Xero Promo Code Australia: 90% Off for 6 Months + $100 Amazon Gift Card

Are you a small business owner in Australia looking for ways to save money on accounting software? You’re in the right place. In this guide, we’ll show you how to get the best deals on Xero, one of the most popular accounting platforms for Australian businesses.

🎯 Quick Summary: Current Xero Promotion (February 2026)

Get 90% off for 6 months + FREE $100 Amazon Gift Card!

Grow: $7.50/month (usually $75) – Save $405 + $100 gift card
Comprehensive: $10/month (usually $100) – Save $540 + $100 gift card
Ultimate 10: $13/month (usually $130) – Save $702 + $100 gift card

👉 Click here to lock in your 90% discount + $100 Amazon gift card

🎁 NEW February 2026: Exclusive Amazon Gift Card Offer

For a limited time this February, Xero is offering an incredible bonus on top of their already generous discount:

What You Get:

✅ 90% off your Xero subscription for the first 6 months
✅ FREE $100 Amazon Gift Card (or local currency equivalent)

How to Qualify for the Gift Card:

To receive your complimentary Amazon gift card, you must:

Sign up using an authorized partner referral link during February 2026
Connect your bank to your Xero account within the first 7 months
Maintain a paid Xero subscription for at least 7 months after signup

This is an exclusive February-only promotion that combines Xero’s best discount with a valuable bonus gift card – making it the perfect time to start your Xero journey.

Total Value:

Up to $802 in savings (Ultimate 10 plan: $702 discount + $100 gift card)
$505 for Grow plan ($405 discount + $100 gift card)

💡 Important: How Xero Discounts Actually Work

There are no manual promo codes to type in. If you’re searching for a “Xero promo code Australia,” here’s what you need to know:

Xero doesn’t use traditional coupon codes that you copy and paste at checkout. Instead, discounts are applied automatically when you sign up through special promotional or referral links.

How it works:

You click a promotional link (like ours below)
The discount is automatically applied to your account
You see the discounted price immediately
No code to enter, no extra steps

Think of it like clicking a sale link on Amazon – the discount just happens. Simple as that.

👉 Click here to get your automatic 90% discount + $100 gift card – No code needed!

🤝 About Our Referral Link (Full Transparency)

You’ll see our referral link throughout this article. Here’s exactly what that means:

Is it legit? Yes. This is an official Xero referral program approved and managed by Xero itself.

Who applies the discount? Xero does, not us. When you click our link, Xero’s system automatically recognizes you came through a referral and applies the discount.

Do you pay more? No. You get the same (or better) price than signing up directly. Referral links often include extra perks like the $100 Amazon gift card.

Does it affect your service? Absolutely not. You get the exact same features, support, and service as any Xero customer. Your relationship is with Xero, not with us.

Why do we use it? We earn a small commission if you sign up, at no cost to you. This helps us keep creating helpful guides like this one.

Bottom line: You save money, we earn a commission, Xero gets a customer. Everyone wins. It’s that simple.

⏰ Why You Should Act This February (Not Next Month)

Let’s be clear about the math:

If you sign up this February:

Pay $45 total for 6 months of professional accounting (Grow Plan)
Get a $100 Amazon gift card (effectively making it $55 profit)
Get full access to all features immediately
Start saving time on bookkeeping this week
Lock in the discount even if you don’t use it right away

If you wait until March or later:

Pay $450 for 6 months (Grow Plan)
Miss out on saving $405
No $100 Amazon gift card bonus
Continue wasting hours on manual bookkeeping
Still need to do your accounting anyway

The decision tree is simple:

Will you need accounting software at some point? (If you’re running a business, yes)
Is Xero a good option? (Yes, it’s Australia’s most popular)
Is 90% off + $100 better than full price? (Obviously yes)
Does the discount require a long-term commitment? (No, cancel anytime)

Therefore: Sign up now, even if you don’t start using it immediately. You can set it up at your own pace. The discount is time-limited. Your bookkeeping stress isn’t going away on its own.

👉 Lock in 90% off + $100 gift card now – February only!

What is Xero?

Xero is cloud-based accounting software that helps small businesses manage their money. Think of it as your digital bookkeeper that works 24/7. You can send invoices, track expenses, manage payroll, and see your cash flow – all from your computer or phone.

