Pleo vs Zoho Books Comparison
Compare Pleo vs Zoho Books features, pricing, and more.
Last updated: November 2026
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Zoho Books
7/10
Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.8/10 | 7/10 |
| Analytics | 6/10 | 7/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 6/10 | 8/10 |
| Customization | 6/10 | 8/10 |
| Ease of Use | 9/10 | 7/10 |
| Integration | 7/10 | 7/10 |
| Scalability | 6/10 | 6/10 |
| Security | 7/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | £8/user/mo Start | $20/mo Standard |
| Estimated cost for 10 users | £80/mo Start | $70/mo Premium |
| Features | ||
| General Ledger | ||
| Accounts Payable | ||
| Budgeting and Forecasting | ||
| Expense Management | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Pleo vs Zoho Books cost by team size
| Team size | Pleo | Zoho Books |
|---|---|---|
| 1 user | £8/moStart | FreeFree |
| 5 users | £40/moStart | $50/moProfessional |
| 10 users | £80/moStart | $70/moPremium |
| 25 users | £200/moStart | FreeFree |
| 50 users | £400/moStart | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Pleo
- Higher Ease of Use score (9/10 vs 7/10)
Why choose Zoho Books
- Has a free plan (Pleo does not)
- Higher Cost score (8/10 vs 6/10)
- Higher Customization score (8/10 vs 6/10)
- Includes General Ledger, which Pleo lacks
Pros & Cons
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Zoho Books
Pros
- The free plan includes online payments, bank reconciliation, recurring invoices and 1099 tracking for one user plus an accountant.
- Pricing is per organization, not per user, so small teams avoid per-seat costs.
- It connects natively with Zoho CRM, Zoho Payroll, Zoho Inventory and Zoho Analytics.
- Professional and higher plans include custom workflows, custom roles and approvals, and Premium adds custom modules and functions.
- On the Elite plan, inventory features cover warehouses, serial and batch tracking, and marketplace sync.
Cons
- Budgets, multi-currency and advanced inventory are only available on higher-priced tiers.
- Reviewers on Capterra and in NerdWallet's write-up describe slow or unhelpful customer support.
- It has fewer third-party integrations than its main competitors, according to NerdWallet.
- A PeerSpot reviewer found it awkward to invoice the same customer in different currencies.
- Even the top plan has a hard cap of 15 users, plus annual transaction limits.
Not sold on either?
Frequently Asked Questions
Zoho Books scores higher on our Finance Software criteria: 7/10 against 6.8/10 for Pleo. The largest gap is in Cost: 6/10 for Pleo and 8/10 for Zoho Books.
Zoho Books has a free plan; Pleo does not list one.
Zoho Books has General Ledger, which Pleo lacks.
