Mobilexpense vs Zoho Expense (2026): which should you pick?
As of Nov 13, 2026, we pick Zoho Expense: it is third in our ranking of spend and bill pay tools, and it grades higher too, 3.0 against 1.6.
Checked Oct 18, 2026 and Nov 13, 2026 · graded Oct 18, 2026 and Nov 13, 2026 by ToolGPA
Zoho Expense grades higher on value for money, the free plan and ease of use. They get the same grade on features and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Mobilexpense
Expense reports, mileage and corporate cards for European companies
Zoho Expense
Expense reports, receipt scanning and travel booking from Zoho
Which one is for you
Pick Mobilexpense if
- Fits if you have 20 or more people to reimburse across Europe
- Works for finance teams that need VAT and local compliance on expenses
Look elsewhere if
- Skip it if your team is under 20, because both products have a 20-user minimum
- Pricey if you add features: per diems, variable mileage, CO2 tracking and ERP links are add-ons
- Watch out: corporate credit cards cost from €4 per user a month on top of the licence
- Watch out: the page does not say whether €8 is billed monthly or yearly, and names no app platforms
Pick Zoho Expense if
- Fits if you're a team of 3 or fewer and want expense reports free
- Works for teams already on Zoho Books or other Zoho apps
Look elsewhere if
- Skip it if you want supplier bills paid from the same tool
- Tight if anyone scans more than 20 receipts a month on the free plan
- Pricey if you book travel through it without Premium, at $9.99 a trip as an add-on
- Watch out: anyone who creates an expense or report is billed as a user
- Pricey if you want premium support, which starts at $490 a year, or ERP and HR links on Standard
How we grade them
| 1.6GPAMobilexpenseWeak | 3.0GPAZoho ExpenseVery good | |
|---|---|---|
| Value for money | DDeclaree is €8 per user a month, but the minimum is 20 users, so a team of 20 costs about €160 a month, far above the $12 middle price for expense tools. Add-ons and cards cost more. | BGraded against its expense-tool alternatives. Ten people on Standard cost $30 a month at $3 each, billed yearly. That's less than Expensify, Navan, Rydoo or Pleo charge for ten, though Ramp does expenses for nothing. |
| Free plan and trial | FNothing free and no trial on the listing. | BThe free plan runs the whole loop for up to 3 users: 20 AI receipt scans each a month, reports, GPS mileage, the prepaid card and accounting links. One person could live on it. Paid plans have a 14-day trial with no card. |
| Features | CReceipt capture with OCR, approvals, mileage, per diems, corporate cards and VAT. Multi-level projects, variable mileage, per diems, CO2 tracking and ERP links are add-ons. | CExpense reports are done fully, with AI scans in 38+ languages, policies, mileage, card feeds and ACH reimbursements. It's a smaller job than the category's, though: no supplier bill pay is listed, and travel booking needs Premium. |
| Ease of use | CNo store rating on record. Apps are listed without platforms named, and policies and integrations need setting up. | A4.84 from 8,238 App Store ratings, the top band. Snap the receipt and it reads the lines for you, and mileage tracks itself by GPS. |
| Platforms and integrations | BWeb, with integrations such as QuickBooks, SAP, Microsoft Dynamics, ADP and HiBob. | BWeb, iPhone and Android, with Zoho Books, QuickBooks Online, Xero, NetSuite, Zoho People, Zoho CRM, Uber and Slack. No desktop app is listed, and ERP and HR integrations are an add-on on Standard. |
| Best for | employee expense reports for European teams | expense reports for small teams from $3 a user |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Mobilexpense and Zoho Expense. How we grade
Price against what you get
Mobilexpense starts at about $8.94 a month for each person and scores 2.3 out of 4 on features, ease of use and platforms. Zoho Expense starts at $3 a month for each person and scores 3.0.
Zoho Expense scores higher and starts $5.94 a month lower. Of the other spend and bill pay tools on the chart, 6 score higher than Mobilexpense for less, and none scores higher than Zoho Expense for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Mobilexpense also covers workflow automation.
At a glance
| Mobilexpense | Zoho Expense | |
|---|---|---|
| Pricing | Paid | Free plan |
| Starts at | €8 per user / month, minimum 20 users (Declaree) | $3 per user / month, billed annually ($4 billed monthly) |
| Free plan | None | Free: up to 3 users, 20 AI receipt scans per user a month, expense reports, GPS mileage, multi-currency expenses, accounting integrations and 5 GB of receipt storage. |
| Free trial | None listed | 14-day free trial, no credit card required |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Mobilexpense | Zoho Corporation |
| Price read from | mobilexpense.com | zoho.com |
| Checked | Nov 13, 2026 | Oct 18, 2026 |
Worth knowing
Mobilexpense
- Both products have a minimum of 20 users, and the page says some features are priced separately.