Unlike old-fashioned accounting software that lives on one computer, Xero works online. This means you can access your business finances from anywhere, and your accountant can too. It’s perfect for busy business owners who need flexibility.

Why Australian Businesses Love Xero

Before we talk about the promotion, let’s understand why Xero is so popular in Australia:

It’s Easy to Use

You don’t need to be an accountant to understand Xero. The dashboard is simple, with clear buttons and menus. Most business owners can start using it within an hour.

It Connects to Your Bank

Xero links directly to your Australian bank account. Every time money goes in or out, Xero sees it. This saves you hours of manual data entry every week.

Your Accountant Can Help

Your accountant can log into your Xero account to check your numbers, file your BAS, or answer questions. No more emailing spreadsheets back and forth.

It Grows With You

Starting small? Xero works great. Growing fast? Xero can handle that too. You can add more features as your business needs them.

Mobile App

Check your finances while having your morning coffee or waiting for a meeting. The Xero app puts your business numbers in your pocket.

🇦🇺 Australian Compliance: Why Xero Is Built for Aussie Businesses

This is crucial: Xero isn’t just accounting software adapted for Australia – it’s specifically designed to handle Australian tax and compliance requirements.

ATO Compliant

Xero meets all ATO requirements for digital record-keeping. Your books are audit-ready from day one.

GST Tracking and BAS Lodgement

Xero automatically handles Australian GST rates and helps you prepare your Business Activity Statement (BAS). You can lodge your BAS directly through Xero to the ATO.

Single Touch Payroll (STP)

Xero is STP-enabled, allowing you to report payroll information to the ATO in real-time with every pay run. This is mandatory for all Australian employers.

Superannuation Automation

Xero automatically calculates super contributions and integrates with SuperStream-compliant clearing houses for easy super payments.

Australian Bank Integration

Direct feeds from all major Australian banks including CommBank, NAB, Westpac, ANZ, and hundreds of credit unions and smaller banks. Your transactions import automatically.

FBT Tracking

Track Fringe Benefits Tax obligations with built-in FBT categories and reporting.

Australian Accounting Standards

Xero follows Australian accounting standards and produces reports in formats Australian accountants expect.

This isn’t trivial. Using software that doesn’t properly handle Australian tax rules can cost you thousands in penalties or accountant fees fixing mistakes. Xero gets it right from the start.

Current Xero Pricing in Australia (February 2026)

SPECIAL OFFER: Get 90% off for your first 6 months + $100 Amazon Gift Card!

Right now, Xero is running an incredible promotion. If you sign up during February 2026, you get 90% off your plan for the first 6 months PLUS a free $100 Amazon gift card.

Here’s what the plans cost with this promotion:

Grow Plan ⭐ Most Popular

Usually $75/month – Now $7.50/month (for first 6 months)

Total savings: $405 + $100 gift card = $505 value
Perfect for: Small businesses that are established
What you get: Go beyond the basics – automate tasks and access performance dashboards
Best for: Most small businesses with regular income

Key Features:

Unlimited invoices and quotes
Accept online invoice payments
Enter unlimited bills
Reconcile bank transactions with auto-reconcile (Beta)
Track GST and lodge BAS
Capture bills and receipts with Hubdoc
View real-time reports
Automate superannuation
Payroll for 2 people
30-day cash flow forecast
Visualise performance with graphs

Comprehensive Plan

Usually $100/month – Now $10/month (for first 6 months)

Total savings: $540 + $100 gift card = $640 value
Perfect for: Growing businesses needing more insights
What you get: Optimise profitability – tailor your insights for greater control
Best for: Businesses that need detailed financial analysis

Everything in Grow, plus:

Payroll for 5 people
90-day cash flow forecast
Customise performance dashboards
Multi-currency support
Analytics and KPI tracking

Ultimate 10 Plan

Usually $130/month – Now $13/month (for first 6 months)

Total savings: $702 + $100 gift card = $802 value
Perfect for: Scaling businesses
What you get: Future proof your scaling business – with advanced tools and analytics
Best for: Businesses with complex needs or rapid growth

Everything in Comprehensive, plus:

Payroll for 10 people (up to 100 people available)
180-day cash flow forecast
Advanced analytics and insights
Tailored financial health scorecards
Project tracking

Important: This 90% discount + $100 gift card is a February 2026 exclusive! After the first 6 months, you’ll pay the regular price unless you cancel.

