Accounting
Does Xero store data in Canada?
Xero online accounting
No.
Xero does not offer storage in Canada. It is owned in New Zealand, not Canada or the US.
Tier 5: Data leaves CanadaNo Canadian storage option, whoever the owner is.
Checked 2026-10-13 against the vendor's own pages.
The facts, claim by claim
- Where data is stored
- AWS, servers in the United States
- Where it is processed
- United States
- Support and backups
- Data replicated between data centres in different locations (Xero)
- Owner
- Xero Limited (New Zealand; listed on the ASX) · Parent country: New Zealand
- Servers run by
- Amazon Web Services · US company
- Customer-held keys
- Not recorded
- Certifications
- Not recorded (blank means not checked, not none)
- Worth knowing
- Not US-owned, but stores data in the US on AWS.
What the rules say about this
- US CLOUD Act: The owner is not American, but a US company runs the servers underneath.
- Nova Scotia public bodies: Storage outside Canada needs the head of the public body's approval and a report.
- Federal Protected B: Canadian facilities are the principal option departments must evaluate; this listing offers none.
- Québec Law 25: A privacy impact assessment is required before personal information leaves Québec.
- OCAP®: Data held by any outside vendor is not in the Nation's possession, whoever owns the vendor.
Summaries only; each rule page links the law or regulator. Not legal advice.
Canadian alternatives to Xero
Other accounting listings that are Canadian-owned, not US-owned, or self-hostable.
| Listing | Tier | Stored in Canada? | Owner | Servers run by |
|---|---|---|---|---|
| Sage 50 (cloud-hosted) | Tier 3: Not US-owned, data in Canada | Yes | United Kingdom | US company |
| Sage Intacct | Tier 3: Not US-owned, data in Canada | Yes, if you choose it | United Kingdom | US company |
| Zoho Books | Tier 3: Not US-owned, data in Canada | Yes | India | Owner not stated |
Sources
All checked 2026-10-13. Claims about storage and ownership rest on the vendor's own pages (or its parent's); supporting links can include regulators and program lists.
- Where the data is stored: https://www.xero.com/us/data/xero-and-gdpr/
- Who owns it: https://www.xero.com/us/media/factsheet/