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


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

3S Money and Navan 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 HomepageNavan Homepage
 

3S Money vs Navan Reviews

3S MoneyNavan
Trustpilot Review Rating 4.82.8
Number of Trustpilot Reviews6553
iPhone App RatingNo Rating3.9
Number of iPhone App ReviewsNo Reviews121
Android App RatingNo Rating4.1
Number of Android App ReviewsNo Reviews4600
Note these figures we’re taken from each company’s website and may have changed since publication

3S Money vs Navan Key Details

3S MoneyNavan
WebsiteClick Here to Visit 3S Money WebsiteClick Here to Visit Navan Website
Card TypeNo Card ProvidedVISA
Offers Physical Cards?NoYes
Offers Virtual Cards?NoYes
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 Navan Cost

3S Money PricingNavan Pricing
3S MoneyNavan
Free Plan?NoNo
Free Trial?NoNo
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 Navan Features

3S Money FeaturesNavan 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

Navan Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Navan Accounting Software Integrations

  • QuickBooks
  • NetSuite
  • Xero
  • Sage

3S Money vs Navan Features Comparison

3S MoneyNavan
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesYes
Access Controls/PermissionsNoYes
ReconciliationsNoYes
Approval Process ControlNoYes
Budget ControlNoYes
Expense CategorisationNoNo
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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