📊 Quick Plan Comparison Table

Here’s an at-a-glance comparison to help you choose:

Feature	Grow ($7.50/mo) ⭐	Comprehensive ($10/mo)	Ultimate 10 ($13/mo)
Best For	Most small businesses	Growing businesses	Scaling businesses
Invoices	Unlimited	Unlimited	Unlimited
Bills	Unlimited	Unlimited	Unlimited
Bank Feeds	✓	✓	✓
Auto-Reconcile	✓ (Beta)	✓ (Beta)	✓ (Beta)
GST & BAS	✓	✓	✓
Hubdoc	✓	✓	✓
Superannuation	Automated	Automated	Automated
STP Payroll	2 people	5 people	10-100 people
Multi-Currency	✗	✓	✓
Project Tracking	✗	✗	✓
Cash Flow Forecast	30 days	90 days	180 days
Performance Dashboards	Basic graphs	Custom	Advanced + KPIs

Most popular choice: The Grow Plan at $7.50/month covers what 80% of Australian small businesses need.

How to Get Xero Discount in Australia (February 2026)

Here are the real ways to save money on Xero in February 2026:

1. Take Advantage of the 90% Off + $100 Gift Card (FEBRUARY ONLY!)

This is the biggest value available right now!

Xero is offering 90% off for your first 6 months + a $100 Amazon gift card when you sign up during February 2026. This means:

Grow Plan: Just $7.50/month (save $405 + $100 gift card)
Comprehensive Plan: Just $10/month (save $540 + $100 gift card)
Ultimate 10 Plan: Just $13/month (save $702 + $100 gift card)

This is a limited-time February offer, so don’t wait!

👉 Get 90% off + $100 gift card – February only!

2. Use a Referral Link (How the Offer Works)

The 90% discount and $100 gift card are activated through authorized partner referral links. When you sign up through a referral, the discount applies automatically.

Verified Partner Offer
✅ 90% Off for 6 Months + $100 Amazon Gift Card
Discount auto applies | 203 People Used | Rating: 5/5
Activate Offer | On-Going (February 2026)

This combines the best of both worlds:

You get the 90% off for 6 months
You get the $100 Amazon gift card
It’s official and approved by Xero
There’s no catch or hidden fees

3. Free Trial (Test Before You Buy)

Even with the 90% discount, Xero still offers a free trial to test the software. You can explore all the features before committing to any payment.

During your free trial, you can:

Set up your whole accounting system
Import your bank statements
Send invoices to customers
See if Xero fits your business

This is risk-free – if you don’t like it, simply don’t continue.

Pro Tip: While you can start with the free trial and then apply the partner discount, you’ll get more value (6 months at 90% off vs 30 days free) by using the partner link directly.

4. Annual Payment Option

After your first 6 months at 90% off, you can choose to pay annually instead of monthly for additional savings. Annual payments typically save you 10-15% compared to monthly billing.

5. Partner Discounts

Some Xero accounting partners offer special deals when you become their client. If you’re hiring an accountant anyway, ask if they have any Xero promotions.

Many Australian accounting firms include Xero in their service package, sometimes at a reduced rate.

How to Activate the Xero 90% Discount + $100 Gift Card

Step 1: Use the Partner Link

Click the verified partner link below. The 90% discount activates automatically—no code required.

👉 Xero Discount Link (Discount auto applies)

Step 2: Create Your New Account

Enter your email, create a password, and add basic business information.

Step 3: Choose Your Plan

Select the plan that matches your needs:

Grow – Usually $75 AUD per month, now $7.50 AUD per month
Comprehensive – Usually $100 AUD per month, now $10 AUD per month
Ultimate 10 – Usually $130 AUD per month, now $13 AUD per month

Step 4: Verify Your Email

Click the activation link sent to your inbox to confirm your account.

Step 5: Enter Payment Details

Add your payment method to activate the discounted subscription. You can cancel anytime before renewal.

