Connect Xero or QuickBooks

See income, profit and what you're paying for — CostWatch fetches transactions server-side, then surfaces income, profit, recurring payments, price creep and bank fees through the same engine as individual mode.

Why businesses use CostWatch

  • Catch subscriptions you forgot you were paying for. Every recurring charge in your Xero/QuickBooks transactions gets surfaced automatically — no manual review of statements needed.
  • Get warned when a subscription's price creeps up. Flags the exact difference between a payee's first and most recent charge, so a quiet price increase doesn't slide through unnoticed.
  • Find bank fees hiding in one-off transactions. Scans every transaction — not just the recurring ones — for common fee wording (overdraft, dishonour, foreign transaction, and more).
  • See real financial position, not just spend. Pulls your actual Balance Sheet (assets, liabilities, equity) straight from your accounting platform, alongside cash-basis income and profit trends by month.
  • Read-only and reversible. Connects via OAuth2 with read-only access — CostWatch can never create, edit or delete anything in your books — and you can disconnect any time, from here or directly from Xero/QuickBooks.
  • No CSV exports, no manual work. Connect once and CostWatch keeps fetching and surfacing new data automatically, the same engine used by individual mode.
Connecting takes under a minute
  • Click Connect Xero or Connect QuickBooks below and log in with your own account for that system — no IT setup, no file exports, nothing to install.
  • Both show you exactly what's being requested (read-only access to transactions) before you approve anything, and you can revoke access from Xero/QuickBooks directly at any time, not just from here.
  • If your Xero login has more than one organisation, you'll be asked which one to connect — one extra click. QuickBooks connects to one company per authorization, so there's nothing to pick.
  • Once approved, CostWatch immediately pulls your transactions and starts showing income, profit, your balance sheet position, recurring payments, price creep and bank fees — no waiting, no manual upload.
  • Already connected Xero a while ago? Disconnect and reconnect once to pick up permissions added since — "Financial position" needs one, "Spend by category" needs another, and reconnecting is the only way to add a permission your original connection didn't grant.
  • Got a false match? Click Dismiss on any row to hide it — dismissed items are remembered on your account and won't count toward the totals, on any device you sign in from. "Show them again" undoes all of them at once.
  • Export either table to CSV any time from the buttons below it.
  • Disconnect either one on this page any time — CostWatch stops pulling data immediately and deletes the stored connection.

Supported accounting platforms

  • Xero — connected via secure OAuth2, read-only access to bank transactions only.
  • QuickBooks Online — connected via secure OAuth2, read-only access to transactions only.
  • Open Banking / CDR connectors — later.