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Expend vs Spendesk: Which Is The Better Company Expense Card?


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

Expend 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.

Expend HomepageSpendesk Homepage
 

Expend vs Spendesk Reviews

ExpendSpendesk
Trustpilot Review Rating 4.64.3
Number of Trustpilot Reviews20957
iPhone App Rating4.44.7
Number of iPhone App Reviews14721
Android App Rating3.64.5
Number of Android App Reviews151020
Note these figures we’re taken from each company’s website and may have changed since publication

Expend vs Spendesk Key Details

ExpendSpendesk
WebsiteClick Here to Visit Expend WebsiteClick Here to Visit Spendesk Website
Card TypeMastercardMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesYes
Cashback Plans?NoYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Expend vs Spendesk Cost

Expend PricingSpendesk Pricing
ExpendSpendesk
Free Plan?NoYes
Free Trial?YesNo
Cheapest Plan Price Per Month£9.99Pricing Not On Website
Mid Plan Price Per MonthNot ApplicablePricing Not On Website
Top Plan Price Per Month£12.99Pricing Not On Website
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Expend vs Spendesk Features

Expend FeaturesSpendesk Features

Expend Features

Expend Essential

  • First 30 days free
  • Free Expend Mastercard (optional) with budget controls
  • Intuitive mobile app with instant notifications
  • Manage petty cash, out-of-pocket expense claims and third party cards
  • Mileage tracking with automatic VAT calculation
  • Expend Extract – instant data extraction from receipts
  • Organise employees into Teams for easier expense approvals
  • ‘Approve on the Move’ reviewing employee expenses in the mobile app
  • Auto-chase missing expense receipts
  • Invoice management with automated document collection
  • Real-time insight and analytics of company wide spending
  • Invite your accountant to view company wide spending for reporting purposes
  • Securely sync expense data to your accounting software
  • Dedicated Account Manager with custom onboarding and training
  • Live chat, email and phone support
  • No credit checks
  • Unlimited users

No Mid-Tier Plan

Not Applicable

Expend Explorer

  • First 30 days free
  • Free Expend Mastercard (optional) with budget controls
  • Intuitive mobile app with instant notifications
  • Manage petty cash, out-of-pocket expense claims and third party cards
  • Mileage tracking with automatic VAT calculation
  • Expend Extract – instant data extraction from receipts
  • Organise employees into Teams for easier expense approvals
  • ‘Approve on the Move’ reviewing employee expenses in the mobile app
  • Auto-chase missing expense receipts
  • Invoice management with automated document collection
  • Real-time insight and analytics of company wide spending
  • Invite your accountant to view company wide spending for reporting purposes
  • Securely sync expense data to your accounting software
  • Live chat, email and phone support
  • No credit checks
  • Unlimited users
  • 0% FX for Expend card users
  • Dedicated Account Manager and Customer Success Manager
  • Personalised on-boarding sessions and 121 training available

Expend Accounting Software Integrations

  • Xero
  • NetSuite
  • Quickbooks
  • Sage
  • FreeAgent

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

Expend vs Spendesk Features Comparison

ExpendSpendesk
Apple Pay CompatibleNoNo
Google Pay CompatibleNoNo
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APINoYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlYesYes
Expense CategorisationYesYes
Compliance ManagementYesYes
Customizable Fields NoYes
Fraud DetectionNoYes
Multi-Currency CardsYesYes
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

More Comparisons

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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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