Step 6: Connect Your Bank (For Gift Card)

To qualify for the $100 Amazon gift card:

Connect your Australian bank account within the first 7 months
Maintain your subscription for at least 7 months

Your gift card will be sent to your email after meeting these requirements.

That’s it!

Is Xero Worth the Money?

Let’s be honest about costs. But with the current 90% off promotion + $100 gift card, this is the easiest decision ever!

The Numbers Make Sense (February 2026)

With the 90% discount + $100 gift card:

Grow Plan: $7.50/month for 6 months = $45 total – $100 gift card = You’re $55 ahead
Comprehensive Plan: $10/month for 6 months = $60 total – $100 gift card = You’re $40 ahead
Ultimate 10 Plan: $13/month for 6 months = $78 total – $100 gift card = You’re $22 ahead

You literally make money by signing up! The gift card is worth more than the subscription cost.

Time Savings

Most business owners save 5-10 hours per month on bookkeeping. If your time is worth $50 per hour, that’s $250-$500 saved monthly. Even at the regular price, the software pays for itself. At 90% off with a $100 gift card, it’s an absolute no-brainer.

Tax Accuracy

Making mistakes on your BAS or tax return can cost you hundreds or thousands in penalties. Xero helps you stay accurate and organized. Even one prevented mistake pays for years of Xero.

Professional Image

Sending professional invoices makes you look established. Customers pay faster when your invoices look good. Better cash flow = better business.

Peace of Mind

Always knowing your exact financial position helps you make better business decisions. No more guessing if you can afford something.

Accountant Fees

Some accountants charge less if you use Xero because it makes their job easier. This can save you $1,000-$2,000 per year – far more than Xero costs.

The 6-Month Advantage

Use the first 6 months at 90% off to really learn the system and see the benefits. By the time you start paying full price, you’ll wonder how you ever managed without it.

For most Australian small businesses, Xero saves far more money than it costs – especially with this incredible February promotion.

✅ Your Risk-Free Guarantee: Cancellation & Refunds

Let’s address the elephant in the room: What if you don’t like it?

Can you cancel during the 6-month promotional period?
Yes, absolutely. You can cancel anytime, even during the discounted months. There’s no minimum commitment or cancellation fee.

Will you lose your data if you cancel?
No. Xero keeps your data for a period even after cancellation. You can export all your records before canceling. Your financial history isn’t held hostage.

Do you get charged if you forget about it?
Xero sends email reminders before renewal. You’ll know when the 6-month promotion ends and when you’ll be charged the regular rate. No surprise bills.

Can you downgrade instead of canceling?
Yes! If the plan you chose is too much, you can downgrade to a cheaper plan anytime. The 90% discount applies to whichever plan you’re on during the promotional period.

What about the free trial?
Some plans offer a free trial before you even enter payment details. You can explore Xero completely risk-free, then decide if you want to buy with the 90% discount.

Can you pause your subscription?
While Xero doesn’t have a formal “pause” feature, you can cancel and re-activate later. Your data is preserved.

What happens to the gift card if I cancel?
You need to maintain your subscription for at least 7 months to receive the $100 Amazon gift card. If you cancel before 7 months, you won’t receive the gift card.

Bottom line: At $7.50-$13/month for 6 months, plus getting a $100 gift card, you’re literally making money to try professional accounting software. If it doesn’t work for you after 7 months, cancel. The gift card is yours to keep.

The real risk is NOT trying it and continuing to waste hours on manual bookkeeping that Xero could automate.

Xero vs Other Accounting Software

Wondering if Xero is the right choice? Here’s how it compares:

Xero vs MYOB

MYOB is Xero’s main competitor in Australia. Both are excellent, but:

Xero is generally easier to use with a cleaner interface
MYOB has stronger Australian payroll features for complex payroll needs
Xero is better for businesses with accountants (most Australian accountants prefer it)
MYOB is better for retail with advanced inventory features
Xero has better bank feeds and third-party integrations

Want a detailed comparison? Check out our Xero vs MYOB guide.

