Xero vs Zoho Books
type: Article
description: Xero excels in cloud-native design and multi-currency support with superior UX, while Zoho Books offers significantly lower pricing and deeper integration with Zoho's 55+ app ecosystem. Xero is better for growing businesses prioritizing user experience, while Zoho Books suits cost-conscious SMBs already using Zoho products.
language: en-US
date published: 2026-07-08T12:44:19.312Z
date created: 2026-07-08T12:44:19.312Z
date modified: 2026-07-08T12:44:19.745Z
content reference time: 2026-07-08T12:44:19.745Z
author: A Versus B
publisher: A Versus B
about: Xero
about: Zoho Books
abstract: Xero excels in cloud-native design and multi-currency support with superior UX, while Zoho Books offers significantly lower pricing and deeper integration with Zoho's 55+ app ecosystem. Xero is better for growing businesses prioritizing user experience, while Zoho Books suits cost-conscious SMBs already using Zoho products.
text: Starting Monthly Price. Multi-Currency Support. Bank Connections (US/UK). Mobile App User Rating (iOS). Third-Party Integrations (Native). Invoice Automation (OCR). Free Trial Length
conclusion text: Choose Xero if you need superior multi-currency handling, better mobile experience, and work with international clients or multiple currencies—the user experience and bank connectivity justify the premium pricing. Choose Zoho Books if you're budget-constrained, already use Zoho CRM/Suite, or need AI-powered invoice OCR without additional costs—it delivers solid core accounting at a lower price point.
additional property: AI Automation Growth (YoY)
  type: PropertyValue
  value: Xero: 61% growth | Zoho Books: N/A
additional property: Maximum User Capacity (Advanced Tier)
  type: PropertyValue
  value: Xero: Unlimited/Higher | Zoho Books: N/A
additional property: Expense Tracking Support Score
  type: PropertyValue
  value: Xero: 68.92% | Zoho Books: N/A
additional property: US Tax & Payroll Integration Strength
  type: PropertyValue
  value: Xero: Good but secondary focus | Zoho Books: N/A
additional property: Accountant Platform Included
  type: PropertyValue
  value: Xero: Separate paid tool | Zoho Books: N/A
additional property: Market Position for eCommerce
  type: PropertyValue
  value: Xero: Strong alternative | Zoho Books: N/A
additional property: Additional Team Member Cost
  type: PropertyValue
  value: Xero: $3-5 | Zoho Books: N/A
additional property: Mobile Accounting Features
  type: PropertyValue
  value: Xero: Comprehensive accounting-focused | Zoho Books: N/A
additional property: AI Document Processing
  type: PropertyValue
  value: Xero: LLM-powered (2026) | Zoho Books: N/A
additional property: Setup Complexity
  type: PropertyValue
  value: Xero: Moderate to high | Zoho Books: N/A
additional property: Data Migration Support
  type: PropertyValue
  value: Xero: Standard tools included | Zoho Books: N/A
additional property: Multi-Entity Support
  type: PropertyValue
  value: Xero: Native multi-entity support | Zoho Books: N/A
additional property: Invoice Branding Control
  type: PropertyValue
  value: Xero: Available (Select tier+) | Zoho Books: N/A
additional property: US Market Users
  type: PropertyValue
  value: Xero: 1.2M | Zoho Books: N/A
additional property: Native Payroll Integration (US)
  type: PropertyValue
  value: Xero: Third-party required | Zoho Books: N/A
additional property: Mobile App Rating (iOS)
  type: PropertyValue
  value: Xero: 4.6/5.0 | Zoho Books: N/A
additional property: API Rate Limits
  type: PropertyValue
  value: Xero: Unlimited | Zoho Books: N/A
additional property: Free Trial Period
  type: PropertyValue
  value: Xero: 30 days | Zoho Books: N/A
additional property: Base Monthly Subscription Price
  type: PropertyValue
  value: Xero: $11 | Zoho Books: N/A
additional property: Cost Per Additional User
  type: PropertyValue
  value: Xero: $8-15 (Standard plan) | Zoho Books: N/A
additional property: Number of Supported Currencies
  type: PropertyValue
  value: Xero: 130 | Zoho Books: N/A
additional property: Bank Feed Integration Partners
  type: PropertyValue
  value: Xero: 7,000+ | Zoho Books: N/A
