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3S Money vs Emburse: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

3S Money and Emburse are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

3S Money HomepageEmburse Homepage
 

3S Money vs Emburse Reviews

3S MoneyEmburse
Trustpilot Review Rating 4.8No Rating
Number of Trustpilot Reviews655No Reviews
iPhone App RatingNo RatingNo Rating
Number of iPhone App ReviewsNo ReviewsNo Reviews
Android App RatingNo RatingNo Rating
Number of Android App ReviewsNo ReviewsNo Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

3S Money vs Emburse Key Details

3S MoneyEmburse
WebsiteClick Here to Visit 3S Money WebsiteClick Here to Visit Emburse Website
Card TypeNo Card ProvidedMastercard
Offers Physical Cards?NoYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?NoYes
Cashback Plans?NoYes
Plans for Freelancers?YesNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoYes

3S Money vs Emburse Cost

3S Money PricingEmburse Pricing
3S MoneyEmburse
Free Plan?NoYes
Free Trial?NoNo
Cheapest Plan Price Per Month£244.78Free
Mid Plan Price Per MonthNot ApplicableFree
Top Plan Price Per MonthBespokeCustom
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

3S Money vs Emburse Features

3S Money FeaturesEmburse Features

3S Money Features

Standard International

  • Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses

No Mid-Tier Plan

Not Applicable

Bespoke International

  • Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds

3S Money Accounting Software Integrations

  • Xero

Emburse Features

Starter

  • For up to 10 employees

Business

  • For 10-100 employees

Enterprise

  • For more than 100 employees

Emburse Accounting Software Integrations

  • NetSuite
  • Ryvit
  • Sage

3S Money vs Emburse Features Comparison

3S MoneyEmburse
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesYes
Access Controls/PermissionsNoYes
ReconciliationsNoYes
Approval Process ControlNoYes
Budget ControlNoYes
Expense CategorisationNoYes
Compliance ManagementYesYes
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoYes
Mobile Receipt UploadNoYes
Real Time Notifications & ReportingYesYes
Receipt ManagementNoYes
Spend ControlNoYes
Travel Management NoYes

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3S Money vs Mesh
3S Money vs Finway

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