renewal
Time investment: 15 minutes to sign up, 2-3 weeks to master
Financial commitment: ~$25 for 6 months (Growing plan) + full price after if you stay
Worst case scenario: You cancel after 6 months, keep your exported data, and you paid $25 for 6 months of professional accounting software
The Backup CTA (For Skeptics)
If you’re on the fence:
- Start with Xero’s free 30-day trial (no credit card)
- Spend week 1 setting up and importing data
- Spend week 2-4 actually using it for real transactions
- If you love it, convert to the 90% promo before trial ends
- If you hate it, walk away with zero cost
No commitment, maximum information.
This is the smart play if you’re genuinely unsure whether Xero fits your workflow.
Other Ways to Save (Beyond the Main Promo)
1. Annual Billing After Promo Ends
After your 6-month promo, switch to annual billing for ~15% savings
- Growing Plan: $42/month × 12 = $504 OR $420/year (save $84)
2. Xero Partner Discount
Certified Xero accountants sometimes offer:
- Extended trials
- Setup assistance included
- Discounted rates for their clients
How to find: Search “Xero certified advisor [your city]”
3. Refer-a-Friend (Region Dependent)
Some countries offer referral credits:
- You get $50-100 credit
- Friend gets promotional pricing
- Check Xero’s referral program for your region
4. Non-Profit Pricing
Registered charities and non-profits may qualify for:
- 50% ongoing discount (not just 6 months)
- Waived setup fees
How to apply: Contact Xero sales with your non-profit documentation
5. Educational Access
Students and educators get Xero free:
- Must have valid .edu email or educational institution verification
- Limited to educational use only
- Full feature access
Apply at: xero.com/education
Safety Checklist: Avoiding Scams
With promotional offers, scammers emerge. Here’s how to stay safe:
✅ Legitimate Signs:
- Signup happens on xero.com (check URL carefully)
- No payment to third parties
- Discount auto-applies (no sketchy “codes” from random sites)
- Official Xero emails come from @xero.com
- Xero partner emails come from verified certified advisors
🚨 Red Flags:
- “Enter this code for 95% off!” (doesn’t exist)
- Payment requests to individuals or unknown companies
- Emails from @xero-deals.com or similar (fake domains)
- “Limited spots! Only 5 left!” pressure tactics
- Requests for social security numbers during basic signup
Golden Rule: Only sign up at xero.com. If someone sends you a “special link,” verify it redirects to xero.com before entering any information.
Comparison: Xero vs Competitors (Honest Take)
Xero vs QuickBooks Online
| Recurso | Xero | QuickBooks Online |
|---|---|---|
| Price (regular) | $42/month (Growing) | $55/month (Plus) |
| Ease of learning | Moderate curve | Easier for beginners |
| Mobile app | Excellent | Good |
| Relatórios | Powerful but complex | More intuitive |
| Bank reconciliation | Superior automation | Good but manual-heavy |
| Integrations | 1,000+ apps | 750+ apps |
| Payroll | Separate add-on | Included (higher tiers) |
| Best for | Growing businesses, international | US small businesses, simplicity |
Verdict: With the 90% promo, Xero wins on price for 6 months. Long-term, choose based on your comfort with complexity vs simplicity.
Xero vs FreshBooks
| Recurso | Xero | FreshBooks |
|---|---|---|
| Price (regular) | $42/month | $50/month (Plus) |
| Invoicing | Profissional | Beautiful, client-focused |
| Expense tracking | Comprehensive | Basic |
| Project tracking | Advanced (Established plan) | Excellent time tracking |
| Accountant-friendly | Yes (built for collaboration) | Limitado |
| Best for | Full accounting needs | Service businesses, freelancers |
Verdict: Xero is more comprehensive; FreshBooks is prettier and simpler. If you mostly invoice and track time, FreshBooks may suit better despite higher cost.
Xero vs Wave
| Recurso | Xero | Wave |
|---|---|---|
| Preço | $42/month (after promo) | Livre |
| Features | Extensive | Limitado |
| Escalabilidade | Excellent | Poor |
| Apoiar | Email, phone, chat | Community only (paid plans get email) |
| Ads | Nenhum | Yes (on free plan) |
| Best for | Serious businesses | Side hustles, ultra-tight budgets |
Verdict: Wave is free but limited. If you outgrow it, migration is painful. Starting with Xero (especially at 90% off) may save migration headaches later.
FAQ: The Ones That Actually Matter
Can I use Xero if I’m not tech-savvy?
