Zoho · FreeMalta Partner
50+ business apps.
One subscription.
CRM, email, accounting, HR, helpdesk, project management — the full business operating system. At a fraction of what Salesforce, HubSpot, and Google Workspace charge separately.
100M+ users
GDPR · EU data residency
150+ countries
The flagship product
Zoho One — the operating system
for your entire business.
One login. One subscription. Everything connected. Most companies run 8-12 separate SaaS tools that don't talk to each other. Zoho One replaces most of them.
Zoho One · All-in-One Suite
Everything your business needs.
Without the enterprise price tag.
Zoho One gives you access to 50+ integrated business applications — from CRM and accounting to HR, email, and customer support. All sharing the same data, the same contacts, the same workflows. No copy-pasting between tools. No integration tax. No per-app pricing surprises.
50+Integrated apps
€37Per user/month (all employees)
EUData residency available
60%Cheaper than alternatives
The Zoho Ecosystem
What's actually inside.
The apps you'll use every day, grouped by what they do.
Sales & CRM
Pipeline, leads, campaigns
Zoho CRM
Full pipeline management, lead scoring, automation and reporting. Salesforce alternative.
Zoho Campaigns
Email marketing, automation sequences, A/B testing and analytics.
Zoho SalesIQ
Live chat, visitor tracking, chatbots and lead capture for your website.
Zoho Bigin
Lightweight CRM for small teams — simpler than full CRM, more powerful than a spreadsheet.
Finance & Accounting
Books, invoicing, expenses
Zoho Books
Full accounting — journal entries, bank reconciliation, tax reports, multi-currency.
Zoho Invoice
Free invoicing for freelancers and small businesses. Create, send, track.
Zoho Expense
Expense reporting, receipt scanning, travel management and reimbursements.
Zoho Payroll
Payroll processing with automated tax calculations. India and US currently.
Operations & HR
Projects, people, support
Zoho Projects
Project management — tasks, milestones, Gantt charts, time tracking.
Zoho People
HR management — leave, attendance, performance reviews, employee records.
Zoho Desk
Customer support helpdesk — tickets, SLAs, automation and reporting.
Zoho Recruit
Applicant tracking system for in-house recruiting teams.
Productivity & Collaboration
Email, docs, storage, comms
Zoho Mail
Business email with EU data residency. Ad-free, GDPR compliant.
Zoho WorkDrive
Team file storage and collaboration. Google Drive alternative.
Zoho Cliq
Team messaging, channels, video calls. Slack alternative.
Zoho Writer / Sheet
Word processor and spreadsheet. Works offline, stored in EU.
Honest Comparison
Zoho vs the alternatives.
What you're actually choosing between.
No affiliate agenda here — just the honest picture.
Feature
Zoho
Salesforce
HubSpot
Google Workspace
CRM
✓ Full-featured
✓ Industry standard
✓ Free tier limited
✗ Not included
Accounting
✓ Zoho Books
✗ Not included
✗ Not included
✗ Not included
Email
✓ Zoho Mail EU
✗ Not included
✗ Not included
✓ Gmail
HR & People
✓ Zoho People
Add-on cost
Limited
✗ Not included
Helpdesk
✓ Zoho Desk
Service Cloud extra
✓ Service Hub
✗ Not included
Project Mgmt
✓ Zoho Projects
✗ Not included
✗ Not included
✗ Not included
EU Data Residency
✓ zoho.eu all plans
Enterprise only
Enterprise only
✓ Available
Price/user/month
~€37 all apps
€25–€300+
€15–€120+
€6–€18 limited
Zoho is the only platform that includes CRM, accounting, email, HR, helpdesk and project management in a single subscription — with EU data residency available to all plans via zoho.eu.
The Full Business Stack
Zoho runs your operations.
Here's what runs alongside it.
The tools Malta's most efficient companies combine with Zoho.
Zoho
Business OS
50+ integrated apps — CRM, accounting, email, HR, helpdesk. One subscription.
Try Zoho →
Deel
Payroll & EOR
Global HR and payroll. Integrates with Zoho People for seamless HR data sync.
Get started →
Wise
Banking
Multi-currency business account. Reconcile transactions directly in Zoho Books.
Open account →
n8n
Automation
Connect Zoho with anything. Zoho CRM → Slack, Zoho Books → Wise, Zoho Desk → Deel.
Automate →
Mercury
US Banking
US business banking for companies with a US entity. Open remotely.
Join Mercury →
Payoneer
Payments
Collect payments from global clients and marketplaces. Works alongside Zoho Invoice.
Open account →
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Frequently Asked Questions
What is Zoho One and is it worth it?
Zoho One is a single subscription that gives you access to 50+ Zoho apps — CRM, accounting, email, HR, project management, helpdesk, and more. At around €37/user/month (all employees pricing), it replaces tools that would individually cost 3-5x more. For a small business running on Salesforce + QuickBooks + Google Workspace + Slack, Zoho One is typically 60-70% cheaper. The trade-off: some apps are not as deep as best-in-class alternatives. The upside: everything is connected out of the box.
How does Zoho CRM compare to Salesforce and HubSpot?
Zoho CRM covers the core sales pipeline, lead management, automation, and reporting that 90% of businesses actually need — at a fraction of Salesforce's cost. HubSpot's free tier is useful but the paid tiers escalate quickly. Zoho CRM starts at €14/user/month. Salesforce starts at €25/user/month and scales steeply. For SMEs and growing companies that don't need Salesforce's enterprise complexity, Zoho CRM is the rational choice.
Is Zoho GDPR compliant and where is data stored?
Yes. Zoho operates EU-specific data centres and offers EU data residency via zoho.eu — meaning your data stays within the European Union. Zoho is GDPR compliant and has signed Data Processing Agreements available for enterprise customers. For Malta-based businesses handling EU customer data, Zoho EU is the appropriate choice.
Can Zoho replace Google Workspace?
For most business functions, yes. Zoho Mail replaces Gmail, Zoho Writer replaces Google Docs, Zoho Sheet replaces Google Sheets, Zoho WorkDrive replaces Google Drive, and Zoho Cliq replaces Google Chat. The integration is tighter within the Zoho ecosystem than Google Workspace's patchwork of tools. If your team is already on Gmail and Google Drive, migration takes time but is achievable. Zoho provides migration tools.
What is the difference between Zoho Books and Zoho Invoice?
Zoho Invoice is a free standalone invoicing tool — create and send invoices, track payments, manage clients. Zoho Books is a full accounting platform — journal entries, bank reconciliation, tax reports, financial statements, multi-currency, inventory. For freelancers and small businesses just needing to invoice clients, Zoho Invoice is sufficient. For any business needing proper accounting, Zoho Books is the right product.
Does Zoho integrate with other tools FreeMalta recommends?
Yes. Zoho integrates natively with Deel (payroll and HR sync), Wise (payment reconciliation), and has a Zapier/n8n connector for custom automations. Zoho CRM also integrates with Mailchimp, Slack, Google Workspace, and 300+ other tools via Zoho Marketplace. N8N has a Zoho module that allows full workflow automation between Zoho and any other service in your stack.
Also in Solutions
FreeMalta earns a commission if you sign up through our links — at no cost to you. Pricing and features are based on publicly available information and may change. Always verify current pricing on Zoho's website before purchasing.