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Expense On Demand vs Spenfi: Which Is The Better Company Expense Card?


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

Expense On Demand 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.

Expense On Demand HomepageSpenfi Homepage
 

Expense On Demand vs Spenfi Reviews

Expense On DemandSpenfi
Trustpilot Review Rating No Rating3.8
Number of Trustpilot ReviewsNo Reviews2
iPhone App Rating4.4No Rating
Number of iPhone App Reviews127No Reviews
Android App Rating3.7No Rating
Number of Android App Reviews569No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Expense On Demand vs Spenfi Key Details

Expense On DemandSpenfi
WebsiteClick Here to Visit Expense On Demand WebsiteClick Here to Visit Spenfi Website
Card TypeNo Card ProvidedVISA
Offers Physical Cards?NoYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?NoNo
Cashback Plans?NoYes
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Expense On Demand vs Spenfi Cost

Expense On Demand PricingSpenfi Pricing
Expense On DemandSpenfi
Free Plan?NoYes
Free Trial?YesNo
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.

Expense On Demand vs Spenfi Features

Expense On Demand FeaturesSpenfi Features

Expense On Demand Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Expense On Demand Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

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

Expense On Demand vs Spenfi Features Comparison

Expense On DemandSpenfi
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesNo
ReconciliationsYesNo
Approval Process ControlYesNo
Budget ControlYesYes
Expense CategorisationYesNo
Compliance ManagementYesNo
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingNoYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesNo

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