Zoho Expense Overview for UK Businesses

If you’re looking for a way of managing expenses for your business, one popular option here in the UK is Zoho Expense.

But what can it do, and how much does it cost? Keep reading for more insight into how this product works, its key features, and the potential to integrate it with your other business applications.

Plus, a look at an alternative - Wise Business, which offers multi-currency company cards and tools to save you time and make global expense management effortless.

💡 Learn more about Wise Business

What is Zoho Expense?

Zoho Expense is online travel and expense management software which can automate the process of tracking, reporting and auditing spending for your business.

It aims to make tracking business expenses easier, to improve compliance, simplify approvals and facilitate the faster payment of reimbursements.

In more detail, Zoho Expense:

• Scans receipts and automatically converts them to expenses
• Reconciles corporate cards with expenses
• Ensures compliance with company policies
• Simplifies business travel
• Audits expense actions for potential fraud or misuse
• Allows you to create layered approval flows
• Makes it possible for you to delegate approval access.

As for what current and previous customers think of it, Zoho as a whole has a ‘Great’ Trustpilot score of 3.9 out of 5, based on over 6,100 reviews.¹

The specific expenses product, Zoho Expense, gets a Capterra score of 4.6 out of 5, from over 1,225 reviews.²

Strengths and limitations of Zoho Expense

Here’s a quick look at some of the main benefits and potential drawbacks of using Zoho Expense, so you can work out if it’s the right choice for your business.

Overall, Zoho Expense can help to simplify employee expense management.

The same applies to Wise cards and employee expenses tools. The card makes travel expenses and other international spending easier and more cost-effective, while also allowing you to manage employee expenses simply and cleanly, even when multiple currencies are involved.

Zoho Expense features

Zoho Expenses offers a pretty long list of features, including:⁵

• AI-powered receipt scanning and uploads (limits apply)
• Bulk upload receipts
• Multi-currency expenses
• Mileage tracking via GPS
• Billable expenses
• Automated expense reminders
• VAT tracking
• Corporate card management
• Auto matching, categorisation and reconciliation for card payments
• Card spend dashboard for admins
• Expense reports
• Travel expenses tools and management (Premium plan only)
• Approval delegation
• Overdue reminders, custom approval workflows and project-based approvals
• Budget management tools (Premium plan only)
• Custom expenses rules and policies
• Reimbursement management
• Multi-entity and multi-company support for international expenses (Premium plan only)
• Audit and compliance features
• Automated workflow rules
• Custom user roles
• Scheduled backups and custom report export
• Collaboration tools
• Integrations with accounting, ERP and some travel software
• Mobile app, including employee self-service tools.

It’s worth noting though that not every feature is available with every plan - check Zoho’s pricing and plans page for more information.

Zoho Expense App

One prominent feature that makes this solution a popular choice for businesses is the Zoho Expense app. The app is available for both iOS and Android devices.

This means your employees can easily manage their expenses using their smartphones, and you can also keep track of things while on the move.

How much does Zoho Expense cost?

Zoho Expense pricing is pretty straightforward. It has three different plans, each tailored to suit various business needs, as you can see from the table below:⁵

Zoho Expense integrations

If you’re seeking simplicity and convenience when managing your business expenses, Zoho Expense integrations are a significant plus point. The solution integrates with other Zoho products as well as numerous popular business tools, including:

• Google Drive
• Slack
• Amazon Business
• Microsoft Office 365
• G Suite
• OneDrive
• Evernote Teams
• Quickbooks Online
• Xero
• Sage
• Dropbox Business
• Travel apps - such as Lyft, Uber for Business and Bolt Business.

It’s important to note though that not all of the above are available with all plans. You’ll only have a limited number of integration options on the Free plan.

Wise Business expense cards: international expenses made easy

If your business operates internationally and your employees are regularly spending time abroad for work, Wise Business expense cards could be the ideal solution.

Wise offer contactless international debit cards work for spending and cash withdrawals in 150+ countries worldwide, with no foreign transaction fees or subscription fees. Whenever a member of your team spends or withdraws cash overseas, the currency is converted at the mid-market exchange rate, with just a small conversion fee to pay.

There’s also 0.5% cashback paid on all eligible spending, so outside of international benefits, you can make the most of your everyday spending in the UK too.

Once you have a Wise Business account, you can order additional expense cards for just a one-off fee of £3 per card. You can add employees to your account, with controlled access - and you get full control over spending their limits. What’s more, it’s easy to integrate Wise with your accounting tools, and your accountant can view team spending for smarter collaboration.

Get started with Wise Business

With Wise Business, you can:

• 🌍 Send money to 70+ countries and pay overseas invoices at the mid-market exchange rate with low, transparent fees and no hidden exchange rate markups (product availability varies by region)
• 📥 Receive payments in 24 currencies and counting
• 💵 Get local account details for 8+ currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
• 💰 Hold money in 40+ currencies
• 🔁 Convert currencies anytime at the mid-market exchange rate with low, transparent fees
• ⚡ Use the batch payments tool to create and send up to 1,000 payments in a single transfer
• 👥 Run payroll and make international payments for up to 1,000 employees all over the world - including paying suppliers using local payment methods like ACH, SEPA, and Faster Payments
• 💳 Get business debit cards with 0.5% cashback for you and your team to keep track of team expenses and spend all over the world, with real-time visibility and categorisation. See full cashback terms and conditions
• 🏢 Manage cash in 55+ currencies across international offices from a single business account and move money between business accounts in seconds (exact speeds can vary depending on individual circumstances and may not be the same for all transactions)
• 🧾 Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
• 🔐 Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
• 📑 Create custom professional invoices and schedule invoice payments for future dates
• 📈 Earn variable returns on GBP, USD and EUR with Wise Interest (Capital at risk, growth not guaranteed. Your money is at risk if governments default or interest rates go negative. Rates vary by country and currency. Rates are variable. Visit Wise Interest to find out more)
• 🔗 Create payment links and QR codes to get paid easily (Card payment acceptance for new Wise Business customers is currently unavailable. Payment methods subject to eligibility and availability.)
• ⚙️ Automate payouts with the Wise API (comes with 24/7 customer support, a sandbox account to test integrations, API tokens, and clear documents on how to implement and make the most of our API)

Make the wise choice when selecting a business account for your domestic and global needs.

Be Smart, Get Wise.

Register for Wise Business ✍️

Using Zoho Expenses can make it easier to manage business expenses in your organisation. You can choose the plan that’s the right fit for your business based on the features you need.

Just make sure to compare all available options before taking the plunge - including alternatives such as Wise Business.

Sources:

Sources last checked: 01-Sep-2026