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 pricing | Zoho Expense pricing | |
|---|---|---|
| Starts at | $12/mo | $4/mo |
| Number of plans | 3 | 3 |
| Free plan | ||
| Free trial | — | |
| Pricing model | per-seat | per-seat |
Price is one row. To weigh the features too, use our feature comparison template →
Explore
- Open multiple accounts per entity
- Collect and hold in 20+ currencies
- Free batch transfers to 120+ countries
- Access to interbank FX rates
- Earn 3.42% 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 3.57% 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 3.69% 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
- Add multiple legal entities to your organization with Global Entity Management³
- Dedicated account manager
- Onboarding support
Free
- Maximum users: 3
- Receipt capture with AI-powered OCR
- Zoho Prepaid Mastercard® (NEW)
- 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
- Zoho Expense MCP
Standard
- Itemised Receipt capture with AI-powered OCR in 38+ languages
- Corporate card management
- Real-time card feeds for Visa & Mastercard
- Multiple expense policies
- Attendee expense management (NEW)
- Custom user roles
- Expense access delegation
- Cash advance management
- ACH Payments
- Direct bank reimbursements
- Integration with WhatsApp, Slack (NEW)
- Email & call support
- Single sign-on (SSO)
- ERP and HRMS integrations (Add-on)
- Expense Intelligence with Zia AI (NEW)
- Agentic AI expense reporting and Approval
- Ask Zia AI bot
- AI insights dashboard
- AI powered expense Audit- Fraud and Alcohol detection
Premium
Popular- Employee Self-booking with OBT (NEW)
- Access to global inventory (Hotels, flights)
- Guest Booking (NEW)
- 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
- Duty of care
- Visa management automation
- Carbon emission tracking
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?
- Both use a per-seat model, so the comparison is straightforward — it comes down to features and limits at each price point.
- Which one is a better deal?
- Depends on what you need. Airwallex: Airwallex plays the low-entry-cost game to hook businesses with a free tier, then makes its money on FX spreads and transaction fees rather than subscription revenue — closer to Wise or Revolut Business than to flat-fee platforms like Brex. It's not the cheapest at scale, but it's designed to look cheap upfront. Zoho Expense: At $4-6/seat, Zoho Expense undercuts most of the expense management category — Expensify, Rydoo, and SAP Concur all run notably higher per-user. They're clearly going after cost-sensitive SMBs and Zoho-ecosystem users rather than trying to win enterprise deals on features alone.
Still deciding? See the best Airwallex alternatives or the best Zoho Expense alternatives, ranked with verified pricing.
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