# Moneybird vs Zoho Books

**Leader by Vioscale score:** Zoho Books

| Attribute | Moneybird | Zoho Books |
|---|---|---|
| **Vioscale score** | 64.1 (63% (medium)) | 69.9 (73% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Cloud-based accounting software designed for freelancers and SMEs, featuring invoice automation, bookkeeping, VAT management, time tracking, and integration with 1,700+ European banks and payment processors. | Web-based accounting software that helps small businesses manage invoicing, reconcile bank transactions, track inventory, and bill for project work. Built with tax compliance features for UK businesses. |
| features.capabilities | `{"inventory":false,"api_access":"full","bank_feeds":"direct","deployment":"cloud","ar_invoicing":true,"fixed_assets":true,"multi_entity":"none","ap_automation":false,"multi_currency":false,"tax_compliance":"VAT returns, VAT overview, ICP declaration, Electronic VAT return filing","double_entry_gl":true,"payments_capture":true,"accountant_collab":true,"project_accounting":true}` | `{"inventory":true,"api_access":"full","bank_feeds":"manual_import","deployment":"cloud","ar_invoicing":true,"multi_entity":"multi_entity","multi_currency":true,"tax_compliance":"UK MTD (Making Tax Digital)","double_entry_gl":true,"payments_capture":true,"accountant_collab":true,"project_accounting":true}` |
| integrations.count | 6 | 16 |
| integrations.list | `[{"name":"Mollie"},{"name":"Stripe"},{"name":"PayPal"},{"name":"MultiSafepay"},{"name":"CCV Pay"},{"name":"TransactieSysteem"}]` | `[{"name":"Google APIs"},{"name":"YouTube APIs"},{"name":"Zoho Mail"},{"name":"Zoho Cliq"},{"name":"Zoho Projects"},{"name":"Zoho Inventory"},{"name":"Zoho Invoice"},{"name":"Zoho People"},{"name":"Zoho Checkout"},{"name":"Zoho Analytics"},{"name":"Zoho Sprints"},{"name":"Zoho Desk"},{"name":"Zoho WorkDrive"},{"name":"Zoho Meeting"},{"name":"Zoho Subscriptions"},{"name":"Zoho Expense"}]` |
| market.availability | `{"hqCountry":"NL","primaryMarkets":["NL"],"availabilityScope":"regional","availableCountries":["NL"],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Compact","summary":"€3/month","features":["Smart Document Processing","Process bank transactions","Sales invoices","Purchase invoices and receipts","Time tracking","Reports and dashboard","VAT overview"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":3,"period":"month","currency":"EUR"}],"description":"To start off gently, at your own pace","contactSales":false,"includedLimits":{"users":"1","bank_connections":"0","time_tracking_hours":"20","processed_transactions":"5","smart_document_processing":"3"}},{"free":false,"name":"Start","summary":"€15/month, save €36/year with annual billing","features":["Smart Document Processing","Scan receipts with app","Electronic VAT return","API access","Accountant access","Custom branding","Automatic reminders","Online payment methods","SEPA direct debit","Send via Peppol","Scan and recognize","Pay from Moneybird","Process UBL invoices","Receive via Peppol","Reports and dashboard","Ledger accounts","VAT overview","ICP declaration","Online sales","Time tracking","Assets and depreciation"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":15,"period":"month","currency":"EUR"}],"description":"Ideal for freelancers and startups","contactSales":false,"includedLimits":{"users":"1","bank_connections":"5","processed_transactions":"20"}},{"free":false,"name":"Growth","summary":"€29/month, save €72/year with annual billing","features":["Everything from Start","80% bookkeeping automation","Recurring invoices"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":29,"period":"month","currency":"EUR"}],"description":"For entrepreneurs who are growing","contactSales":false,"includedLimits":{"users":"5","bank_connections":"5","processed_transactions":"50"}},{"free":false,"name":"Complete","summary":"€41/month, save €96/year with annual billing","features":["Everything from Growth","Unlimited bookkeeping","Unlimited linked bank accounts","Unlimited processed transactions","Unlimited users"],"commitment":"monthly","components":[{"kind":"fixed","amount":41,"period":"month","currency":"EUR"}],"description":"The package for unlimited bookkeeping","contactSales":false,"includedLimits":{"users":"None","bank_connections":"None","processed_transactions":"None"}}],"addOns":[{"name":"Payment Processing Fees","components":[{"per":{"qty":1,"unit":"transaction"},"kind":"metered","amount":0.29,"currency":"EUR"}]}],"summary":"From €3/month. 60-day free trial with Complete plan access. Up to 25% discount with annual billing.","currency":"EUR","freeTier":false,"sourceUrl":"https://www.moneybird.com/pricing/","retrievedAt":"2026-08-13T16:57:36.384Z","freeTrialDays":60,"startingPrice":{"amount":3,"period":"month","currency":"EUR"},"billingPeriods":["month","year"]}` | `{"type":"subscription","summary":"Free tier for sole traders and landlords; paid subscription plans available","currency":"GBP","freeTier":true,"sourceUrl":"https://www.zoho.com/books","retrievedAt":"2026-08-14T15:23:56.826Z","billingPeriods":["month","year"]}` |
| pricing.free_tier | no | yes |
| pricing.model | commercial | freemium |
| pricing.price_level | low | low |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.soc2 | - | yes |

## Capabilities (Accounting Software)

| Capability | Moneybird | Zoho Books |
|---|:--:|:--:|
| **Core** |  |  |
| Double-entry GL | ✓ | ✓ |
| Multi-entity | None | Multi-entity |
| Multi-currency | ✗ | ✓ |
| Bank feeds | Direct feeds | Manual import |
| **Modules** |  |  |
| AP automation | ✗ | - |
| AR / invoicing | ✓ | ✓ |
| Inventory | ✗ | ✓ |
| Fixed assets | ✓ | - |
| Project accounting | ✓ | ✓ |
| **Compliance** |  |  |
| Tax compliance | VAT returns, VAT overview, ICP declaration, Electronic VAT return filing | UK MTD (Making Tax Digital) |
| **Workflow** |  |  |
| Accountant collaboration | ✓ | ✓ |
| **Payments** |  |  |
| Payments capture | ✓ | ✓ |
| **Ecosystem** |  |  |
| API access | Full | Full |
| **Deployment** |  |  |
| Deployment | Cloud | Cloud |

*Source: Vioscale. Generated 2026-09-01T17:41:42.899Z. "-" = undocumented, not absent.*