BusinessFinancing.co.uk

 

B4B Payments vs Spendesk: Which Is The Better Company Expense Card?


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

B4B Payments and Spendesk 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.

B4B Payments HomepageSpendesk Homepage
 

B4B Payments vs Spendesk Reviews

B4B PaymentsSpendesk
Trustpilot Review Rating 1.74.3
Number of Trustpilot Reviews24857
iPhone App Rating2.54.7
Number of iPhone App Reviews22721
Android App Rating2.34.5
Number of Android App Reviews1171020
Note these figures we’re taken from each company’s website and may have changed since publication

B4B Payments vs Spendesk Key Details

B4B PaymentsSpendesk
WebsiteClick Here to Visit B4B Payments WebsiteClick Here to Visit Spendesk Website
Card TypeVISA/MastercardMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesYes
Cashback Plans?YesYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

B4B Payments vs Spendesk Cost

B4B Payments PricingSpendesk Pricing
B4B PaymentsSpendesk
Free Plan?NoYes
Free Trial?NoNo
Cheapest Plan Price Per MonthPricing Not On WebsitePricing Not On Website
Mid Plan Price Per MonthNot ApplicablePricing Not On Website
Top Plan Price Per MonthNot ApplicablePricing Not On Website
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

B4B Payments vs Spendesk Features

B4B Payments FeaturesSpendesk Features

B4B Payments Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

B4B Payments Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

Spendesk Features

Essentials

  • Unlimited virtual and physical cards
  • Automated & customizable bookkeeping
  • End to end invoice management
  • Expense tracking & reimbursement
  • Spend dashboards
  • Basic accounting integrations
  • Transactions: 100/month
  • Multi entity management: 3 (for a fee)

Scale

  • Purchase order tracking
  • HR and travel integrations
  • Budgets and sub-budgets
  • Dedicated account manager
  • Assisted set-up with onboarding manager
  • Transactions: 100/month
  • Multi entity management: 5 (for a fee)

Premium

  • Enterprise accounting integrations
  • Machine learning automation
  • Transactions: 500/month
  • Unlimited entity management

Spendesk Accounting Software Integrations

  • Xero
  • NetSuite
  • Quickbooks
  • Sage
  • Datev

B4B Payments vs Spendesk Features Comparison

B4B PaymentsSpendesk
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlNoYes
Budget ControlYesYes
Expense CategorisationYesYes
Compliance ManagementYesYes
Customizable Fields NoYes
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoYes
Mobile Receipt UploadNoYes
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

More Comparisons

B4B Payments vs Jeeves
B4B Payments vs Silverbird
B4B Payments vs Intergiro
B4B Payments vs GoSolo
B4B Payments vs 3S Money

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.



business bank account

Compare Top 49 UK Business Bank Accounts In 2025

free business banking

17 Best Free Business Bank Accounts In The UK For 2025

7 Easy To Open Business Bank Accounts With No Credit Check

Top 14 UK Business Accounts With Overdraft

31 Best UK Business Savings Accounts Rates Up To 5.25%

Top 33 Sole Trader Bank Accounts In The UK

Top 17 Business Credit Cards In The UK For 2025

21 Best UK Prepaid Business Expense Cards

Best Business Bank Accounts · Free Business Bank Accounts · Business Savings Accounts · Business Credit Cards
Blog · About Us · Contact US · Privacy Policy · Terms of Use
Copyright © 2025 BusinessFinancing.co.uk

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224