In today’s business environment, financial management isn’t optional—it’s a daily reality for every company. But for most SMEs in Singapore, the existing options usually come down to two less-than-ideal choices:
You can choose a “DIY” SaaS tool like QuickBooks, Xero, Booke AI. These tools can be powerful, but they assume you (or your team) understand accounting, and they require you to maintain, review, and handle the details. For many Singapore SME owners, that’s not realistic—they don’t want to deal with complex workflows, risk making errors, or pay for a full-time finance team they can’t afford.
The other option is hiring a traditional accounting firm to handle everything for you. But that often means slower communication, manual processes, higher costs, and less real-time visibility for owners.
This is exactly why so many SME owners choose to outsource accounting:
They don’t have accounting knowledge
It’s too much hassle
They want answers on demand
Hiring in-house is too expensive
ccMonet offers a third choice: an AI-powered hybrid SaaS platform designed specifically for Singapore’s SMEs and accounting firms. It combines intelligent automation with professional review and 24/7 expert support to deliver Simple. Smart. Reliable. Accounting, so you can focus on growing your business, not managing paperwork. In this post, we'll compare ccMonet vs. Osome across features, user experience, interface design, target audience, and pricing to help you find the right fit for your business.
Simple: Just snap and upload receipts using your phone. Any staff member can do it—no training required.
Smart: Advanced AI reads multi-language and handwritten invoices, automatically categorises expenses, reconciles daily with your bank, and streamlines expense claims. Real-time reporting helps business owners make faster decisions, supporting industry-specific workflows for F&B, logistics, clinics, property, and more.
Reliable: Every transaction is reviewed by certified accountants for compliance and accuracy. With 24/7 expert support, you always have someone ready to help.
Full Service Scope: One-stop platform covering bookkeeping, reconciliation, expense management, tax compliance, and corporate secretarial support—all designed for Singapore’s multi-currency, multi-language environment.
Osome:
Focuses on providing professional accounting and corporate secretary services bundled with its own software
Includes unlimited bookkeeping, invoicing, expense capture, and GST support depending on plan
Emphasises dedicated accountants who help with filings, compliance, and planning
Strong corporate secretarial features including AGM management, changes in company details, share management
Flexible packages tailored to your revenue stage
But:
Manual document submission is often required for bookkeeping
Relies on support via in-app chat with limited hours for deeper consultation
Some tasks (like expense classification) still need human input from you or your staff
Integration setup is needed for banks, eCommerce, marketplaces Why does this matter? Osome is a strong service-led solution, but it’s still reliant on you providing correct, complete data, and often requires manual follow-ups. ccMonet is Outcomes as a Service: just snap a photo, and AI plus our expert team handles the rest. It’s built for busy Singapore SMEs that want to save time, reduce errors, and avoid manual accounting chores.
ccMonet: Truly Designed for Everyone
Ultra-simple, mobile-first interface, so anyone—drivers, waiters, admin staff—can instantly snap and upload receipts
AI automatically handles 80–90% of categorisation, reconciliation, and data entry
Certified accountants ensure 100% accurate, compliant records
Real-time dashboards with clear insights
24/7 expert support built in
Core Experience: Frontline staff snap → AI processes → Experts review → Business owner views real-time reports
Osome:
Web-based portal and app for managing accounting tasks
Requires you to submit documents manually (e.g., invoices, bills)
Chat-based queries and document tracking
Best results when you regularly keep up with submission and respond to clarifications Core Experience: Owner/staff uploads documents → Accountant reviews → Owner answers follow-up questions → Reports generated For many Singapore SMEs, this difference is crucial. Osome’s approach is very human-driven, with communication via chat and email. ccMonet is designed for true automation, so staff can use it with minimal training and owners get instant visibility without constant back-and-forth.
