Tellow vs Zoho Books Comparison
Compare Tellow vs Zoho Books features, pricing, and more.
Last updated: November 2026
Tellow
5.9/10
Dutch bookkeeping app for self-employed workers (zzp'ers). It combines a business account, invoicing, receipt scanning, automatic VAT filing and optional accountant-prepared tax returns.
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 | 5.9/10 | 7/10 |
| Analytics | 4/10 | 7/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 8/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 4/10 | 7/10 |
| Scalability | 3/10 | 6/10 |
| Security | 5/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €13/mo Basis | $20/mo Standard |
| Estimated cost for 10 users | Free Gratis | $70/mo Premium |
| Features | ||
| Multi-currency | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Financial Reporting | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
Tellow vs Zoho Books cost by team size
| Team size | Tellow | Zoho Books |
|---|---|---|
| 1 user | FreeGratis | FreeFree |
| 5 users | FreeGratis | $50/moProfessional |
| 10 users | FreeGratis | $70/moPremium |
| 25 users | FreeGratis | FreeFree |
| 50 users | FreeGratis | 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.
Which One Should You Choose?
Why choose Tellow
- Higher Support score (7/10 vs 5/10)
- Higher Ease of Use score (8/10 vs 7/10)
- Better fit for freelancers (10/10 vs 8/10)
Why choose Zoho Books
- Higher Customization score (8/10 vs 4/10)
- Higher Analytics score (7/10 vs 4/10)
- Better fit for small business (9/10 vs 6/10)
- Better fit for enterprise (3/10 vs 1/10)
- Includes Multi-currency, which Tellow lacks
Pros & Cons
Tellow
Pros
- The Plus plan files the VAT return to the Belastingdienst automatically, which saves Dutch freelancers manual tax work.
- The free plan includes a business IBAN and debit card, so very small sole traders can start without paying.
- Trustpilot reviewers (4.3 out of 5 from 156 reviews) often praise fast support, including in English for expats.
- The Compleet plan has accountants prepare and check both the business and private tax returns for a fixed monthly fee.
Cons
- Reviewers report there is no multi-currency or dual-currency bookkeeping.
- Payments from outside the SEPA area were reported as not processed.
- Some users find the mobile app slow to load.
- The free plan is tightly capped at 3 invoices and 20 receipts a month.
- It has no payroll, inventory or multi-entity support, and it is Netherlands-only.
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 5.9/10 for Tellow. The largest gap is in Customization: 4/10 for Tellow and 8/10 for Zoho Books.
Yes, both Tellow and Zoho Books have a free plan.
Zoho Books is the better fit for small business: we rate it 9/10 for them, against 6/10 for Tellow.
Zoho Books has Multi-currency, which Tellow lacks.
