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


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

3S Money and Mobile Expense 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 HomepageMobile Expense Homepage
 

3S Money vs Mobile Expense Reviews

3S MoneyMobile Expense
Trustpilot Review Rating 4.8No Rating
Number of Trustpilot Reviews655No Reviews
iPhone App RatingNo Rating4.6
Number of iPhone App ReviewsNo Reviews1000
Android App RatingNo Rating4.4
Number of Android App ReviewsNo Reviews2960
Note these figures we’re taken from each company’s website and may have changed since publication

3S Money vs Mobile Expense Key Details

3S MoneyMobile Expense
WebsiteClick Here to Visit 3S Money WebsiteClick Here to Visit Mobile Expense Website
Card TypeNo Card ProvidedVISA
Offers Physical Cards?NoYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?NoYes
Cashback Plans?NoNo
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoYes

3S Money vs Mobile Expense Cost

3S Money PricingMobile Expense Pricing
3S MoneyMobile Expense
Free Plan?NoNo
Free Trial?NoNo
Cheapest Plan Price Per Month£244.78£6.10
Mid Plan Price Per MonthNot Applicable£8.71
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 Mobile Expense Features

3S Money FeaturesMobile Expense 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

Mobile Expense Features

LOCAL

  • Local compliance
  • GDPR compliant
  • Mobile & desktop apps
  • Company cards
  • Automated rules & workflows
  • Available in 7 languages

EUROPE

  • EU-wide compliance (GoBD, ES homologation, URSSAF, etc.)
  • Tailored expense policies
  • Personalised support
  • Automated exchange rates

GLOBAL

  • Global compliance in 70+ countries
  • Multi-entity management
  • Assistant / deputy function
  • Single Sign On
  • Policy-driven workflows
  • Multi-currency

Mobile Expense Accounting Software Integrations

  • DATEV
  • Exact
  • Sage
  • Twinfield

3S Money vs Mobile Expense Features Comparison

3S MoneyMobile Expense
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesYes
Access Controls/PermissionsNoYes
ReconciliationsNoYes
Approval Process ControlNoYes
Budget ControlNoNo
Expense CategorisationNoYes
Compliance ManagementYesYes
Customizable Fields NoYes
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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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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