Airwallex vs Zoho Expense Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| Airwallex | Zoho Expense | |
|---|---|---|
| Starts at | $12/mo | $4/mo |
| Number of plans | 3 | 3 |
| Free plan | ||
| Free trial | — | |
| Pricing model | hybrid | per-seat |
Explore
- Open multiple accounts per entity
- Collect and hold in 20+ currencies
- Free batch transfers to 120+ countries
- Access to interbank FX rates
- Earn 3.22% on USD with Yield*
- Unlimited multi-currency corporate cards with zero international fees²
- Up to 2% cash rebates on local USD spend⁴
- Advanced card controls to limit spend and freeze/cancel cards
- Expense management, reimbursement, and spend requests
- Domestic and international bill pay with AI coding
- Batched Bill Payments
- Accounting hub for accountants (Coming soon)
- AI receipt matching with email forwarding and bulk uploading
- Online card and local payment method acceptance globally
- Like-for-like settlement in 20+ currencies
- Optimize 360 for AI payment optimization and fraud prevention
- Custom payment integration paths
- Create and send invoices globally
- Manage simple and hybrid multi-frequency subscription pricing models
- Bill customers based on actual usage
- Sync bank feeds, expenses, and bills with Xero and QuickBooks
Grow
- Earn 3.37% on USD with Yield*
- Late submission policies and automatic card freezing rules
- Credit line for corporate cards (Coming soon)
- Customizable, multi-conditional approvals
- Advanced rules-based automation for expenses
- Track planned budgets vs. actuals (Coming soon)
- AI expense policy agent
- Rules-based automation for bills
- Approval workflows for vendors
- Remittance advice for bills
- Sync bank feeds, expenses, and bills with Netsuite and Dynamics 365 Business Central
- HRIS platform integrations
- Single sign-on (Coming soon)
Accelerate
- Earn 3.49% on USD with Yield*
- Purchase orders and requests
- 3-way matching for goods receipts and invoices powered by AI
- Custom direct Spend API integration with ERP
- Centralized management of finances across global entities³ (up to 3 entities)
- Dedicated account manager
- Onboarding support
Free
- Maximum users: 3
- Receipt capture with AI-powered OCR
- Expense reports
- Expense tracking via personal cards
- Mileage expenses via GPS
- Accounting integrations
- Global tax compliance
- Multi factor authentication
- Multi-currency expenses
- Customer /project tracking
- Basic audit trail
- 5 GB receipt storage
- Email Support
Standard
- Itemized receipt capture with AI-powered OCR
- Corporate card management
- Real-time card feeds
- Multiple expense policies
- Multi-level approval
- Split expenses
- Custom user roles
- Expense access delegation
- Cash advance management
- ACH Payments
- Direct bank reimbursements
- Attendee expense management
- Email & call support
- Single sign-on (SSO)
- ERP and HRMS integrations (Add-on)
Premium
Popular- Employee self-booking tool
- Inbuilt travel desk management tool
- GSA compliant automated per diem management
- Auto mileage capture with live tracking
- Live budget tracking
- Advanced approval management and policy customization
- Advanced customization
- Multi-entity/country expense management
Airwallex vs Zoho Expense FAQ
- Which one is cheaper?
- Zoho Expense is the cheaper option, starting at $4/mo vs $12/mo for Airwallex.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Different approach here. Airwallex uses hybrid pricing, while Zoho Expense goes with per-seat. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Airwallex: At $0 to $12/mo on paper, Airwallex looks like the budget-friendly option against pricier fintech platforms — but the undisclosed platform fee on Grow and the black-box Accelerate pricing suggest they're playing a different game: hook you with a low headline price, then monetize seriously once you're scaling. They're chasing growing SMBs and mid-market companies who'll outgrow the free tier fast but aren't sophisticated enough to negotiate hard on the platform fee. Zoho Expense: This is budget pricing, full stop — $6/mo tops out cheaper than what most competitors charge for their entry-level paid tier. Zoho's playing the value game here, likely banking on existing Zoho ecosystem customers who want expense management bundled in without paying SAP Concur or Expensify-level prices.
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