3S Money and Spenfi 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.
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3S Money vs Spenfi Reviews
| 3S Money | Spenfi | |
| Trustpilot Review Rating | 4.8 | 3.8 |
| Number of Trustpilot Reviews | 655 | 2 |
| iPhone App Rating | No Rating | No Rating |
| Number of iPhone App Reviews | No Reviews | No Reviews |
| Android App Rating | No Rating | No Rating |
| Number of Android App Reviews | No Reviews | No Reviews |
3S Money vs Spenfi Key Details
| 3S Money | Spenfi | |
| Website | Click Here to Visit 3S Money Website | Click Here to Visit Spenfi Website |
| Card Type | No Card Provided | VISA |
| Offers Physical Cards? | No | Yes |
| Offers Virtual Cards? | No | Yes |
| Offers Prepaid Cards? | No | No |
| Cashback Plans? | No | Yes |
| Plans for Freelancers? | Yes | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | No | Yes |
3S Money vs Spenfi Cost
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| 3S Money | Spenfi | |
| Free Plan? | No | Yes |
| Free Trial? | No | No |
| Cheapest Plan Price Per Month | £244.78 | £199.00 |
| Mid Plan Price Per Month | Not Applicable | £399.00 |
| Top Plan Price Per Month | Bespoke | Free* |
3S Money vs Spenfi Features
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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
Spenfi Features
Cards
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
Enterprise
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
- Pre-accounting OCR in 60+ languages
- Bulk payments
- Reimbursements management
- Smart inbox for receiving documents
- Supplier management
- Customer Success Specialist
Custom
- Virtual and physical Visa cards
- EUR, GBP & USD accounts
- Streamlined expense management
- Invoices, receipts & purchase orders management
- Smart subscriptions management
- Connect 2500+ bank accounts
- Apple Pay, Google Pay
- Pre-accounting OCR in 60+ languages
- Bulk payments
- Reimbursements management
- Smart inbox for receiving documents
- Supplier management
- Customer Success Specialist
- Multi-entity management
- Custom Integrations and APIs
- Dedicated 24/7 Customer Success Specialist
- Online onboarding sessions
Spenfi Accounting Software Integrations
- Xero
- Quickbooks
- Datev
- Exact Online
3S Money vs Spenfi Features Comparison
| 3S Money | Spenfi | |
| Apple Pay Compatible | Yes | Yes |
| Google Pay Compatible | Yes | Yes |
| Expense Claims | No | Yes |
| Expense Reimbursements | No | Yes |
| API | Yes | Yes |
| Access Controls/Permissions | No | No |
| Reconciliations | No | No |
| Approval Process Control | No | No |
| Budget Control | No | Yes |
| Expense Categorisation | No | No |
| Compliance Management | Yes | No |
| Customizable Fields | No | No |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | Yes |
| Mileage Tracking | No | Yes |
| Mobile Receipt Upload | No | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | No | Yes |
| Spend Control | No | Yes |
| Travel Management | No | No |
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