Xero vs QuickBooks

QuickBooks is popular internationally but less so in Australia:

Xero has better Australian compliance (GST, BAS, STP)
QuickBooks has more features globally but less AU-specific
Xero has better Australian bank connections
QuickBooks is cheaper at entry level but Xero offers better value

Learn more: Xero vs QuickBooks comparison

Xero vs Wave

Wave is free accounting software, so it’s tempting. But:

Xero has better bank connections with all major Australian banks
Xero has better support with live chat and phone support
Wave is very basic with limited features
Wave doesn’t handle Australian compliance as comprehensively (no STP, limited BAS support)
Xero is worth paying for if you value your time and need proper Australian compliance

Read more: Xero vs Wave detailed comparison

Xero vs Sage

Sage is less common in Australia:

Xero is more modern and cloud-based from the ground up
Sage is better for very large businesses with complex needs
Xero has better Australian-specific features
Xero is easier for non-accountants with intuitive design

Full comparison: Xero vs Sage

Want to see all your options? Check out our guide to the best accounting software for small businesses.

Who Should Use Xero?

Xero is perfect for:

Freelancers and Sole Traders

If you work for yourself and need to send invoices and track expenses, Xero makes it simple. The Grow plan at $7.50/month (during promotion) covers everything you need.

Small Business Owners

Running a shop, restaurant, service business, or online store? Xero handles all the accounting you need. GST tracking, BAS lodgement, and bank reconciliation all automated.

Growing Businesses

Started with spreadsheets but outgrowing them? Xero is your next step up. Multi-currency support, inventory tracking, and advanced reporting help you scale.

Businesses with Accountants

If you have (or want) an accountant, they probably recommend Xero. Most Australian accountants use it and can access your account for free.

Mobile Business Owners

Always on the move? Xero’s mobile app means you can manage your finances from anywhere. Send invoices from client sites, snap receipt photos, check cash flow on the go.

E-commerce Sellers

Selling on Shopify, WooCommerce, or eBay? Xero integrates with these platforms to automatically track sales, fees, and payments.

Businesses with Employees

Need to run payroll? Xero’s STP-compliant payroll features handle wages, super, and ATO reporting automatically.

⚠️ When Xero Is NOT the Right Choice (Honest Truth)

Let’s be completely honest. Xero is excellent, but it’s not for everyone. You should NOT use Xero if:

You Have Zero Revenue Yet

If you’re still in the idea stage with no customers and no income, you don’t need Xero yet. Start with a free tool like Wave or even a spreadsheet. Come back to Xero when you’re actually making money.

You Run a Hobby, Not a Business

If you’re doing something casually with no intention to grow or make serious money, Xero is overkill. Don’t pay for software you don’t need (though at $7.50/month + $100 gift card, you could argue it’s worth it just for the gift card!).

You’re Extremely Inventory-Heavy Retail

If you’re running a warehouse with thousands of SKUs, complex inventory costing, or manufacturing with bill of materials, Xero’s inventory features might feel limited. You might need something more specialized like MYOB Advanced or Dear Inventory integrated with Xero.

You Need Deep Manufacturing Costing

If you manufacture products and need detailed costing with raw materials, work-in-progress tracking, and production scheduling, Xero won’t cut it. Look at industry-specific manufacturing software instead.

You Hate Technology and Refuse to Learn

If you genuinely can’t or won’t learn any new software, hire a bookkeeper instead. Xero is easy, but it’s still software. You need to spend a few hours learning it.

You Want 100% Free Forever

Xero costs money after the promotional period. If you absolutely refuse to pay anything for accounting software ever, stick with Wave (which is free but more limited and doesn’t handle Australian compliance as comprehensively).

You’re a Very Large Business

If you have 100+ employees, multiple departments, complex consolidations, or multi-entity structures, Xero might not scale enough. You probably need enterprise software like MYOB Advanced or NetSuite.

You Need Extremely Complex Payroll

If you have very complex payroll needs (200+ employees, complex award interpretations, multiple pay cycles), you might need specialist payroll software, though Xero can handle up to 100 employees on Ultimate plans.

Real talk: If any of these describe you, save yourself the hassle. Xero is brilliant for small to medium Australian businesses, but it’s not a miracle solution for every situation. Better to know now than waste time and money.