additional property: Customer Satisfaction Score
  type: PropertyValue
  value: Xero: 4.7/5 (G2 2024) | Zoho Books: N/A
additional property: Maximum Concurrent Users
  type: PropertyValue
  value: Xero: 5 (Standard), Unlimited (Premium) | Zoho Books: N/A
additional property: Mobile App Invoice Creation
  type: PropertyValue
  value: Xero: Full capability with offline mode | Zoho Books: N/A
additional property: Monthly Cost (Starter Plan)
  type: PropertyValue
  value: Xero: $13/month | Zoho Books: N/A
additional property: Currency Support
  type: PropertyValue
  value: Xero: 140+ currencies | Zoho Books: N/A
additional property: Maximum Users (Free/Starter)
  type: PropertyValue
  value: Xero: 3 users | Zoho Books: N/A
additional property: Invoice Templates
  type: PropertyValue
  value: Xero: 12+ | Zoho Books: 35+
  value reference: Zoho Books
additional property: Inventory Management
  type: PropertyValue
  value: Xero: Built-in | Zoho Books: N/A
additional property: Starting Monthly Price
  type: PropertyValue
  value: Xero: $11 | Zoho Books: N/A
additional property: Maximum Users (Standard Tier)
  type: PropertyValue
  value: Xero: Unlimited (all tiers) | Zoho Books: N/A
additional property: API Rate Limit
  type: PropertyValue
  value: Xero: 60 (standard tier) | Zoho Books: N/A
additional property: Pre-Built Integrations
  type: PropertyValue
  value: Xero: 1,000+ | Zoho Books: N/A
additional property: Average Onboarding Time
  type: PropertyValue
  value: Xero: 1-2 weeks | Zoho Books: N/A
additional property: Maximum Entities Supported
  type: PropertyValue
  value: Xero: Unlimited organizations | Zoho Books: N/A
additional property: Mobile App Receipt Capture
  type: PropertyValue
  value: Xero: Yes (Snap Invoice) | Zoho Books: N/A
additional property: Countries Supported
  type: PropertyValue
  value: Xero: 180+ countries | Zoho Books: N/A
additional property: Standard Plan Concurrent Users
  type: PropertyValue
  value: Xero: 5 users | Zoho Books: N/A
additional property: Mobile App iOS Rating
  type: PropertyValue
  value: Xero: 4.7/5 (45K reviews) | Zoho Books: N/A
additional property: API Endpoints Available
  type: PropertyValue
  value: Xero: 180+ | Zoho Books: N/A
additional property: On-Premises Deployment Available
  type: PropertyValue
  value: Xero: No (Cloud only) | Zoho Books: N/A
additional property: Starting Price
  type: PropertyValue
  value: Xero: $11 | Zoho Books: $9
  value reference: Zoho Books
additional property: Free Plan Available
  type: PropertyValue
  value: Xero: No | Zoho Books: Yes (2 users)
additional property: User Interface Rating
  type: PropertyValue
  value: Xero: 4.7/5 | Zoho Books: 4.4/5
  value reference: Xero
additional property: Customer Support Response Time
  type: PropertyValue
  value: Xero: 24-48 hours | Zoho Books: 12-24 hours
  value reference: Zoho Books
additional property: Pre-Built Reports
  type: PropertyValue
  value: Xero: 40+ | Zoho Books: 25+
  value reference: Xero
additional property: Global User Base
  type: PropertyValue
  value: Xero: 3.7M+ users | Zoho Books: N/A
additional property: Mobile App Rating (iOS/Android)
  type: PropertyValue
  value: Xero: 4.7/5 | Zoho Books: N/A
interactivity type: active
significant link: https://www.aversusb.net/entity/xero
significant link: https://www.aversusb.net/alternatives/xero
significant link: https://www.aversusb.net/entity/zoho-books
significant link: https://www.aversusb.net/alternatives/zoho-books
significant link: https://www.aversusb.net/api/answer/xero-vs-zoho-books)
significant link: https://www.aversusb.net/api/v1/schema/xero-vs-zoho-books)
related link: https://www.aversusb.net/compare/xero-vs-zoho-books
related link: https://www.aversusb.net/compare/xero-vs-freshbooks
related link: https://www.aversusb.net/compare/xero-vs-wave
related link: https://www.aversusb.net/compare/xero-vs-sage
related link: https://www.aversusb.net/compare/wave-vs-zoho-books
related link: https://www.aversusb.net/compare/quickbooks-vs-zoho-books
related link: https://www.aversusb.net/compare/xero-vs-myob
related link: https://www.aversusb.net/compare/sage-vs-xero
teaches: How to choose between Xero and Zoho Books
genre: Software

