Kiby vs Zoho Books (2026): Pricing, Features & Verdict
Zoho Books is our pick, scoring 7/10 against 6/10 for Kiby on our Finance Software criteria. Its biggest advantage: higher Security score (7/10 vs 4/10). Only Zoho Books has a free plan.
Last updated: November 2026
Kiby
6/10
Spanish cloud ERP for self-employed workers, shops and SMEs that combines Verifactu-compliant invoicing, expenses, POS, stock, HR and CRM in modular plans.
Zoho Books
7/10
Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6/10 | 7/10 |
| Scalability | 5/10 | 6/10 |
| Analytics | 5/10 | 7/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 5/10 | 7/10 |
| Security | 4/10 | 7/10 |
| Support | 8/10 | 5/10 |
| Cost | 7/10 | 8/10 |
| Customization | 6/10 | 8/10 |
| Ease of Use | 7/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €15/mo Essentials Freelance | $20/mo Standard |
| Estimated cost for 10 users | Contact for pricing | $70/mo Premium |
| Features | ||
| General Ledger | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
Kiby vs Zoho Books cost by team size
| Team size | Kiby | Zoho Books |
|---|---|---|
| 1 user | €15/moEssentials Freelance | FreeFree |
| 5 users | €99/moBusiness Pro | $50/moProfessional |
| 10 users | Contact for pricing | $70/moPremium |
| 25 users | Contact for pricing | FreeFree |
| 50 users | Contact for pricing | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Kiby and Zoho Books suit
Zoho Books fits accountants and bookkeepers better than Kiby.
| Audience | Kiby | Zoho Books |
|---|---|---|
| Accountants and Bookkeepers | 5/10Advisors get access to client accounts and can export data, but full bookkeeping has to happen in a separate accounting program. | 7/10Every plan, including the free one, lets you invite an accountant, and an accountant on PeerSpot ranked it among their favorite systems. |
| E-commerce | 6/10WooCommerce sync with stock shared between the online store and the POS is included, but no other store platforms were found. | 7/10The Elite plan adds warehouses and connections to Amazon, eBay, Etsy and Shopify. |
| Freelancers | 7/10The 15 euro Essentials Freelance plan covers unlimited invoices, expenses and Verifactu for one user, though the vendor's comparison pages note there is no free plan. | 8/10The free plan covers invoicing, expenses and online payments for a single user. |
| Small Business | 8/10The plans are built for Spanish SMEs and shops, bundling invoicing, POS, stock and HR at flat monthly prices. | 9/10The plans are priced per organization and limits scale from a free tier, which makes it well suited to small companies. |
| Enterprise | 3/10An Enterprise tier with a dedicated server exists, but it is not sold directly, and the product has no consolidation or full accounting. | 3/10It has a 15-user cap, transaction limits, and no native multi-entity consolidation. |
| Consultancies | Not rated | 7/10It includes timesheet billing, retainers and project profitability tracking. |
Which One Should You Choose?
Why choose Kiby
- Higher Support score (8/10 vs 5/10)
Why choose Zoho Books
- Has a free plan (Kiby does not)
- Higher Security score (7/10 vs 4/10)
- Higher Analytics score (7/10 vs 5/10)
- Better fit for accountants and bookkeepers (7/10 vs 5/10)
- Includes General Ledger, which Kiby lacks
Pros & Cons
Kiby
Pros
- Verifactu mode is included on every plan at no extra cost, along with TicketBAI for Basque provinces and Facturae export, which suits Spanish compliance deadlines.
- Human support by phone, chat and ticket is included on all plans, which the vendor contrasts with rivals that keep phone support for higher tiers.
- Essentials Pro includes 3 users, CRM, HR, time tracking and a client portal for 29 euros a month, which is cheap for a small team.
- The POS shares stock with WooCommerce and works with barcode readers, ticket printers and card terminals from the Business Basic plan.
- A documented REST API with webhooks, idempotency keys and test keys, plus a separate Verifactu gateway for invoices from other systems.
- No minimum contract, a 14-day trial with no card, and data kept for 6 months if you do not subscribe.
Cons
- By the vendor's own account it keeps no full double-entry books, so an accountant still needs separate accounting software.
- Bank connection and AI reconciliation were listed as coming soon when checked, and parts of Kiby Pay were also marked coming soon.
- There is no free plan, and each extra user costs 9.99 euros a month beyond the users each plan includes.
- The product is very new and Spain-only. No ratings on G2, Capterra or app stores were found, and much of the coverage is promotional or affiliate content.
- No security certifications, encryption details or hosting location are published, except for the Enterprise tier's private European infrastructure.
Zoho Books
Pros
- The free plan includes online payments, bank reconciliation, recurring invoices and 1099 tracking for one user plus an accountant.
- Pricing is per organization, not per user, so small teams avoid per-seat costs.
- It connects natively with Zoho CRM, Zoho Payroll, Zoho Inventory and Zoho Analytics.
- Professional and higher plans include custom workflows, custom roles and approvals, and Premium adds custom modules and functions.
- On the Elite plan, inventory features cover warehouses, serial and batch tracking, and marketplace sync.
Cons
- Budgets, multi-currency and advanced inventory are only available on higher-priced tiers.
- Reviewers on Capterra and in NerdWallet's write-up describe slow or unhelpful customer support.
- It has fewer third-party integrations than its main competitors, according to NerdWallet.
- A PeerSpot reviewer found it awkward to invoice the same customer in different currencies.
- Even the top plan has a hard cap of 15 users, plus annual transaction limits.
Not sold on either?
Frequently Asked Questions
Zoho Books scores higher on our Finance Software criteria: 7/10 against 6/10 for Kiby. The largest gap is in Security: 4/10 for Kiby and 7/10 for Zoho Books.
Zoho Books has a free plan; Kiby does not list one.
Zoho Books is the better fit for accountants and bookkeepers: we rate it 7/10 for them, against 5/10 for Kiby.
Zoho Books has General Ledger, which Kiby lacks.
