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Card One Money vs Equals: Which Is The Better Company Expense Card?


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

Card One Money and Equals 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.

Card One Money HomepageEquals Homepage
 

Card One Money vs Equals Reviews

Card One MoneyEquals
Trustpilot Review Rating 4.64.7
Number of Trustpilot Reviews749200
iPhone App Rating2.74.7
Number of iPhone App Reviews6013
Android App Rating3.82.9
Number of Android App Reviews19425
Note these figures we’re taken from each company’s website and may have changed since publication

Card One Money vs Equals Key Details

Card One MoneyEquals
WebsiteClick Here to Visit Card One Money WebsiteClick Here to Visit Equals Website
Card TypeMastercardMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?YesYes
Cashback Plans?YesYes
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoYes

Card One Money vs Equals Cost

Card One Money PricingEquals Pricing
Card One MoneyEquals
Free Plan?NoYes
Free Trial?NoNo
Cheapest Plan Price Per Month£12.50£0.00
Mid Plan Price Per MonthNot Applicable£50.00
Top Plan Price Per MonthCustom pricingCustom
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Card One Money vs Equals Features

Card One Money FeaturesEquals Features

Card One Money Features

Business

  • No credit checks
  • Four additional cards for business use
  • Online and mobile account with 24/7 access
  • Manage Direct Debits and standing orders
  • Instant domestic payments
  • Manage and pay bills, invoices, wages and more
  • International payments in a range of currencies
  • Full control over permissions, balances and cards
  • Export statements for your accounting software
  • Receive free text alerts whenever bills are paid
  • Load cards directly online or through the app
  • View statements and monitor business spending
  • Use fast balance to quickly check your account
  • Pay cheques in at any Barclays branch

No Mid-Tier Plan

Not Applicable

Corporate

  • No credit checks
  • Four additional cards for business use
  • Online and mobile account with 24/7 access
  • Manage Direct Debits and standing orders
  • Instant domestic payments
  • Manage and pay bills, invoices, wages and more
  • International payments in a range of currencies
  • Full control over permissions, balances and cards
  • Export statements for your accounting software
  • Receive free text alerts whenever bills are paid
  • Load cards directly online or through the app
  • View statements and monitor business spending
  • Use fast balance to quickly check your account
  • Pay cheques in at any Barclays branch
  • Prepaid cards that can pull from your balance
  • Your own dedicated account manager
  • Send payments in bulk
  • Set up multi-level approvals for payments
  • Open banking API integration
  • Multi-account view for all your brands

Card One Money Accounting Software Integrations

  • Wave
  • Xero
  • Sage
  • FreeAgent

Equals Features

Charity & Non-profit

  • Unlimited users, no monthly fees
  • £10 per physical card
  • Free virtual cards
  • Free to use in 20 major currencies
  • Cash withdrawals – £1.50

Business

  • Use up to 100 physical cards
  • Unlimited users, no monthly fees
  • £10 per physical card
  • Free virtual cards
  • Free to use in 20 major currencies
  • Cash withdrawals – £1.50

Business Plus

  • Use over 100 physical cards
  • Unlimited users, no monthly fees
  • Custom card issuance pricing
  • Custom virtual card pricing
  • Free to use in 20 major currencies

Equals Accounting Software Integrations

  • Xero

Card One Money vs Equals Features Comparison

Card One MoneyEquals
Apple Pay CompatibleNoYes
Google Pay CompatibleNoNo
Expense ClaimsNoNo
Expense ReimbursementsNoNo
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsNoYes
Approval Process ControlYesYes
Budget ControlNoYes
Expense CategorisationNoNo
Compliance ManagementNoYes
Customizable Fields NoNo
Fraud DetectionYesNo
Multi-Currency CardsYesYes
Mileage TrackingNoNo
Mobile Receipt UploadNoYes
Real Time Notifications & ReportingNoYes
Receipt ManagementNoYes
Spend ControlYesYes
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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