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CaxtonFX vs Spenfi: Which Is The Better Company Expense Card?


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

CaxtonFX 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.

CaxtonFX HomepageSpenfi Homepage
 

CaxtonFX vs Spenfi Reviews

CaxtonFXSpenfi
Trustpilot Review Rating 4.83.8
Number of Trustpilot Reviews48312
iPhone App Rating2.5No Rating
Number of iPhone App Reviews273No Reviews
Android App Rating3.9No Rating
Number of Android App Reviews1110No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

CaxtonFX vs Spenfi Key Details

CaxtonFXSpenfi
WebsiteClick Here to Visit CaxtonFX WebsiteClick Here to Visit Spenfi Website
Card TypeMastercardVISA
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesNo
Cashback Plans?NoYes
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

CaxtonFX vs Spenfi Cost

CaxtonFX PricingSpenfi Pricing
CaxtonFXSpenfi
Free Plan?NoYes
Free Trial?NoNo
Cheapest Plan Price Per MonthPricing Not On Website£199.00
Mid Plan Price Per MonthNot Applicable£399.00
Top Plan Price Per MonthNot ApplicableFree*
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

CaxtonFX vs Spenfi Features

CaxtonFX FeaturesSpenfi Features

CaxtonFX Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

CaxtonFX Accounting Software Integrations

  • Xero
  • Quickbooks

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

CaxtonFX vs Spenfi Features Comparison

CaxtonFXSpenfi
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsNoNo
ReconciliationsYesNo
Approval Process ControlNoNo
Budget ControlYesYes
Expense CategorisationNoNo
Compliance ManagementYesNo
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoYes
Mobile Receipt UploadNoYes
Real Time Notifications & ReportingNoYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesNo

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