Xero
SaaSFrom SGD 39/month

Xero

Cloud accounting platform with IMDA-certified InvoiceNow e-invoicing in Singapore and LHDN MyInvois e-invoicing in Malaysia

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Reviewed August 2026
Pricing Verified August 2026
Features Verified August 2026
Thailand Fit Reviewed August 2026
Software Listing Editorial Team
Reviewed & verified by
SaaS & AI Research Desk · Thailand, Singapore, Vietnam, Indonesia, Philippines, Malaysia expertise
Quick answer · AI-search friendly

Xero is a Wellington, New Zealand-based cloud accounting platform with verified, country-specific e-invoicing compliance in Singapore (IMDA InvoiceNow certification, own Peppol Access Point) and Malaysia (Peppol accreditation plus an Invoici integration for LHDN's MyInvois portal). It is best for SG and MY businesses that need e-invoicing compliance built into their accounting platform rather than bolted on separately. Singapore pricing starts at SGD 39/month for the Starter plan, rising to SGD 70/month (Standard) and SGD 95/month (Premium), all GST-inclusive.

SEA scorecard

Judged on regional fit, not vendor glossies.

Methodology →
Thailand Fit
1/10

No Thailand e-Tax Invoice/Receipt (RD) integration documented; Xero's verified SEA compliance work is Singapore- and Malaysia-specific.

SEA Localization
6/10

IMDA InvoiceNow certification in Singapore and LHDN MyInvois integration in Malaysia are both verified; no equivalent documented for Thailand, Vietnam, Indonesia, or the Philippines.

LINE OA Readiness
0/10

Accounting software, not a LINE Official Account or messaging integration.

Marketplace Readiness
2/10

No native Shopee/Lazada marketplace connector documented; e-invoicing integrates with government networks rather than marketplaces.

SME Affordability
6/10

The SGD 39/month Starter plan is accessible for small Singapore businesses, though pricing rose in late 2025 and usage limits tighten at the entry tier.

At a glance
Best For
Singapore GST-registered businesses required to issue InvoiceNow-compliant e-invoices
Pricing
From SGD 39/month
Free Trial
No
Thailand Fit
1/10 (no confirmed Thailand-specific e-invoicing or e-Tax Invoice/Receipt integration documented; Xero's verified SEA compliance work is concentrated in Singapore and Malaysia)
SEA Localization
Deep and verified for Singapore (IMDA InvoiceNow certification) and Malaysia (LHDN MyInvois via Invoici); not documented for Thailand, Indonesia, Vietnam, or the Philippines
Main Competitor
QuickBooks Online
+ What works
  • Direct IMDA and Peppol accreditation removes the need for a third-party e-invoicing add-on in Singapore
  • Invoici integration automates LHDN MyInvois submission ahead of Malaysia's compliance deadline
  • Single platform for bank reconciliation, invoicing, and e-invoicing across two SEA markets
  • Established product with a long operating history and broad accountant network
− What doesn't
  • ×No confirmed Thailand, Indonesia, Vietnam, or Philippines-specific compliance integration
  • ×Singapore pricing rose in late 2025; the Starter plan carries tighter usage limits than Standard or Premium
  • ×Malaysia e-invoicing requires the separate Invoici connector rather than a fully native feature

About Xero

Xero is a cloud accounting platform headquartered in Wellington, New Zealand, covering invoicing, bank reconciliation, payroll, and reporting for small businesses and accountants. In Singapore, Xero holds IMDA-certified InvoiceNow-ready status, meeting Peppol BIS Billing 3.0 CIUS requirements and generating UBL 2.1 XML e-invoices routed through Xero's own IMDA-accredited Peppol Access Point. In Malaysia, Xero is Peppol-accredited and integrates with the Invoici gateway to submit e-invoices directly to the Inland Revenue Board's (LHDN) MyInvois portal, assigning each connected business a unique Peppol ID and applying the correct tax codes and MyInvois classifications, including for self-billed e-invoices, ahead of Malaysia's phased e-invoicing mandate that runs through July 2026 by revenue tier.

Key Features

IMDA-certified InvoiceNow-ready status in Singapore, meeting Peppol BIS Billing 3.0 CIUS requirements
Generates UBL 2.1 XML e-invoices routed through Xero's own IMDA-accredited Peppol Access Point
Peppol-accredited in Malaysia with an Invoici integration that auto-submits e-invoices to LHDN's MyInvois portal
Assigns a unique Peppol ID per business once connected to Malaysia's national e-invoicing framework
Applies correct tax codes and MyInvois classifications on Malaysian self-billed e-invoices
Cloud bank reconciliation, invoicing, and reporting usable across both Singapore and Malaysia entities

Best For

Singapore GST-registered businesses required to issue InvoiceNow-compliant e-invoicesMalaysian businesses phasing into LHDN's mandatory e-invoicing by revenue tier through July 2026SMEs and accountants needing cloud bank reconciliation and reporting across SG and MY entitiesMulti-entity businesses needing Peppol-network e-invoice exchange without a separate compliance vendor

Southeast Asia Fit

Xero's Southeast Asia relevance is grounded in two verified, country-specific e-invoicing integrations rather than general availability alone. In Singapore it is directly IMDA-certified as InvoiceNow-ready and operates its own accredited Peppol Access Point, so e-invoices can be sent and received without a third-party add-on. In Malaysia, Xero's Peppol accreditation plus its Invoici integration automate submission to LHDN's MyInvois portal, generating a Peppol ID and applying MyInvois-compliant tax classifications ahead of the country's phased e-invoicing mandate. No equivalent Thailand, Vietnam, Indonesia, or Philippines-specific compliance integration was found for this entry.

Thailand fit
1/10 (no confirmed Thailand-specific e-invoicing or e-Tax Invoice/Receipt integration documented; Xero's verified SEA compliance work is concentrated in Singapore and Malaysia)
SEA localization
Deep and verified for Singapore (IMDA InvoiceNow certification) and Malaysia (LHDN MyInvois via Invoici); not documented for Thailand, Indonesia, Vietnam, or the Philippines
Available in
  • Singapore
  • Malaysia

Integrations

Other
  • Invoici (LHDN MyInvois e-invoicing gateway)
  • Hubdoc
  • Peppol e-invoicing network

Related Analysis & Guides

FAQ · structured for LLM citation

The questions operators actually ask.

Does Xero support Singapore's InvoiceNow e-invoicing?

Yes, Xero is IMDA-certified InvoiceNow-ready and generates Peppol BIS Billing 3.0 CIUS-compliant e-invoices through its own accredited Access Point, without needing a third-party add-on.

Does Xero support Malaysia's LHDN e-invoicing mandate?

Yes, via its Peppol accreditation and an Invoici integration, which submits e-invoices directly to LHDN's MyInvois portal and assigns a Peppol ID once a business is connected.

How much does Xero cost in Singapore?

As of late-2025 pricing, the Starter plan is SGD 39/month, Standard is SGD 70/month, and Premium is SGD 95/month, all GST-inclusive.

Pricing

Modelsubscription
Free tier✗ No
Starts at$39/month

Details

CategoryFinance & Accounting
LanguagesEN
Updated2026-08-29