Getting Started with Xero: First Steps

Once you’ve signed up (hopefully using our discount link!), here’s what to do first:

Day 1: Basic Setup

Add your business details (address, ABN, business structure)
Connect your Australian bank account
Set up your invoice template with your logo
Create your product or service list

Week 1: Learn the Basics

Record a few expenses to see how it works
Send a test invoice to yourself
Reconcile a few bank transactions
Watch Xero’s tutorial videos (they’re short and helpful)
Set up your GST settings

Month 1: Build Your System

Set up recurring invoices for regular customers
Invite your accountant if you have one (free access!)
Explore the reports to understand your finances
Connect any other tools you use (like your e-commerce platform)
Set up bank rules to automate categorization
Configure your BAS settings

Month 2+: Use It Regularly

Spend 30 minutes every week reconciling transactions
Send invoices as soon as you complete work
Check your cash flow report regularly
Use insights to make better business decisions
Prepare your BAS using Xero’s tools
Run payroll if you have employees

✓ Your Xero Success Checklist

Before we go further, here’s a quick checklist to make sure you’re getting the most from Xero:

Setup Phase (Week 1):

Sign up using the 90% discount + $100 gift card link (February only)
Connect your Australian bank account
Add your business details, ABN, and logo
Create your first invoice template
Set up your product/service list
Configure your GST settings

Getting Comfortable (Month 1):

Reconcile your first 10 bank transactions
Send 3-5 invoices to real customers
Record your regular business expenses
Watch at least 2 Xero tutorial videos
Invite your accountant (if you have one)
Set up Hubdoc for receipt capture
Configure BAS settings

Mastery (Month 2+):

Set up recurring invoices for regular clients
Create bank rules to automate categorization
Review your profit & loss report monthly
Check cash flow forecast weekly
Use the mobile app for on-the-go tasks
Prepare and lodge BAS through Xero
Run STP-compliant payroll (if applicable)

Gift Card Qualification (First 7 Months):

Connect your bank within 7 months
Maintain active subscription for 7 months
Receive your $100 Amazon gift card!

Pro Tip: Don’t try to learn everything at once. Master the basics first, then explore advanced features as you need them.

Common Questions About Xero Promo Codes Australia

Q: Is the 90% discount + $100 gift card real?

A: Yes, it’s a legitimate Xero promotion. You get 90% off for 6 months when purchasing during February 2026, plus a $100 Amazon gift card when you meet the qualification criteria (connect bank and maintain subscription for 7 months).

Q: What happens on March 1, 2026?

A: The $100 Amazon gift card bonus ends. The discount may change or end as well. If you sign up in February, you get the discount and qualify for the gift card. If you wait until March, you’ll miss the gift card and may pay more.

Q: Do I have to pay for 6 months upfront?

A: No, you pay monthly at the discounted rate (e.g., $7.50/month for Grow Plan for 6 months).

Q: What happens after the first 6 months?

A: Your plan renews at regular price (e.g., $75/month for Grow). You can cancel anytime if you don’t want to continue, or you’ll likely find the value worth the regular cost. You’ll still have your $100 gift card.

Q: Can I use the referral link with the 90% discount?

A: Yes. The referral link IS how you access the 90% discount and $100 gift card offer.

Q: Are there actual promo codes to enter?

A: No. Xero doesn’t use manual coupon codes. Discounts apply automatically when you sign up through promotional or referral links.

Q: Can I use multiple promo codes together?

A: No, only one discount at a time. The 90% off for 6 months + $100 gift card is currently the best available deal.

Q: Can I switch plans during the promotional period?

A: Yes, upgrade or downgrade anytime. The 90% discount applies to whichever plan you choose during the first 6 months.

Q: What if I don’t like Xero after signing up?

A: Cancel anytime with no penalty. However, you need to maintain your subscription for 7 months to receive the $100 gift card.

Q: Does Xero work with Australian banks?

A: Yes, it connects to all major Australian banks including CommBank, NAB, Westpac, ANZ, and hundreds of credit unions and smaller institutions.

Q: Is Xero compliant with ATO and Single Touch Payroll?

A: Yes, Xero is fully STP-enabled and ATO compliant. It handles GST, BAS lodgement, and real-time payroll reporting.

Q: Can I get the $100 gift card if I cancel before 7 months?

A: No, you must maintain your subscription for at least 7 months to receive the gift card.

Q: When will I receive my $100 Amazon gift card?

