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


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

3S Money and Expense On Demand 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 HomepageExpense On Demand Homepage
 

3S Money vs Expense On Demand Reviews

3S MoneyExpense On Demand
Trustpilot Review Rating 4.8No Rating
Number of Trustpilot Reviews655No Reviews
iPhone App RatingNo Rating4.4
Number of iPhone App ReviewsNo Reviews127
Android App RatingNo Rating3.7
Number of Android App ReviewsNo Reviews569
Note these figures we’re taken from each company’s website and may have changed since publication

3S Money vs Expense On Demand Key Details

3S MoneyExpense On Demand
WebsiteClick Here to Visit 3S Money WebsiteClick Here to Visit Expense On Demand Website
Card TypeNo Card ProvidedNo Card Provided
Offers Physical Cards?NoNo
Offers Virtual Cards?NoNo
Offers Prepaid Cards?NoNo
Cashback Plans?NoNo
Plans for Freelancers?YesNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoYes

3S Money vs Expense On Demand Cost

3S Money PricingExpense On Demand Pricing
3S MoneyExpense On Demand
Free Plan?NoNo
Free Trial?NoYes
Cheapest Plan Price Per Month£244.78Pricing Not On Website
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per MonthBespokeNot Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

3S Money vs Expense On Demand Features

3S Money FeaturesExpense On Demand 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

Expense On Demand Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Expense On Demand Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

3S Money vs Expense On Demand Features Comparison

3S MoneyExpense On Demand
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
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 & ReportingYesNo
Receipt ManagementNoYes
Spend ControlNoYes
Travel Management NoYes

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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