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Free Accounting Software With a Bank Feed | HelloBooks HelloBooks Free includes a live Plaid bank feed from 11,000+ US banks, plus unlimited invoices, bills and quotes. $0, no credit card, no expiry.

Free accounting software with bank feed, free bookkeeping software with bank connection, free accounting app that connects to my bank, for US small businesses.

Free Plan · United States

Free accounting software with a live bank feed

HelloBooks Free is $0 and includes 1 live bank feed through Plaid, from 11,000+ supported US banks. Invoices, bills and quotes stay unlimited, and there is no credit card and no end date.

Start free, no credit cardEverything on the Free Plan

Free Plan with unlimited invoices, bills & quotes — no credit card.

A bank feed on the $0 plan

Connect one bank or card account through Plaid and transactions flow into HelloBooks on their own, ready to categorize and reconcile. No statement downloads, no CSV clean-up.

Accounts you do not connect can still live in the books: Free lets you keep 2 manual bank or credit card accounts that you update yourself.

  • 1 live bank feed through Plaid (11,000+ supported US banks)
  • 2 manual bank or credit card accounts
  • Bank reconciliation and reports stay unlimited
  • Unlimited invoices, bills and quotes
  • 2 users, and no credit card

How free plans handle bank feeds

Wave’s free Starter plan has unlimited invoices but no bank feed. QuickBooks’ free tier allows 2 invoices a month. Xero has no free tier; every Xero plan is paid after the trial. (Vendor pages checked September 2026; sources below.)

HelloBooks meters the AI, never the ledger: the bank feed, reconciliation, invoices and reports keep working on Free.

When you need more than one feed

Starter ($14.99/mo) includes 3 bank connections and Pro ($39.99/mo) includes unlimited. Your ledger, history and connected feed carry over unchanged when you upgrade. See pricing for the full list.

How teams use HelloBooks

What HelloBooks does for businesses like yours

“AI categorizes every transaction automatically and learns from your corrections, so a small team keeps clean books without spending evenings on manual data entry.”
Small business · US
“For a practice managing dozens of client books, automated reconciliation turns a full day of matching into a background task — review the AI matches, approve, and move on.”
Accounting practice · US
“Snap a receipt on your phone and the AI reads, categorizes, and files it — bookkeeping stays current even for people who would rather not think about numbers.”
Freelancer · mobile-first

Illustrative scenarios describing what the product does for each business type — not attributed customer reviews.

FAQ

Frequently asked questions

Is there free accounting software with a bank feed?
Yes. HelloBooks Free includes 1 live bank feed through Plaid at $0, with no credit card and no expiry.
How many banks can I connect on the Free Plan?
1 live bank feed. You can also keep 2 manual bank or credit card accounts that you update yourself. Starter includes 3 bank connections and Pro includes unlimited.
Which banks are supported?
The feed runs through Plaid, which supports 11,000+ US banks and credit unions. If your bank is not supported, you can still upload statements.
Does Wave’s free plan include a bank feed?
Wave’s free Starter plan has unlimited invoices but no bank feed. HelloBooks Free includes 1 live bank feed.
What happens when the AI allowance runs out?
Free includes 200 AI-categorized transactions a year. After that, categorization is manual and your bank feed keeps running. Top up AI credits with a credit pack any time, or upgrade.
Related

Keep exploring

Free accounting software

Everything the Free Plan includes, and its limits.

Wave without bank feeds

What to do when your free plan has no feed.

HelloBooks vs Wave

Two free plans compared.

Bank reconciliation software

How reconciliation works in HelloBooks.

Pricing

Every plan side by side.

Sources

Wave, QuickBooks, Xero and Plaid are trademarks of their respective owners. HelloBooks is not affiliated with or endorsed by Wave, QuickBooks or Xero.

Start automating your books today

Free Plan with full access to the AI accountant — no credit card, no time limit.

Start free, no credit cardEverything on the Free Plan

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    Free Accounting Software With a Bank Feed | HelloBooks