A: After you’ve connected your bank and maintained your subscription for 7 months, the gift card will be sent to your registered email address.

Q: Does Xero handle superannuation?

A: Yes, Xero automatically calculates super contributions and integrates with SuperStream-compliant clearing houses for easy payments.

Tips for Getting the Most from Xero

Now that you know how to save money on Xero, here’s how to get the most value:

1. Use It Weekly, Not Monthly

Don’t let your bookkeeping pile up. Spend 30 minutes each week instead of 4 hours at month-end. You’ll make fewer mistakes and have better information.

2. Connect Everything

Link your bank account, PayPal, Stripe, and any other payment platforms. The more Xero sees automatically, the less work you do.

3. Set Up Bank Rules

After you’ve categorized a few expenses, Xero learns. Set up rules so future similar expenses are categorized automatically. This saves hours every month.

4. Use the Mobile App

Snap photos of receipts immediately instead of keeping paper receipts. Your phone becomes your filing cabinet. The Hubdoc integration makes this even easier.

5. Check Your Dashboard

The Xero dashboard shows your money situation at a glance. Check it every few days so there are no surprises. The cash flow forecast is particularly useful.

6. Invite Your Accountant

Even if you do most of the work yourself, letting your accountant peek in occasionally means they can spot problems early. Accountant access is FREE on all plans.

7. Use the Reports

Xero creates beautiful reports automatically. The Profit & Loss and Cash Flow reports are especially useful for making business decisions. The Balance Sheet helps you understand your overall financial position.

8. Enable Auto-Reconcile (Beta)

On all plans, Xero’s auto-reconcile feature can match transactions automatically. This is still in beta but works well for most businesses.

9. Set Up Recurring Invoices

If you have customers who pay monthly, set up recurring invoices. Xero will send them automatically and even chase late payments.

10. Use BAS Lodgement Features

Prepare your BAS directly in Xero and lodge it to the ATO. This saves time and ensures accuracy.

11. Automate Superannuation

Set up automatic super calculations and use Xero’s integrations with super clearing houses to pay your employees’ super on time.

Real Business Owner Stories

David’s Plumbing (Sydney)

“As a plumber, I’m always on the move. With Xero’s app, I can send an invoice as soon as I finish a job. Customers pay me faster now because they get the invoice while the job is fresh in their mind. My cash flow improved by 25%. The STP feature means I don’t worry about ATO compliance anymore. When I signed up during the promotion at $7.50/month, I actually made money – the gift card was worth more than the subscription!”

Lisa’s Cafe (Melbourne)

“I was drowning in receipts and spreadsheets. Xero changed everything. I snap photos of receipts with Hubdoc, my bank transactions import automatically, and my accountant can see everything in real-time. BAS time used to be stressful – now it takes 10 minutes. With the 90% discount, I paid $45 for 6 months and got a $100 Amazon gift card. I used the gift card to buy new coffee equipment. Best business decision ever.”

Tom’s E-commerce (Brisbane)

“I sell on Shopify and eBay. Xero connects to both platforms and automatically pulls in all my sales. It calculates my GST, tracks my inventory, and shows my actual profit after all fees and shipping. Before Xero, I had no idea if I was actually making money. Now I know exactly where I stand. The multi-currency feature on the Comprehensive plan handles my international sales perfectly. My accountant loves it too.”

Sarah’s Consulting (Perth)

“I was using Excel spreadsheets before Xero. Everything was a mess at BAS time. Now my accountant loves me because everything is organized. She even reduced her fees because Xero makes her job easier. Between the time I save and the lower accounting fees, I’m actually making money by using Xero. The current 90% off deal + $100 gift card makes it even better for new businesses. I recommended it to five other consultants.”

Switching to Xero from MYOB, QuickBooks, or Spreadsheets

Migrating your books to Xero is straightforward:

Bank feed connections – Automatic transaction imports from Australian banks
CSV file uploads – Import historical data from spreadsheets
Data migration tools – Import from MYOB or QuickBooks
Chart of accounts – Map your existing accounts to Xero
Invite your accountant – Free access with no extra seat cost
Support available – Xero’s support team can help if you get stuck

Most users complete their migration in a few hours. The 90% discount gives you 6 months to fully transition without financial pressure.

