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Refrens VS Bukku: A Detailed Software Comparison

Refrens is an all-in-one accounting, e-invoicing, inventory, and CRM platform built for Malaysian SMEs. Bukku is a solid accounting tool, but SST and multi-currency sit behind paid add-ons, and there is no CRM or approval workflow layer at all.

✓ LHDN MyInvois compliant ✓ ISO/IEC 27001:2022 certified ✓ Built for Malaysian SMEs
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Quick answers

What people ask first

Short answers before the pricing tables and full feature breakdown.

Is Refrens cheaper than Bukku?

For SST-compliant, multi-currency invoicing, yes. Refrens Accounts Lite plan starts at RM25/month with SST and multi-currency already included. Bukku's comparable Seed plan is RM35/month before SST and multi-currency add-ons, which run RM12/month each plus 8% service tax.

Does Bukku have a built-in CRM?

No. Bukku's feature set covers sales transactions, purchases, banking, and inventory, but there is no lead capture, sales pipeline, or vendor onboarding layer. Refrens includes a sales pipeline and lead capture forms starting on its free plan.

Is Bukku's e-invoicing fully MyInvois ready?

Bukku supports LHDN e-invoice submission today, but its own comparison page lists MyInvois document sync and Peppol network integration as "coming," not yet live as of this writing.

Refrens vs Bukku: Malaysia Feature Comparison

Feature / CapabilityRefrensBukku
1. Malaysia Compliance & Invoicing
LHDN MyInvois E-Invoicing (Live Submission)✓ Fully Supported✓ Supported
Malaysia SST Compliance✓ Included~ Add-on (Seed/Grow)
Invoice tracking (sent/viewed/paid/overdue)✓ Yes (Natively)~ Payment status only
Smart auto-assistant (auto-fills ~80% of fields)✓ Included~ Basic auto-fill only
Approval workflows✓ Included~ Not available
Multi-Currency (MYR, USD, SGD, EUR)✓ Included~ Add-on (Seed/Grow)
Invoice API✓ Included~ Add-on (Seed/Grow)
Multiple businesses & team members✓ Included~ Limited by plan
2. Accounting & Financial Reporting
Bank Reconciliation✓ Yes✓ Yes
Double-Entry Automation✓ Yes✓ Yes
Daybook for Daily Bookkeeping✓ Yes~ Not Named Specifically
Cash Flow Statement✓ Yes✓ Yes
Document upload via OCR (AI scanning)✓ Included✗ Not Available
Product/project-wise profitability reports✓ Included✗ Not Available
3. Sales, CRM & Customer Workflows
Built-in Lead CRM & Pipeline Tracking✓ Native Built-in✗ Not Available
1-Click Quotation to Invoice Conversion✓ Instant✓ Instant
Native WhatsApp Invoicing & Reminders✓ Built-in✓ Built-in (Quota-based)
4. Inventory & Commercial Operations
Multi-Warehouse B2B Inventory Tracking✓ Up to 5 Warehouses~ Limited by Plan
Delivery Orders, Purchase Orders & Quotations✓ Complete Suite✓ Complete Suite
Barcode Scanning & Low Stock Alerts✓ Yes~ Not Listed
Automated reorder system~ Available (Add-on)✗ Not Available
SST auto-application on inventory items~ Available (Add-on)✗ Not Available
5. AI, Automation & Support
Freya AI Accounting & Financial Assistant✓ Available (Add-on)✗ Not Available
AI Expense OCR Reader & Auto-Categorisation✓ Yes~ Limited by Plan
Dedicated Account Manager✓ Yes, from Paid Plans✗ Not Available
Self-Serve, Owner-Friendly Dashboard✓ Yes✓ Yes
Whatsapp Invoice Scanning✓ Yes✗ no
Product fit

What's the real difference between Refrens and Bukku?

Both Refrens and Bukku support LHDN-compliant e-invoicing for Malaysian businesses. The bigger difference is how they approach accounting, everyday financial operations, and pricing.

Bukku focuses on core accounting and invoicing. Features such as SST tracking and multi-currency are available depending on the plan or as paid add-ons, so the final cost can increase as your requirements grow.

Refrens brings invoicing and accounting together in one connected system. Businesses can manage sales and purchase entries, expenses, bank reconciliation, ledgers, receivables, payables, cash flow, Profit & Loss, Balance Sheet, SST, and multi-currency transactions from the same platform.

The key difference is that Refrens is designed to manage the complete accounting workflow, from creating and recording transactions to tracking payments and reviewing financial reports, without having to piece together multiple add-ons.

Why Malaysian Business Choose Refrens Over Bukku

Get a clear view of your business finances, including revenue, expenses, and cash flow, while eliminating manual data entry.
Accounting and LHDN E-Invoicing in One Connected Software

Refrens brings everyday accounting and Malaysia e-invoicing into one connected workflow. Create invoices, record purchases and expenses, reconcile bank transactions, manage ledgers, and review financial reports while staying ready for LHDN MyInvois e-invoice submission.

Instead of treating invoicing and accounting as separate activities, Refrens keeps transactions connected from the moment a document is created until it reaches your books.

  • Manage sales, purchases, expenses, receivables, and payables in one place
  • Track Profit & Loss, Balance Sheet, cash flow, and business ledgers
  • Create and submit LHDN-compliant e-invoices through the same system
  • Reconcile bank transactions without maintaining separate spreadsheets
SST and Multi-Currency Without Separate Add-Ons

For Malaysian businesses dealing with SST or customers outside Malaysia, these aren't edge-case features. They're part of everyday invoicing.