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Xero vs Zoho Books — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Xero
type: SoftwareApplication
language: en-US
description: Cloud-based accounting software focused on small businesses with strong UX and multi-currency support.
image: ImageObject
  caption: Xero
subject of: Xero vs Zoho Books
image: ImageObject
  caption: Xero

Zoho Books
type: SoftwareApplication
alternate name: ZB
language: en-US
description: Affordable cloud accounting platform with deep Zoho ecosystem integration and built-in AI automation.
subject of: Xero vs Zoho Books

Xero vs Zoho Books — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Xero vs Zoho Books. Contains 92 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: AI Automation Growth (YoY)
  type: PropertyValue
  value reference: Technology & Features
variable measured: Maximum User Capacity (Advanced Tier)
  type: PropertyValue
  value reference: Scalability
variable measured: Expense Tracking Support Score
  type: PropertyValue
  value reference: Reporting Features
variable measured: US Tax & Payroll Integration Strength
  type: PropertyValue
  value reference: Domestic Features
variable measured: Accountant Platform Included
  type: PropertyValue
  value reference: Professional Tools
variable measured: Market Position for eCommerce
  type: PropertyValue
  value reference: Industry Fit
variable measured: Additional Team Member Cost
  type: PropertyValue
  value reference: Pricing
variable measured: Mobile Accounting Features
  type: PropertyValue
  value reference: Mobile Experience
variable measured: AI Document Processing
  type: PropertyValue
  value reference: Automation
variable measured: Setup Complexity
  type: PropertyValue
  value reference: Operations
variable measured: Data Migration Support
  type: PropertyValue
  value reference: Onboarding
variable measured: Multi-Entity Support
  type: PropertyValue
  value reference: Scalability
variable measured: Invoice Branding Control
  type: PropertyValue
  value reference: Customization
variable measured: US Market Users
  type: PropertyValue
  value reference: Market Position
variable measured: Native Payroll Integration (US)
  type: PropertyValue
  value reference: Features
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: User Experience
variable measured: API Rate Limits
  type: PropertyValue
  value reference: Integration
variable measured: Free Trial Period
  type: PropertyValue
  value reference: Onboarding
variable measured: Base Monthly Subscription Price
  type: PropertyValue
  value reference: Pricing
variable measured: Cost Per Additional User
  type: PropertyValue
  value reference: Pricing
variable measured: Number of Supported Currencies
  type: PropertyValue
  value reference: International Features
variable measured: Bank Feed Integration Partners
  type: PropertyValue
  value reference: Integration
variable measured: Customer Satisfaction Score
  type: PropertyValue
  value reference: User Satisfaction
variable measured: Maximum Concurrent Users
  type: PropertyValue
  value reference: Scalability
variable measured: Mobile App Invoice Creation
  type: PropertyValue
  value reference: Mobile Features
variable measured: Monthly Cost (Starter Plan)
  type: PropertyValue
  value reference: Pricing
variable measured: Currency Support
  type: PropertyValue
  value reference: Features
variable measured: Maximum Users (Free/Starter)
  type: PropertyValue
  value reference: Collaboration
variable measured: Invoice Templates
  type: PropertyValue
  value reference: Features
variable measured: Inventory Management
  type: PropertyValue
  value reference: Restaurant Features
variable measured: Starting Monthly Price
  type: PropertyValue
  value reference: Pricing
variable measured: Maximum Users (Standard Tier)
  type: PropertyValue
  value reference: Scalability
variable measured: API Rate Limit
  type: PropertyValue
  value reference: Technical
variable measured: Pre-Built Integrations
  type: PropertyValue
  value reference: Ecosystem
variable measured: Average Onboarding Time
  type: PropertyValue
  value reference: Support
variable measured: Maximum Entities Supported
  type: PropertyValue
  value reference: Enterprise Features