ccMonet:
Mobile-first, “snap and go” design
Intuitive, clean interface for frontline staff
Automated, expert-reviewed results delivered seamlessly
Dashboards with clear, visual reports—even for owners with no accounting background
Real-time alerts and insights
Osome:
Web and mobile apps focused on document submission and communication
Supports tracking filings, incorporation documents, compliance deadlines
Chat interface for asking questions and getting support
Emphasises human support over automation Many SME owners want accounting software that “just works” without learning curves or chat threads. Osome offers a strong service layer but still depends on manual inputs and checking. ccMonet focuses on pure ease-of-use and automation, so any employee can keep things moving while owners get clear, real-time answers.
ccMonet Advantages:
Simple: Extremely low barrier to entry—any employee can use it with no training
Smart: AI automates the majority of the work
Reliable: Certified accountants ensure accuracy and compliance
All-in-one: Bookkeeping, reconciliation, expense claims, tax, corporate secretarial services
24/7 expert support: Always available to help
Osome:
Dedicated accountants provide expert advice
Manual document submission required for most tasks
Chat support is responsive but not 24/7 live
Best for owners willing to manage communication actively For many Singapore SME owners, the biggest challenge isn’t just data entry—it’s getting answers fast when things get complicated. Osome’s approach is helpful but relies on chat conversations and follow-ups. ccMonet includes 24/7 expert human support built in, so you’re never left waiting for your next reply.
Who is ccMonet for?
SME owners without accounting backgrounds who want true peace of mind
Frontline staff who need an easy way to submit receipts
Accounting firms managing multiple SME clients
Industries with complex, multi-currency, multi-language needs: F&B, clinics, property, logistics, auto workshops
Who is Osome for?
Founders who want professional accountants handling their filings
Solo entrepreneurs and small businesses comfortably provide documents regularly
Companies looking for bundled accounting and corporate secretary services
Businesses that want a strong service partner but don’t need automation for daily operations For many local SMEs, the question is: do you want to manage document uploads and chat threads yourself? If so, Osome is a strong service partner. But if you want hands-off, AI-powered bookkeeping with expert review, ccMonet is built specifically for you.
ccMonet:
Transparent, pay-as-you-need pricing
All-in-one: AI automation plus expert human review included
No extra software, add-ons, or staff needed
Lower total cost of ownership for SMEs wanting real accounting outcomes
Osome:
Tiered plans priced by revenue and needs
Additional costs for incorporation, nominee director services, and some filings
Chat-based support with SLA hours
Manual document handling can take staff time This matters for Singapore SMEs watching their budgets. Osome’s pricing is clear, but tasks like receipt classification and data entry still require your time or staff. ccMonet’s pricing is all-inclusive and fully automated, letting SMEs plan with confidence and avoid surprises.
ccMonet
AI-driven receipt capture, reconciliation, and expense claims
Automatic, real-time reporting
Certified accountant review for accuracy
24/7 expert support to solve the SME pain point: “I don’t know what to do, and there’s no one to ask
Osome
Manual uploads of invoices and bills
Accountant clarifies and asks follow-up questions
Helpful for compliance but requires owner/staff attention For many SME owners, the biggest cost isn’t just money—it’s time. They don’t want evenings spent uploading receipts or checking email threads. ccMonet’s approach genuinely saves hours each month, letting owners focus on customers, staff, and growing the business.
Osome is a strong choice for businesses wanting professional accounting and corporate secretary services bundled into one service with human guidance. It’s great if you’re comfortable uploading documents and managing chat-based support.
ccMonet is different. It’s Financial Management as a Service.
Complete peace of mind with no accounting experience required
Snap-and-go simplicity for staff
Smart AI plus expert human review for reliable, compliant results
Transparent, all-inclusive pricing with no hidden costs
24/7 support from real accountants who know your business If you’re ready to transform your business finances without the stress, ccMonet delivers Simple. Smart. Reliable. accounting—designed specifically for Singapore SMEs who want to focus on growth, not paperwork.