Refrens includes SST and multi-currency invoicing from Accounts Lite at RM25/month. Bukku's Seed and Grow plans list SST tracking and multi-currency as separate RM12/month add-ons, with service tax applied on top.

  • Create SST-compliant invoices without purchasing a separate SST module
  • Invoice customers in MYR, USD, SGD, EUR, and other supported currencies
  • Keep foreign-currency transactions connected to your accounting
  • Avoid stacking multiple paid modules as your requirements grow
Refrens Sales CRM Assign Leads
From Lead to Invoice Without Switching Software

Accounting doesn't begin only after an invoice is created. Refrens connects the sales activity that happens before invoicing with the financial workflow that follows it.

Capture enquiries, track opportunities through sales pipelines, create quotations, and move customers into invoicing without maintaining a separate CRM. Bukku focuses on accounting, invoicing, banking, and inventory and does not offer a built-in lead capture or sales pipeline layer in its current feature set.

  • Capture leads through forms and manage them inside sales pipelines
  • Keep customer information connected from enquiry to quotation and invoice
  • Manage sales and accounting from the same business system
  • Avoid maintaining a separate CRM alongside your accounting software
Keep Stock, Purchases, Sales, and Accounting Connected

For businesses selling physical products, Refrens connects inventory operations with the transactions already flowing through your accounts.

Track stock across locations, manage purchases and sales, and keep inventory movements linked with your wider accounting workflow. Refrens Operations plan combines accounting, workflows, and multi-location inventory management in one system.

  • Track inventory across multiple locations
  • Manage sales orders, purchase orders, invoices, and stock together
  • Track items using batches and serial numbers
  • Keep inventory transactions connected with accounting and financial reporting
Accounting Software - Bank Reconciliation
Less Manual Accounting Work, More Connected Records

Refrens includes unlimited cloud storage across its plans, so invoices, purchases, expenses, and supporting documents can remain connected to the relevant business transaction. Bukku's storage allowance varies by plan, from 100MB on Launch to 40GB on Elite, with additional storage available separately.

Refrens also adds AI-assisted workflows to reduce repetitive accounting work, helping businesses move from documents and transactions to usable financial information faster.

  • Keep business documents securely attached to their transactions
  • Unlimited cloud storage across Refrens plans
  • Reduce repetitive data entry with AI-assisted document processing
  • Keep financial information available in one connected accounting system
Decision guide

When to choose Refrens vs Bukku

Choose Refrens if you:

  • ✓ want SST and multi-currency invoicing included without purchasing separate add-ons
  • ✓ want invoicing, purchases, expenses, bank reconciliation, ledgers, and financial reports in one connected accounting system
  • ✓ want LHDN MyInvois e-invoicing connected directly with your everyday accounting workflow
  • ✓ want unlimited cloud storage for invoices, bills, expenses, and supporting documents
  • ✓ prefer one predictable plan price instead of adding separate modules as your accounting needs grow

Choose Bukku if you:

  • ✓ need unlimited user seats across your accounting plan
  • ✓ mainly need core accounting, invoicing, purchases, and banking features
  • ✓ prefer a modular setup where features such as SST and multi-currency can be added separately when required
  • ✓ are already using Bukku and your current accounting and invoicing requirements are adequately covered
Flexible for every business

One Platform for Every Business

Different businesses manage money in different ways. Refrens adapts to your workflow, from billing and expenses to payments and accounting.

Professionals & Consultants

Manage quotations, invoices, expenses, payments, and reports in one place.

Quotation → Invoice → Payment → Accounting
Accounting for Consultants

Agencies & Service Businesses

Manage project billing, retainers, expenses, collections, and profitability.

Proposal → Billing → Expenses → Profit
Accounting for Agencies

Contractors & Project Businesses

Track estimates, purchases, project expenses, progress billing, and payments.

Estimate → Cost → Billing → Profit
Accounting for Contractors

Traders & Suppliers

Connect purchases, inventory, sales, payments, and accounting in one workflow.

Purchase → Inventory → Sale → Accounting
Accounting for Traders

Growing Teams

Add roles, approvals, vendor workflows, and financial controls as your team grows.

Transaction → Review → Approval → Accounting
Accounting for Growing Teams
See full Accounting Software FeaturesExplore Accounting Features

Simple Plans That Fit Every Business and Every Budget

Affordable and scalable pricing plans designed for Malaysian Small Business to simplify accounting, bookkeeping, and e-Invoicing.
Refrens Free Plan
Signup for FreeStart using Refrens for free and manage your business accounting with essential tools. Create invoices, track expenses, and organize financial records without any upfront cost.
Refrens Premium
Explore Premium FeaturesUpgrade to the Premium plan to unlock advanced accounting features, automation, and enhanced capabilities to manage your finances faster and scale your business efficiently.

Frequently Asked Questions (FAQ)

For businesses that need SST and multi-currency invoicing, yes. Refrens Accounts Lite plan is RM25/month with both included. Bukku's Seed plan is RM35/month, and SST and multi-currency are separate RM12/month add-ons each, plus 8% service tax on the total.

Yes. Bukku's compare-plans page lists Malaysia SST tracking as an "Add on" for those two tiers, priced at RM12/month plus 8% service tax. It's bundled by default only on the Prime and Elite plans.

Both support inventory. Bukku includes single-location stock tracking from its Seed plan, with multi-location management on Elite. Refrens bundles full inventory management, including multi-location tracking, batch and serial tracking, and barcode scanning, into its Operations plan alongside complete accounting and workflow features.




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