Wave vs Xero: bank connections
| Wave | Xero | |
|---|---|---|
| Data providers | Plaid | Plaid, Yodlee, Direct bank feeds |
| Uses Plaid | Yes (only) | Yes (one of several) |
| Price | Starter plan free; automatic bank imports need Pro, $19/month or $190/year | Early $27/month, Growing $59, Established $97 (90% off for 6 months shown Oct 19, 2026); some direct feeds cost extra |
| Website | Visit Wave | Visit Xero |
| Details | Wave page | Xero page |
More providers usually means more ways to connect a given bank, but not necessarily better reliability. Check your bank’s page.