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Pleo vs Zoho Expense: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Pleo and Zoho Expense are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

Pleo HomepageZoho Expense Homepage
 

Pleo vs Zoho Expense Reviews

PleoZoho Expense
Trustpilot Review Rating 3.84.4
Number of Trustpilot Reviews5234462
iPhone App Rating3.14.7
Number of iPhone App Reviews74443
Android App Rating3.44.6
Number of Android App Reviews33612600
Note these figures we’re taken from each company’s website and may have changed since publication

Pleo vs Zoho Expense Key Details

PleoZoho Expense
WebsiteClick Here to Visit Pleo WebsiteClick Here to Visit Zoho Expense Website
Card TypeMastercardNo Card Provided
Offers Physical Cards?YesNo
Offers Virtual Cards?YesNo
Offers Prepaid Cards?YesNo
Cashback Plans?YesYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Pleo vs Zoho Expense Cost

Pleo PricingZoho Expense Pricing
PleoZoho Expense
Free Plan?NoYes
Free Trial?YesYes
Cheapest Plan Price Per Month£39.00£4.00
Mid Plan Price Per Month£45.00£6.00
Top Plan Price Per Month£89.00£10.00
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Pleo vs Zoho Expense Features

Pleo FeaturesZoho Expense Features

Pleo Features

Starter

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay

Essential

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay
  • 0.5 % cashback (for eligible customers)
  • Spending limits per user or purchase
  • Spend analytics dashboard
  • Review spend per team
  • Reimburse employees with or without Pleo cards
  • Reimburse cash expenses and mileage
  • Track subscriptions and other recurring payments
  • Live chat support

Advanced

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay
  • 1 % cashback (for eligible customers)
  • Spending limits per user or purchase
  • Spend analytics dashboard
  • Review spend per team
  • Reimburse employees with or without Pleo cards
  • Reimburse cash expenses and mileage
  • Track subscriptions and other recurring payments
  • Live chat support
  • Control recurring payments with Vendor cards
  • Open API access
  • Single sign-on with SAML
  • Chat, email and phone support
  • Assisted onboarding session
  • Dedicated Customer Success Manager

Pleo Accounting Software Integrations

  • Xero
  • QuickBooks
  • Sage

Zoho Expense Features

STANDARD

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance

PREMIUM

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance
  • Receipt Autoscan
  • Travel Requests
  • Purchase Request
  • Advanced Approval
  • Per Diem Automation
  • Advanced Customization

ENTERPRISE

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance
  • Receipt Autoscan
  • Travel Requests
  • Purchase Request
  • Advanced Approval
  • Per Diem Automation
  • Advanced Customization
  • TMC/OTA Integration
  • ERP Integration
  • Single Sign On (SAML)
  • Dedicated Account Manager
  • Advanced Audit Trail Report

Zoho Expense Accounting Software Integrations

  • Quickbooks
  • Xero
  • Sage

Pleo vs Zoho Expense Features Comparison

PleoZoho Expense
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsNoYes
Approval Process ControlYesYes
Budget ControlYesYes
Expense CategorisationYesYes
Compliance ManagementYesYes
Customizable Fields YesYes
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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