variable measured: Mobile App Receipt Capture
  type: PropertyValue
  value reference: Mobile
variable measured: Countries Supported
  type: PropertyValue
  value reference: Global Reach
variable measured: Standard Plan Concurrent Users
  type: PropertyValue
  value reference: User Management
variable measured: Mobile App iOS Rating
  type: PropertyValue
  value reference: User Experience
variable measured: API Endpoints Available
  type: PropertyValue
  value reference: Developer Tools
variable measured: On-Premises Deployment Available
  type: PropertyValue
  value reference: Deployment
variable measured: Starting Price
  type: PropertyValue
  value reference: Pricing
variable measured: Free Plan Available
  type: PropertyValue
  value reference: Pricing
variable measured: User Interface Rating
  type: PropertyValue
  value reference: Usability
variable measured: Customer Support Response Time
  type: PropertyValue
  value reference: Support
variable measured: Pre-Built Reports
  type: PropertyValue
  value reference: Reporting
variable measured: Global User Base
  type: PropertyValue
  value reference: Adoption
variable measured: Mobile App Rating (iOS/Android)
  type: PropertyValue
  value reference: User Experience
variable measured: Countries/Regions Supported
  type: PropertyValue
  value reference: Availability
variable measured: API Free Tier Monthly Calls
  type: PropertyValue
  value reference: Developer Features
variable measured: Customer Support Hours
  type: PropertyValue
  value reference: Support
variable measured: Built-in Payroll Integration
  type: PropertyValue
  value reference: Features
variable measured: Base Monthly Cost
  type: PropertyValue
  value reference: Pricing
variable measured: Number of Integrations
  type: PropertyValue
  value reference: Integrations
variable measured: Supported Currencies
  type: PropertyValue
  value reference: International
variable measured: Users on Free/Base Plan
  type: PropertyValue
  value reference: Team Collaboration
variable measured: Custom Financial Reports
  type: PropertyValue
  value reference: Reporting
variable measured: Mobile App Functionality
  type: PropertyValue
  value reference: Usability
variable measured: Bank Feed Automation
  type: PropertyValue
  value reference: Automation
variable measured: Invoice Limit (Free Plan)
variable measured: Third-Party Integrations
variable measured: System Uptime SLA
variable measured: On-Premise Deployment
variable measured: Real-time Collaboration Features
variable measured: Countries with Localized Compliance
variable measured: Global Active Users
variable measured: Starting Monthly Price (AUD)
variable measured: Third-Party App Integrations
is based on: https://www.aversusb.net/compare/xero-vs-zoho-books)

Xero vs Zoho Books — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Xero vs Zoho Books.
has defined term: Technology & Features
has defined term: Scalability
has defined term: Reporting Features
has defined term: Domestic Features
has defined term: Professional Tools
has defined term: Industry Fit
has defined term: Pricing
has defined term: Mobile Experience
has defined term: Automation
has defined term: Operations
has defined term: Onboarding
has defined term: Customization
has defined term: Market Position
has defined term: Features
has defined term: User Experience
has defined term: Integration
has defined term: International Features
has defined term: User Satisfaction
has defined term: Mobile Features
has defined term: Collaboration
has defined term: Restaurant Features
has defined term: Technical
has defined term: Ecosystem
has defined term: Support
has defined term: Enterprise Features
has defined term: Mobile
has defined term: Global Reach
has defined term: User Management
has defined term: Developer Tools
has defined term: Deployment
has defined term: Usability
has defined term: Reporting
has defined term: Adoption
has defined term: Availability
has defined term: Developer Features
has defined term: Integrations
has defined term: International
has defined term: Team Collaboration
has defined term: Reliability
has defined term: Sharing & Collaboration
has defined term: Global Support
has defined term: Community
has defined term: Extensibility

