Pleo 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.
| Pleo | Zoho Expense | |
|---|---|---|
| Starts at | $9/mo | $4/mo |
| Number of plans | 4 | 3 |
| Free plan | — | |
| Free trial | ||
| Pricing model | flat-rate | per-seat |
Starter
- Physical and virtual cards
- Accounts payable
- Real-time expense tracking
- Automated expense reports
- Accounting system integrations
- Chat support
- 1 vendor card
- Credit limit up to GBP 5,000*
Essential
- Reimbursements
- Mileage
- AI-powered spend guidelines
- Flexible card limits
- Up to 25 vendor cards
- Approval workflows
- Recurring vendor tracking
- Credit limit up to GBP 20,000*
Advanced
- Cashback*
- Advanced card controls
- Up to 100 vendor cards
- Budgets
- HRIS integrations
- Advanced approval workflows
- Credit limit up to GBP 250,000*
Business
- Multi-entity management
- Premium integrations**
- AI-powered expense review
- Advanced vendor management
- Cash management
- Spending insights
- Assisted onboarding
- Credit limit up to GBP 500,000*
FREE
- Maximum users: 3
- 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
- 20 Receipt Autoscans
- Email Support
STANDARD
- 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
- 20 Autoscan per user
- Email & call support
- Single sign-on (SSO)
- ERP and HRMS integrations (Add-on)
PREMIUM
Popular- Online travel booking tool
- Inbuilt travel desk management tool
- GSA compliant automated per diem management
- Auto mileage capture with live tracking
- Live budget tracking
- Itemized receipt Autoscan
- Advanced approval management and policy customization
- Advanced customization
- Multi-entity/country expense management
Pleo vs Zoho Expense FAQ
- Which one is cheaper?
- Zoho Expense is the cheaper option, starting at $4/mo vs $9/mo for Pleo.
- Can I use either one for free?
- Zoho Expense has a free plan. Pleo doesn't — though they do offer a free trial.
- How do they charge?
- Different approach here. Pleo uses flat-rate 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. Pleo: Pleo sits in the mid-market of corporate spend management — not as cheap as basic expense tools, but undercutting enterprise players like Spendesk or Payhawk at the top end. They're clearly targeting European SMBs and scaling startups who've outgrown manual expense reports but aren't ready for a full procurement suite. Zoho Expense: Zoho is playing the aggressive value card here — $4–$6/seat undercuts most dedicated expense tools like Expensify or Concur by a meaningful margin. They're going after cost-conscious SMBs and teams already in the Zoho ecosystem who want to avoid paying a premium for a standalone tool.
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