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Accounting · head to head

Billin vs Zoho Expense

Billin logo

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From
€6.6/month
Rated
-
Full reviewWebsite
Zoho Expense logo

Zoho Expense

Accounting

Expense reporting and travel management at three dollars per user per month

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zoho Expense has a free tier, so it costs nothing to try first.
  • Each has a real cost: Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need; Zoho Expense aI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billin and Zoho Expense actually diverge.

Attributes where Billin and Zoho Expense differ
AttributeBillinZoho Expense
Starting price€6.6/monthFree
Pricing modelsubscriptionPer user per month
Free tierNoYes
PlatformsWebWeb, iOS, Android

Identical on both: user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Billin

Nothing recorded that Zoho Expense does not also cover.

Only in Zoho Expense

  • Receipt OCR
  • Corporate card reconciliation
  • Per diem and mileage
  • Approval workflows
  • Travel requests and booking
  • Policy engine
  • Multi currency and multi entity
  • Accounting integration

What people use each for

The jobs each tool is most often brought in to do.

Billin

  • Invoice managementnot Zoho Expense
  • Multi-user accounting for freelancers and small businessesnot Zoho Expense

Zoho Expense

  • A mid market company replacing spreadsheet expense claims without a five figure annual software budgetnot Billin
  • An existing Zoho One customer extending the suite so expense data lands in Zoho Books without integration worknot Billin
  • A business with staff travelling across several currencies that needs automatic exchange rate handling on claimsnot Billin
  • A services firm rebilling project expenses to clients and needing them coded to projects at the point of claimnot Billin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Billin

  • Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
  • Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

Zoho Expense

  • AI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
  • Zoho Expense does not issue cards, so policy enforcement is retrospective and out of policy spend is caught after the money has left rather than declined at the terminal.
  • Additional users who create expenses are billed at the monthly rate rather than the annual rate, which makes a large population of occasional claimants more expensive than the headline three dollars implies.
  • Support quality is the recurring complaint across Zoho products, and at three dollars a seat there is no commercial room for the account management that mid market finance teams expect at renewal or during an audit.
  • Deep configuration such as complex approval matrices and custom fields is workable but fiddly, and there is no meaningful professional services organisation to hand implementation to.

Pricing, plan by plan

Billin

€6.6/month
  • Plan Básico$80/year
    • 0-5 clients
    • 1 user
    • Max 10 products
  • Plan Básico$96/month
  • Plan Pro$168/year
    • 6-50 clients
    • 3 users
    • Max 50 products
  • Plan Pro$204/month

Zoho Expense

Free
  • FreeFree
    • Up to 3 users
    • Receipt capture with limited AI scans
    • Basic expense reports
  • Standard$3/month
    • Billed annually, minimum 3 users
    • Corporate card reconciliation
    • Approval workflows
  • Premium$5/month
    • Billed annually
    • Travel requests and self booking
    • Advanced approvals and policy rules

Which should you pick?

Choose Billin if

Nothing in the data separates Billin from Zoho Expense on the points above - pick on price and on how each one feels to use.

Billin review

Choose Zoho Expense if

  • You need receipt ocr.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want corporate card reconciliation.
Zoho Expense review

Questions people ask

Is Billin or Zoho Expense better?
Neither clearly leads. Billin starts at €6.6/month and Zoho Expense at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billin or Zoho Expense?
Zoho Expense has a free tier; the other does not. Paid plans start at €6.6/month for Billin and Free for Zoho Expense.
Does Billin or Zoho Expense run on more platforms?
Billin runs on Web. Zoho Expense runs on Web, iOS, Android.
Can I use Zoho Expense for free?
Yes. Zoho Expense has a free tier, so you can try it without paying. Billin starts at €6.6/month.
What is Billin best used for?
Billin is most often used for invoice management, multi-user accounting for freelancers and small businesses. Of those, invoice management and multi-user accounting for freelancers and small businesses are not what Zoho Expense is typically brought in for.
What can Billin do that Zoho Expense cannot?
Zoho Expense covers Receipt OCR, Corporate card reconciliation, Per diem and mileage, Approval workflows.

Answered from the vendors’ own pages

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

Source
Zoho Expense: Is the free plan usable in production?

Only for three users. Beyond that you move to Standard, which has a three user minimum anyway.

Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

Source
Zoho Expense: Does Zoho Expense issue corporate cards?

No. It reconciles card feeds but does not issue cards, so you need a card programme elsewhere if you want spend blocked before it happens.

Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

Source
Zoho Expense: What is the real cost for a hundred users?

Around three thousand six hundred dollars a year on Standard annual billing, plus higher monthly rates for any additional occasional claimants beyond your licensed count.

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