Technology & Features
type: DefinedTerm
term code: technology-&-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Scalability
type: DefinedTerm
term code: scalability
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Reporting Features
type: DefinedTerm
term code: reporting-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Domestic Features
type: DefinedTerm
term code: domestic-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Professional Tools
type: DefinedTerm
term code: professional-tools
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Industry Fit
type: DefinedTerm
term code: industry-fit
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Mobile Experience
type: DefinedTerm
term code: mobile-experience
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Automation
type: DefinedTerm
term code: automation
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Operations
type: DefinedTerm
term code: operations
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Onboarding
type: DefinedTerm
term code: onboarding
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Customization
type: DefinedTerm
term code: customization
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Market Position
type: DefinedTerm
term code: market-position
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Features
type: DefinedTerm
term code: features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

User Experience
type: DefinedTerm
term code: user-experience
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Integration
type: DefinedTerm
term code: integration
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

International Features
type: DefinedTerm
term code: international-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

User Satisfaction
type: DefinedTerm
term code: user-satisfaction
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Mobile Features
type: DefinedTerm
term code: mobile-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Collaboration
type: DefinedTerm
term code: collaboration
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Restaurant Features
type: DefinedTerm
term code: restaurant-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Technical
type: DefinedTerm
term code: technical
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Ecosystem
type: DefinedTerm
term code: ecosystem
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Support
type: DefinedTerm
term code: support
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Enterprise Features
type: DefinedTerm
term code: enterprise-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Mobile
type: DefinedTerm
term code: mobile
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Global Reach
type: DefinedTerm
term code: global-reach
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

User Management
type: DefinedTerm
term code: user-management
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Developer Tools
type: DefinedTerm
term code: developer-tools
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Deployment
type: DefinedTerm
term code: deployment
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Reporting
type: DefinedTerm
term code: reporting
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Adoption
type: DefinedTerm
term code: adoption
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Availability
type: DefinedTerm
term code: availability
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Developer Features
type: DefinedTerm
term code: developer-features
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Integrations
type: DefinedTerm
term code: integrations
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

International
type: DefinedTerm
term code: international
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Team Collaboration
type: DefinedTerm
term code: team-collaboration
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Reliability
type: DefinedTerm
term code: reliability
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Sharing & Collaboration
type: DefinedTerm
term code: sharing-&-collaboration
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Global Support
type: DefinedTerm
term code: global-support
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Community
type: DefinedTerm
term code: community
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

