Brex 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.
| Brex | Zoho Expense | |
|---|---|---|
| Starts at | $12/mo | $4/mo |
| Number of plans | 3 | 3 |
| Free plan | ||
| Free trial | — | |
| Pricing model | per-seat | per-seat |
Essentials
- Global card acceptance and 1 local card program
- AI-powered custom rules
- Up to two entities (1 global entity)
- Accounting integrations
- Local currency wires
- Travel booking (free on Essentials)
- Real-time reporting
- Brex API access
- Bill pay
- Reimbursements
Premium
- Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
- Dynamic expense review chains
- AI-powered compliance audit detection and insights
- Advanced approvals with dynamic Spend Limit approval chains
- Multi-entity (US & International)
- Customizable ERP integrations and HRIS integrations
- VAT documentation
- Group travel and advanced travel rules
- Live budgets
Enterprise
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
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
Brex vs Zoho Expense FAQ
- Which one is cheaper?
- Zoho Expense is the cheaper option, starting at $4/mo vs $12/mo for Brex.
- 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. Brex: Brex undercuts on sticker price compared to Ramp and Airbase, especially with a genuinely free tier, but the $12/seat Premium plan signals they're not trying to win on being the budget option forever. This is a land-grab strategy — get startups in free, then monetize as they scale and become harder to rip out. 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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