Alternatives to Consider

While Xero is excellent, it’s worth knowing your options:

Want more comparisons? Read our comprehensive guides:

Xero Reviews – What real users say
Xero Pricing Plans Explained – Detailed breakdown
Best Accounting Software for Small Business in 2026 – Why Xero stands out
Best QuickBooks Alternatives – If you’re leaving QuickBooks
Accounting Software for Freelancers – Freelancer-specific guide
How to Choose Accounting Software – Decision framework

Regional Xero Guides:

Xero Promo Code UK – For UK businesses
Xero Promo Code NZ – For New Zealand businesses

Final Thoughts: Don’t Miss This February Offer!

Here’s the truth: Xero is one of the best investments an Australian small business can make – and right now, with 90% off + a $100 Amazon gift card, it’s the best deal we’ve ever seen!

This promotion is February 2026 only. That means it could end in just a few weeks!

Think about what you’re getting:

✅ Professional accounting software for less than a coffee per week
✅ Save up to $702 in your first 6 months
✅ Get a $100 Amazon gift card (worth more than 6 months of any plan!)
✅ Hours of time saved every week
✅ Professional invoices that get paid faster
✅ Peace of mind about your finances
✅ Better information to grow your business
✅ Full ATO compliance with GST, BAS, and STP
✅ Free accountant access
✅ Automated superannuation

The Real Value Isn’t Just the Discount

Yes, saving $400-$700 in your first 6 months PLUS getting a $100 gift card is incredible. But the real value is what Xero does for your business:

Saves you hours every month
Helps you look professional
Reduces costly mistakes
Gives you better financial information
Makes BAS time less stressful
Ensures ATO compliance automatically
Helps you work better with your accountant
Improves cash flow with faster payments

By the time the discount ends after 6 months, you’ll see so much value that the regular price feels cheap.

Don’t Wait Until March

Here’s what happens if you wait:

You might forget about this offer
The promotion ends and you miss out on $400-$700 in savings
You miss the $100 Amazon gift card
You keep wasting hours on manual bookkeeping
You delay having proper financial clarity

Here’s what happens if you act today:

You lock in 90% off for 6 months
You get a $100 Amazon gift card
You start saving time immediately
You get professional accounting for pennies (or actually make money!)
You can test it risk-free

Ready to Start?

👉 Get 90% off + $100 Amazon gift card – February only!

Start with the free trial if you want. You don’t need a credit card for some plans, and you can explore everything. Try it out. Connect your bank. Send a few invoices. See how much time you save.

Most business owners who try Xero never go back to spreadsheets or paper accounting. Once you experience how simple it makes your financial life, you won’t want to work any other way.

And at 90% off with a $100 gift card? You’re literally getting paid to try it. There’s absolutely no reason not to.

Next Steps

Don’t let this February offer slip away!

Click here to get 90% off + $100 gift card (February only)
Choose the plan that fits your business size (remember, you’re getting 90% off!)
Start your free trial to test everything
Connect your Australian bank account
Watch a quick tutorial video
Start saving time and money today
Connect your bank within 7 months and maintain subscription to get your $100 gift card

Important Reminder: This 90% discount + $100 Amazon gift card offer is February 2026 only. After that, the gift card bonus ends and the discount may change. Lock in your savings now!

The best time to organize your business finances was when you started your business. The second best time is today – especially when you can get 90% off AND a $100 Amazon gift card!

Good luck with your business, and enjoy the extra time, money, and peace of mind that Xero brings!

More Helpful Resources

Want to learn more about managing your business finances? Check out these helpful guides:

Compare Xero to competitors:

Regional guides:

Disclaimer

Promotional offers and pricing can change. The 90% discount and $100 Amazon gift card mentioned in this article are valid for new customers who sign up during February 2026 through authorized partner links. Always check Xero’s official website for current pricing and terms.

We may earn a commission if you sign up through our referral link, at no extra cost to you. This helps us keep creating helpful content for small business owners like you.

All prices mentioned are in AUD and exclude GST unless otherwise stated. Xero is a registered trademark of Xero Limited.

Gift card terms: You must connect your bank within 7 months and maintain an active paid subscription for at least 7 months to receive the $100 Amazon gift card. Gift card will be sent to your registered email address.