Extensibility
type: DefinedTerm
term code: extensibility
in defined term set: Xero vs Zoho Books — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-08T12:44:19.745Z
author: A Versus B
publisher: A Versus B
is part of: xero-vs-zoho-books)
main entity: Which is better for freelancers and solopreneurs?
  type: Question
  accepted answer: Answer
    text: Xero is better if you invoice internationally or handle multiple currencies regularly—its superior UX and 160+ currency support are worth the premium. Zoho Books is better if you're in a single currency, on a tight budget, and prefer straightforward invoicing at $10/month.
    language: en-US
main entity: Can I integrate Xero or Zoho Books with my CRM?
  type: Question
  accepted answer: Answer
    text: Xero integrates with 500+ apps including Salesforce, HubSpot, and Pipedrive. Zoho Books has a significant advantage if you use Zoho CRM—direct, seamless integration with shared customer data. For non-Zoho CRMs, Xero has more established third-party integrations.
    language: en-US
main entity: Which handles multi-currency invoicing better?
  type: Question
  accepted answer: Answer
    text: Xero supports 160+ currencies with real-time exchange rates and is purpose-built for international businesses. Zoho Books supports 120+ currencies but is better suited for single-currency operations. Xero is the clear winner for companies with international clients.
    language: en-US
main entity: Is Zoho Books' AI invoice OCR actually useful?
  type: Question
  accepted answer: Answer
    text: Yes—Zoho Books' AI-powered bill OCR automatically extracts vendor details, amounts, and dates from uploaded PDFs/images with 90%+ accuracy, reducing manual data entry by 70-80%. Xero requires manual entry or third-party tools like Hubdoc, which adds cost. This is a genuine competitive advantage for Zoho Books.
    language: en-US
main entity: Which platform has better customer support?
  type: Question
  accepted answer: Answer
    text: Xero offers 24/7 phone support in most regions and has extensive community forums. Zoho Books offers 24/7 email and chat support but phone support is limited to premium tiers. Xero's support is generally considered more responsive, though both offer live assistance.
    language: en-US

How to Choose Between Xero and Zoho Books
type: HowTo
description: Xero excels in cloud-native design and multi-currency support with superior UX, while Zoho Books offers significantly lower pricing and deeper integration with Zoho's 55+ app ecosystem. Xero is better for growing businesses prioritizing user experience, while Zoho Books suits cost-conscious SMBs already using Zoho products.
language: en-US
total time: PT3M
step: Consider: Starting Monthly Price
step: Consider: Multi-Currency Support
step: Consider: Bank Connections (US/UK)
step: Consider: Mobile App User Rating (iOS)
step: Consider: Third-Party Integrations (Native)
step: Consider: Invoice Automation (OCR)
step: Consider: Free Trial Length
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Xero if you need superior multi-currency handling, better mobile experience, and work with international clients or multiple currencies—the user experience and bank connectivity justify the premium pricing. Choose Zoho Books if you're budget-constrained, already use Zoho CRM/Suite, or need AI-powered invoice OCR without additional costs—it delivers solid core accounting at a lower price point.

Consider: Starting Monthly Price
type: HowToStep
position: 1
text: Starting Monthly Price: Xero has $13/month, while Zoho Books has $10/month.

Consider: Multi-Currency Support
type: HowToStep
position: 2
text: Multi-Currency Support: Xero has 160+ currencies, real-time rates, while Zoho Books has 120+ currencies, real-time rates.

Consider: Bank Connections (US/UK)
type: HowToStep
position: 3
text: Bank Connections (US/UK): Xero has 1,200+ institutions, while Zoho Books has 850+ institutions.

Consider: Mobile App User Rating (iOS)
type: HowToStep
position: 4
text: Mobile App User Rating (iOS): Xero has 4.6 stars (18K reviews), while Zoho Books has 4.3 stars (12K reviews).

Consider: Third-Party Integrations (Native)
type: HowToStep
position: 5
text: Third-Party Integrations (Native): Xero has 500+ apps, while Zoho Books has 1,000+ apps (Zoho ecosystem).

Consider: Invoice Automation (OCR)
type: HowToStep
position: 6
text: Invoice Automation (OCR): Xero has Manual entry + basic matching, while Zoho Books has AI-powered bill OCR included.

Consider: Free Trial Length
type: HowToStep
position: 7
text: Free Trial Length: Xero has 30 days, while Zoho Books has 14 days.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Xero vs Zoho Books
review body: Xero excels in cloud-native design and multi-currency support with superior UX, while Zoho Books offers significantly lower pricing and deeper integration with Zoho's 55+ app ecosystem. Xero is better for growing businesses prioritizing user experience, while Zoho Books suits cost-conscious SMBs already using Zoho products.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Xero vs Zoho Books

Countries/Regions Supported
type: PropertyValue
value: Xero: 120+ | Zoho Books: N/A

API Free Tier Monthly Calls
type: PropertyValue
value: Xero: 60,000 | Zoho Books: N/A

