Osome vs Harvest: Comparing Accounting Services in Singapore (2026)

If you're comparing Osome and Harvest, you're weighing two different models: an app you largely run yourself, or a dedicated team running your books on your own Xero. We're Harvest, so we have our view, but the real question is which suits how you like to work. Both keep you compliant with IRAS and ACRA. Here's where each one fits, and one thing worth checking before you sign with any app-first provider.

At a glance

Pricing here is indicative, drawn from Osome's published Singapore pricing in 2026. Both providers price by tier, so confirm the current figure for your revenue band on the provider's own page.

Where they're similar

Both are cloud-based, both publish their prices, and both cover the Singapore essentials: GST, corporate tax, annual returns, and AGM support. Both also bundle admin so founders don't have to coordinate several suppliers. Where they part company is the software model, the pricing structure, and who actually does the work.

Where they differ

Software and data ownership: the one to check

This is the most important difference. Harvest sets up every client on their own Xero organisation, in the company's name. You can log in any time to see your numbers, and if you ever leave, the books are yours to take with you. One client, bSide Agency, logs into Xero twice a day, not because she has to, but because she wants to track how the business is doing.

Osome gives you a choice. Per their own published guidance, you can keep your own Xero subscription, with Osome's accountants working inside it, or move to Osome Accounting, its in-house software. In 2026 Osome leads with its own platform, so Xero now sits alongside that rather than at the centre of it. With Harvest, your own Xero is the foundation, not one option among several. If you take Osome's own software, do the sensible due diligence: confirm you can export and keep your records if you ever switch. Owning your books is simplest when they live in your own Xero from day one.

Service model: app or dedicated team

Osome is built around its app, with support delivered in-app. It's low-touch by design, which suits founders who like to manage things themselves on their phone.

Harvest gives every client a named team: a Client Manager, a Bookkeeper, and a Reviewer, with the same point of contact retained over the long term. Real people you can get on a call with, and who will form a relationship with you and get to know and understand your business. Month-end is proactive rather than something you chase: we send a short checklist, you upload what's needed, and the reporting follows within ten working days. If you'd rather have a dedicated team that knows your business than in-app support, that's the difference.

As Kristen Romain, Founder and Director of Swish Swimming, put it: "We've had the same main point person since we started, many years ago, which is just exceptional. It's not just a chop-chop-change culture."

Pricing: revenue tiers or a fixed fee

Osome prices accounting by your annual revenue, with low entry tiers and add-ons for GST filing, payroll, XBRL, and historical work. Revenue-based pricing is simple to understand, though it means your fee can rise with turnover even if your transaction volume hasn't.

Harvest sets its fee by your transaction volume and the complexity of your accounts, the work actually involved, rather than by your revenue. It starts from S$300 a month, with GST, payroll, and corporate secretary as clear add-ons. The Xero subscription is billed separately, though subscribing to Xero through Harvest gets you a 10% lifetime discount off Xero's list price. For a small business, Osome's entry tier can be cheaper; for an operating SME that wants a dedicated team and its own Xero, ours could be more predictable, because it tracks the work rather than your turnover. Our guide to what accountants cost in Singapore walks through the real all-in numbers.

Depth of Xero expertise

We run every client on Xero. We're a Xero Platinum Partner and the 2025 Xero Partner of the Year for Singapore as well as Digital Innovator 2025. We put the whole platform to work: bank feeds, Dext receipt capture, app integrations, and reporting built so the numbers are useful. Our Xero accounting service covers how we set it up and run it.

Who Osome is best for

• Early-stage or micro-businesses wanting the lowest-touch, app-first experience.
• Founders comfortable managing their accounting through an app rather than a team.
• Businesses that want incorporation and compliance bundled at a low entry price.

Who Harvest is best for

• SMEs that want their books on their own Xero organisation, in their own name.
• Founders switching from a freelance bookkeeper or a traditional, paper-based firm.
• Owners who value a dedicated and proactive team, deep Xero expertise, and reporting that's never late.

A useful rule of thumb: app-first bookkeeping suits early-stage businesses with straightforward books. As your transaction volume grows, your accounts get more involved, or you build an internal finance function, most businesses want a dedicated team and full control of their own Xero. That is the point where Harvest tends to be the better fit.

As one client, Strengths School, put it: "Things like filings, taxes and accounting, that's definitely my valley, and they are a mountain there. So much man hours saved."

Switching to Harvest

If you're on Xero already, moving to Harvest is not a rebuild: we review your organisation, tidy it, and take over the monthly work. If you're currently on an app-first provider's own platform and don't yet have a Xero organisation in your own name, we set one up and migrate you across as part of onboarding, so from day one the books are yours. The Productivity Solutions Grant (PSG) can cover up to 50% of qualifying Xero setup and migration costs.

Frequently asked questions

Is Osome or Harvest better for a small business? If you want the lowest-cost, app-first admin and you're comfortable self-managing, Osome's entry tiers are competitive. If you want a dedicated team, your own Xero organisation, and monthly reporting you can rely on, Harvest is the stronger fit for an operating business.

Does Osome use Xero? Osome supports Xero as an option: you can keep your own Xero subscription with Osome's accountants working in it, or use Osome Accounting, its own software. In 2026 Osome's primary platform is increasingly its own system, so Xero sits alongside it rather than at its centre. Harvest runs every client on their own Xero by default, and is a Xero Platinum Partner and the 2025 Xero Partner of the Year.

Will I own my accounting data with Harvest? Yes. Your Xero organisation is in your company's name. You can log in any time, and if you ever leave, your records go with you.

Is Harvest more expensive than Osome? On the headline number, Osome's lowest revenue tier is cheaper, because it's priced for the smallest businesses and excludes some add-ons. Once you add the services most operating businesses need, the two move closer. Harvest's from-S$300 fee is set by your transaction volume and the complexity of your accounts, with the Xero subscription billed separately.

Which one should I choose? Choose Osome if a low-cost, app-first experience matters most. Choose Harvest if you want your own Xero, a dedicated team, and predictable pricing. For the wider market, see our comparison of the best accounting software for Singapore.

Want your own Xero, run by a team that knows your business? See how Harvest works, or talk to us about switching.