Dext vs Hubdoc Pricing in 2026: Document Capture Costs Compared for US Bookkeepers

Short answer: Hubdoc is cheaper. It runs $12 a month on its own, and $0 on top of any paid Xero plan, while Dext Business starts at $25.21 a month billed annually for five users and 250 documents. The price gap only matters once you check what each one does with a bank statement, because that is where both of them meter, limit, or simply refuse the work. Prices below were read off each vendor's own pricing page on 21 August 2026.

The two prices, side by side

Neither tool sells a single flat number, so here is what each one actually charges a US business today.

The line that decides most of this is the third one. Xero has bundled Hubdoc into its paid business plans since March 2020, so if you already pay $25 a month for Xero Early, $55 for Growing or $90 for Established, capture costs you nothing extra. Our breakdown of Hubdoc pricing goes through the plan by plan detail, including the partner ledger plans that are not covered by the bundle.

Where the money actually goes: bank statements

Both products are built around receipts, bills and supplier invoices. Bank statements are a side feature in both, and both handle them differently enough to change your bill.

Dext meters statement extraction separately from your document allowance. The Business plan includes 10 sheets a month, and past that the add-on starts at $13.00 a month or $0.32 per document on a pay as you go basis. Line item extraction and supplier statement extraction are separately priced add-ons on the same page. A firm converting 200 statement pages a month is not on a $25.21 plan any more. The full Dext pricing page lays out every add-on and where the Practice per client plans sit.

Hubdoc does not meter statements at all, but it does restrict them. Xero's own documentation is clear about the conditions:

• Available in the United States and Canada only.
• Supported banks only, from a list Xero maintains.
• PDF files only, no larger than 40 inches or 2880 points in height and width.
• No password protected files, and no statements that contain zero transactions.
• The output is a pre formatted CSV you upload into Xero or QuickBooks Online by hand.

Free is a good price for the statements that fit those rules. The trouble is which statements do not: the scan a client made on an office multifunction printer, the phone photo of a page, the locked PDF a bank issues by default, the credit union that never made the supported list. Those are the same statements that eat an afternoon.

Which is cheaper for a bookkeeping practice?

Run the arithmetic on a practice with 20 client entities and roughly 250 statement pages a month.

Most practices end up running two things, not one, and that is a sensible outcome rather than a failure to choose. Capture handles the receipt and bill flow that Hubdoc or Dext is genuinely built for. A converter handles the statements that capture refuses, which is exactly the pile that is costing you billable hours. What you should not do is buy the more expensive capture platform in the hope that it will fix statements, because the extraction limits are a product decision, not a pricing tier.

What changed in 2026

Xero announced smart document capture on 2 July 2026: a native ingestion and extraction tool that lives in the Xero Files inbox, powered by its JAX AI layer, rolling out across most markets and in beta for Australia and New Zealand. US plan pages now list the feature as Smart Document Capture rather than Hubdoc, while the small print on the same page still points at the Hubdoc terms of use.

You will find posts claiming standalone Hubdoc was retired in May 2026. We could not confirm that from either company. On 21 August 2026 hubdoc.com is still live and still advertising the $12 subscription and the 30 day trial. If your plan depends on a standalone Hubdoc account rather than the Xero bundle, confirm with Xero before you build a workflow on it.

How much does Hubdoc cost?

Hubdoc costs $12 per month in the US as a standalone subscription, after a 30 day free trial that does not ask for a credit card. If you subscribe to a paid Xero business plan, document capture is included at no extra charge, so the effective price is zero. Each business entity needs its own subscription, which matters for anyone running several companies.

How much does Dext cost per month?

Dext Business is $25.21 per month when billed annually, which is $302.50 up front, covering five users and 250 documents a month. Month to month billing runs about $31.50. Practice plans for accounting firms are priced per client per month with a ten client minimum, and Dext does not publish that per client figure.

Is Hubdoc free with Xero?

Yes, on the paid business edition plans. Xero has included Hubdoc in Early, Growing and Established since March 2020 and still marks capture as included on all three in its US plan comparison. Partner only ledger and cashbook plans are not business edition plans, so clients parked on those do not get it.

Can Hubdoc convert bank statements to CSV?

Yes, within limits. Hubdoc extracts transactions from PDF bank statements into a pre formatted CSV for manual upload into Xero or QuickBooks Online, at no extra charge. It works in the US and Canada, for supported banks, on PDFs that are not password protected and are no larger than 40 inches or 2880 points. Scans and photographs are where it stops.

Which one should you buy?

Pick Hubdoc if you are on Xero, your document volume is ordinary and your statements arrive as clean bank downloads. You already own it, and paying for something else to do the same job is money burned.

Pick Dext if the bills and approvals workflow is the point: supplier statement reconciliation, multi step approvals, a practice managing many clients through one console. The $25.21 buys a platform, not a capture inbox, and priced against that it is reasonable.

Buy a converter as well as either of them if statements are where your hours go. Firms that handle client paperwork often find the same split in other document types too, whether that is pulling key terms out of a commercial lease or keying invoice lines, and the answer is usually a purpose built extractor rather than a bigger capture subscription. For statements specifically, our setup for bookkeeping practices handles scans, locked files and any bank, and you can test it on the statement that gives you the most trouble using the converter at the top of this page.

If you want the wider field rather than these two, the Hubdoc alternative comparison and the Dext alternative comparison cover what else is worth pricing, and DocuClipper pricing is the third quote most US firms end up collecting.