Customer Support Hours
type: PropertyValue
value: Xero: 168 (24/7) | Zoho Books: N/A

Built-in Payroll Integration
type: PropertyValue
value: Xero: Third-party add-on (Guidepoint, Namely) | Zoho Books: N/A

Base Monthly Cost
type: PropertyValue
value: Xero: $13-62 depending on plan | Zoho Books: N/A

Number of Integrations
type: PropertyValue
value: Xero: 1000+ | Zoho Books: N/A

Supported Currencies
type: PropertyValue
value: Xero: 160+ | Zoho Books: 140+
value reference: Xero

Users on Free/Base Plan
type: PropertyValue
value: Xero: 1 user | Zoho Books: N/A

Custom Financial Reports
type: PropertyValue
value: Xero: 50+ customizable reports | Zoho Books: N/A

Mobile App Functionality
type: PropertyValue
value: Xero: Full accounting and expense tracking | Zoho Books: N/A

Bank Feed Automation
type: PropertyValue
value: Xero: Advanced automation saves ~8 hours | Zoho Books: N/A

Invoice Limit (Free Plan)
type: PropertyValue
value: Xero: Varies by Starter plan | Zoho Books: N/A

Third-Party Integrations
type: PropertyValue
value: Xero: 800+ | Zoho Books: 500+ (50+ native)
value reference: Xero

System Uptime SLA
type: PropertyValue
value: Xero: 99.5% | Zoho Books: N/A

On-Premise Deployment
type: PropertyValue
value: Xero: Not available | Zoho Books: N/A

Real-time Collaboration Features
type: PropertyValue
value: Xero: Full (multi-user simultaneous editing) | Zoho Books: N/A

Countries with Localized Compliance
type: PropertyValue
value: Xero: 190+ | Zoho Books: N/A

Global Active Users
type: PropertyValue
value: Xero: 1.9 million | Zoho Books: N/A

Starting Monthly Price (AUD)
type: PropertyValue
value: Xero: $13 | Zoho Books: N/A

Third-Party App Integrations
type: PropertyValue
value: Xero: 500+ | Zoho Books: 1,000+
value reference: Zoho Books

Cloud Infrastructure Uptime
type: PropertyValue
value: Xero: 99.5% | Zoho Books: N/A

Mobile App Invoice Management
type: PropertyValue
value: Xero: Full invoicing, payments, expense tracking | Zoho Books: N/A

Countries with Bank Feed Support
type: PropertyValue
value: Xero: 90+ | Zoho Books: N/A

Max Users on Starter Plan
type: PropertyValue
value: Xero: 1-3 limited (unlimited on higher tiers) | Zoho Books: N/A

Starting Monthly Price (USD)
type: PropertyValue
value: Xero: $13/month | Zoho Books: $10/month
value reference: Zoho Books

Pro Tier Monthly Price (USD)
type: PropertyValue
value: Xero: $66/month | Zoho Books: $45/month
value reference: Zoho Books

Multi-Currency Support
type: PropertyValue
value: Xero: 160+ currencies | Zoho Books: 120+ currencies
value reference: Xero

Bank Feed Integrations
type: PropertyValue
value: Xero: 1,200+ (US/UK/AU/NZ) | Zoho Books: 850+ (global coverage)
value reference: Xero

iOS Mobile App Rating
type: PropertyValue
value: Xero: 4.6 stars (18,000+ reviews) | Zoho Books: 4.3 stars (12,000+ reviews)
value reference: Xero

Native Third-Party Integrations
type: PropertyValue
value: Xero: 500+ native integrations | Zoho Books: 1,000+ (Zoho ecosystem + partners)
value reference: Zoho Books

Free Trial Duration
type: PropertyValue
value: Xero: 30 days | Zoho Books: 14 days
value reference: Xero

Invoice OCR/Automation
type: PropertyValue
value: Xero: Manual entry + basic matching | Zoho Books: AI-powered OCR (included)

Base Annual Cost
type: PropertyValue
value: Xero: N/A | Zoho Books: $99-$399/year