- Multi-level projects, variable mileage, per diems, CO2 tracking and ERP and HR integrations are add-ons.
- The page does not say whether the €8 is billed monthly or yearly, and it lists mobile and desktop apps without naming the platforms.
- Credit cards cost from €4 per user per month on top of the licence.
Zoho Expense
- Anyone who creates an expense or report is billed as a user. The free plan stops at 3 users and 20 receipt scans per user a month.
- ERP and HR integrations are an add-on on Standard, travel self-booking as an add-on costs $9.99 a trip, and premium support starts at $490 a year.
- The Zoho Prepaid Mastercard is issued by Pathward, N.A. and is loaded from a funding account rather than a credit line.
- Travel booking, per diems, live budgets and multi-entity expenses need Premium.
Key features
Mobilexpense
- Receipt capture with OCR
- Expenses are submitted through the app or the web with an OCR receipt scanner, in multiple currencies, with categories that carry codes and rules.
- Approval workflows and policies
- Workflows come from templates or are built custom, with user groups, business rules for company policy and an assistant or deputy function on MXP.
- Mileage and per diems
- Standard mileage rates are included, while variable mileage rates and per diem or daily allowance rules are listed as add-ons.
- Corporate credit cards
- Mobilexpense credit cards start at €4 per user per month, and existing bank cards can be connected for automatic transaction import.
- VAT and local compliance
- Country-specific VAT rules apply automatically, and MXP lists compliance for GoBD, Spanish homologation and URSSAF alongside coverage in 100+ countries.
- ERP and HR links
- ERP connections include QuickBooks Online, Exact Globe, SAP and Microsoft Dynamics; HR links include BambooHR, ADP and HiBob.
Zoho Expense
- AI receipt scanning
- Receipts are read in more than 38 languages and turned into itemized expenses, up to a monthly scan limit that rises with the plan.
- Policies and approvals
- Expense reports go through approval rules, and Zia AI flags possible fraud and alcohol on receipts from the Standard plan.
- Mileage and per diem
- Track drives by GPS on a phone or Apple Watch, and apply GSA per diem rates automatically on Premium.
- Cards and reimbursements
- Real-time Visa and Mastercard feeds, the Zoho Prepaid Mastercard, cash advances and direct ACH reimbursements to employees.
- Travel booking
- Premium adds employee self-booking of flights and hotels, guest booking and an in-house travel desk tool.
- Zoho and accounting links
- Exports to Zoho Books, QuickBooks Online, Xero and NetSuite, and works with Zoho People, Zoho CRM and Zoho Projects.
Plans
Mobilexpense
Mobilexpense Declaree€8
per user / month, minimum 20 users
Expenses in Europe: OCR receipts, rules and workflows, VAT handling, mileage and 7 languages. Some features priced separately.
Mobilexpense MXPCustom
Global expenses with compliance in 100+ countries, multi-entity management, SSO and multi-currency. Minimum 20 users.
Zoho Expense
Free$0
Up to 3 users, 20 receipt scans per user a month, expense reports, GPS mileage, the Zoho Prepaid Mastercard and accounting integrations.
Standard$3
per user / month, billed annually ($4 billed monthly)
200 scans per user a month, card feeds, multiple policies, cash advances, ACH reimbursements, SSO and Zia AI reporting and audit.
Premium$5
per user / month, billed annually ($6 billed monthly)
1,000 scans per user a month, travel self-booking, a travel desk, GSA per diems, live budgets and multi-entity expenses.
EnterpriseCustom
A spend platform combining travel, expenses, cards, procurement, accounts payable and payroll, quoted for large organizations.
Ways to pay less
Mobilexpense
No public discounts listed.
Zoho Expense
- Annual discount
Save up to 25% with yearly billing
Standard costs $3 per user a month billed yearly instead of $4 monthly, and Premium $5 instead of $6.
- Nonprofit
Discounted pricing for nonprofits
Zoho says Zoho Expense is available at discounted pricing for nonprofit organizations; the discount is not stated.
Common questions
Which is cheaper, Mobilexpense or Zoho Expense?
As of Nov 13, 2026, Zoho Expense is cheaper to start with: $3 a month for each person, against about $8.94 a month for each person for Mobilexpense. Mobilexpense starts at €8 per user / month, minimum 20 users (Declaree), and Zoho Expense starts at $3 per user / month, billed annually ($4 billed monthly).
Which has a free plan, Mobilexpense or Zoho Expense?
As of Nov 13, 2026, only Zoho Expense has a free plan. Mobilexpense does not.
Which platforms do Mobilexpense and Zoho Expense run on?
As of Nov 13, 2026, only Zoho Expense lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.