Honest answer: It’ll be hard for the first 2 weeks. Xero assumes basic accounting knowledge (debits, credits, reconciliation). If those words scare you, consider:
- Hiring a bookkeeper for setup
- Using FreshBooks instead (more beginner-friendly)
- Watching Xero’s tutorial videos (they’re good)
What if I need help after signing up?
Xero offers:
- Email support (24-48 hour response)
- Phone support (business hours, region dependent)
- Xero Central (knowledge base – excellent)
- Community forums
- YouTube tutorials
What Xero doesn’t offer:
- Live chat (most regions)
- Setup assistance (you’re on your own or hire a partner)
Will my accountant work with Xero?
Most modern accountants do. Ask yours directly: “Do you support Xero clients?”
If they say no:
- You can grant them read-only access anyway
- They can export reports as PDFs
- Consider switching accountants (many now require cloud accounting)
Can I import from QuickBooks/FreshBooks/Excel?
Yes, with caveats:
- QuickBooks → Xero: Use Xero’s migration tool (decent, not perfect)
- FreshBooks → Xero: Manual export/import (time-consuming)
- Excel → Xero: CSV import (works but tedious)
Expect cleanup work after any migration. Budget 3-5 hours for a year’s worth of data.
Is my financial data safe with Xero?
Xero’s security:
- Bank-level 256-bit SSL encryption
- Two-factor authentication (enable it!)
- SOC 2 Type II certified
- Regular third-party security audits
Your responsibility:
- Use a strong, unique password
- Enable 2FA immediately
- Don’t share login credentials
- Review user access quarterly
No system is unhackable, but Xero takes security seriously.
Final Verdict: Is This Promo Worth It?
Do It If:
✅ You need proper accounting software and hate spreadsheets
✅ You plan to use it for at least 3-6 months
✅ The gift card terms work for your region
✅ You’re willing to invest 2-3 weeks learning
✅ You qualify as a new customer
Skip It If:
❌ You only need simple invoicing (Wave is free)
❌ You’re unsure about committing 3+ months
❌ Your country excludes the gift card and you want it
❌ You prefer desktop software
❌ You’re extremely non-technical and have no support
The Math:
- You pay: ~$25 for 6 months (Growing plan)
- You get: $252 worth of software + $100 gift card
- Net value: $327 for $25 = 13:1 return
Even accounting for the time investment to learn, that’s exceptional value if you actually need accounting software.
Take Action (Clear Next Steps)
For Committed Buyers:
- Visit xero.com directly (bookmark this page to return to terms/tips)
- Select Growing Plan (best balance of features + gift card eligibility)
- Verify 90% discount at checkout
- Complete signup
- Screenshot confirmation for records
- Set calendar reminder for month 3 (gift card check) and month 5 (renewal decision)
For Fence-Sitters:
- Start free 30-day trial at xero.com
- Spend week 1 on setup
- Use weeks 2-4 for real transactions
- Convert before trial ends if you like it (promo still applies)
- Walk away if it doesn’t fit
For Researchers:
- Read Xero’s official terms (link on their promo page)
- Compare with QuickBooks/FreshBooks based on your specific needs
- Ask your accountant if they support Xero
- Return here when ready (bookmark for reference)
Community: Share Your Experience
Have you used this promo? Drop a comment:
- Did you receive the gift card? How long did it take?
- Any issues with signup or billing?
- Tips for new users?
Found a different working promo code? Share it using this format:
Offer: [Discount amount]
Code: [If applicable]
Eligibility: [Who qualifies]
Expiration: [Date if known]
Source: [Where you found it]
Verified: [Date you tested it]
Posting rules:
- Only verified, working codes
- No affiliate links in comments (use the main links)
- Be specific about terms and restrictions
- Help others by answering questions
Legal Disclaimer
About This Content:
- Prices and promotions verified as of February 1, 2026
- Xero may change offers without notice
- Always verify current terms on xero.com during signup
- This is not sponsored by Xero
- I may earn affiliate commissions if you sign up through links here
About Advice:
- I’m not a certified accountant, tax advisor, or financial professional
- Consult with qualified professionals for your specific situation
- Tax treatment of gift cards varies by jurisdiction
- Your experience may differ from examples provided
About the Gift Card:
- Subject to Xero’s approval and terms
- Eligibility requirements apply (see terms section above)
- Delivery timelines are estimates, not guarantees
- Not available in all regions
Use this information to make informed decisions, but verify everything with official sources before committing.
Última atualização: February 1, 2026
Current Best Verified Offer: 90% off for 6 months + $100 Amazon Gift Card (new customers, subject to terms)
Have questions not answered here? Comment below and I’ll update this guide.