Monthly Cost (Entry Plan)
type: PropertyValue
value: Xero: N/A | Zoho Books: $8.25/month (annual pay)

Automation Rules
type: PropertyValue
value: Xero: N/A | Zoho Books: 50+ pre-built rules

Maximum User Accounts
type: PropertyValue
value: Xero: N/A | Zoho Books: 1-3 (depending on plan)

Mobile App Rating
type: PropertyValue
value: Xero: N/A | Zoho Books: 4.6/5 (28,000 reviews)

Entry-Level Monthly Price
type: PropertyValue
value: Xero: N/A | Zoho Books: $9/month

Currencies Supported
type: PropertyValue
value: Xero: N/A | Zoho Books: 195+ currencies natively

US Bank Connections
type: PropertyValue
value: Xero: N/A | Zoho Books: 9,000+ banks

Maximum Users on Starter Plan
type: PropertyValue
value: Xero: N/A | Zoho Books: 1 user

Accountant/Bookkeeper Network Size
type: PropertyValue
value: Xero: N/A | Zoho Books: 15,000+ trained partners

Mobile App Available
type: PropertyValue
value: Xero: N/A | Zoho Books: iOS & Android

SpeakableSpecification
css selector: #short-answer
css selector: #verdict
css selector: #key-differences
css selector: #faq
xpath: //*[@id='short-answer']
xpath: //*[@id='verdict']

Xero — Wikipedia
type: CreativeWork

Zoho Books — Wikipedia
type: CreativeWork

Compare Xero vs Zoho Books
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/xero-vs-zoho-books)
object: Xero
object: Zoho Books

Invoice Limit (Free Plan)
type: PropertyValue
value reference: Features

Third-Party Integrations
type: PropertyValue
value reference: Integrations

System Uptime SLA
type: PropertyValue
value reference: Reliability

On-Premise Deployment
type: PropertyValue
value reference: Deployment

Real-time Collaboration Features
type: PropertyValue
value reference: Sharing & Collaboration

Countries with Localized Compliance
type: PropertyValue
value reference: Global Support

Global Active Users
type: PropertyValue
value reference: Community

Starting Monthly Price (AUD)
type: PropertyValue
value reference: Pricing

Third-Party App Integrations
type: PropertyValue
value reference: Integrations

Cloud Infrastructure Uptime
type: PropertyValue
value reference: Reliability

Mobile App Invoice Management
type: PropertyValue
value reference: Mobile

Countries with Bank Feed Support
type: PropertyValue
value reference: Automation

Max Users on Starter Plan
type: PropertyValue
value reference: Collaboration

Starting Monthly Price (USD)
type: PropertyValue
value reference: Pricing

Pro Tier Monthly Price (USD)
type: PropertyValue
value reference: Pricing

Multi-Currency Support
type: PropertyValue
value reference: Features

Bank Feed Integrations
type: PropertyValue
value reference: Features

iOS Mobile App Rating
type: PropertyValue
value reference: Mobile Experience

Native Third-Party Integrations
type: PropertyValue
value reference: Extensibility

Free Trial Duration
type: PropertyValue
value reference: Onboarding

Invoice OCR/Automation
type: PropertyValue
value reference: Features

Base Annual Cost
type: PropertyValue
value reference: Pricing

Monthly Cost (Entry Plan)
type: PropertyValue
value reference: Pricing

Automation Rules
type: PropertyValue
value reference: Features

Maximum User Accounts
type: PropertyValue
value reference: Scalability

Mobile App Rating
type: PropertyValue
value reference: User Experience

Entry-Level Monthly Price
type: PropertyValue
value reference: Pricing

Currencies Supported
type: PropertyValue
value reference: Features

US Bank Connections
type: PropertyValue
value reference: Integration

Maximum Users on Starter Plan
type: PropertyValue
value reference: Scalability

Accountant/Bookkeeper Network Size
type: PropertyValue
value reference: Support

Mobile App Available
type: PropertyValue
value reference: Features