Vivid Business vs Zoho Books Comparison
Compare Vivid Business vs Zoho Books features, pricing, and more.
Last updated: November 2026
Vivid Business
6.1/10
Vivid Business is a business account from Berlin-based Vivid Money for European freelancers and SMEs. It bundles cards, multi-currency accounts, invoicing, card acceptance and interest on idle cash.
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 | 6.1/10 | 7/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 4/10 | 7/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 8/10 | 8/10 |
| Customization | 5/10 | 8/10 |
| Ease of Use | 7/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €7/mo Basic | $20/mo Standard |
| Estimated cost for 10 users | Free Free Start | $70/mo Premium |
| Features | ||
| Financial Reporting | ||
| General Ledger | ||
| Budgeting and Forecasting | ||
| Expense Management | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Inventory Accounting | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Vivid Business vs Zoho Books cost by team size
| Team size | Vivid Business | Zoho Books |
|---|---|---|
| 1 user | FreeFree Start | FreeFree |
| 5 users | FreeFree Start | $50/moProfessional |
| 10 users | FreeFree Start | $70/moPremium |
| 25 users | FreeFree Start | FreeFree |
| 50 users | FreeFree Start | 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 Vivid Business
Our data shows no clear advantage over Zoho Books.
Why choose Zoho Books
- Higher Analytics score (7/10 vs 4/10)
- Higher Customization score (8/10 vs 5/10)
- Includes Financial Reporting, which Vivid Business lacks
- Includes General Ledger, which Vivid Business lacks
Pros & Cons
Vivid Business
Pros
- A free plan with unlimited team members and free virtual and physical cards keeps entry costs low.
- Promotional interest of 4% on EUR and 5% on USD and GBP, plus ongoing interest that rises on higher tiers.
- Invoicing, accounting integrations including DATEV, and a travel tool are included on every plan.
- Unlimited sub-accounts with their own IBANs make cash budgeting simple.
- Enterprise tiers add approval flows with up to three steps, custom roles and budgets.
Cons
- It is not an accounting system: there is no ledger or financial statements, so bookkeeping software is still needed.
- Trustpilot reviewers in 2026 report business funds frozen for weeks with poor explanations.
- Approval flows, custom roles and budgets require Enterprise at 79 euros per month or more.
- A Luxembourg IBAN can be refused for some direct debits, and Vivid is an e-money institution rather than a bank.
- Outgoing international transfers are not available on the free plan, and SWIFT transfers cost up to 30 euros.
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 6.1/10 for Vivid Business. The largest gap is in Analytics: 4/10 for Vivid Business and 7/10 for Zoho Books.
Yes, both Vivid Business and Zoho Books have a free plan.
Zoho Books has Financial Reporting and General Ledger, which Vivid Business lacks.
