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Klippa vs 3S Money: Which Is The Better Company Expense Card?


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

Klippa and 3S Money 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.

Klippa Homepage3S Money Homepage
 

Klippa vs 3S Money Reviews

Klippa3S Money
Trustpilot Review Rating No Rating4.8
Number of Trustpilot ReviewsNo Rating655
iPhone App RatingNo RatingNo Rating
Number of iPhone App ReviewsNo ReviewsNo Reviews
Android App RatingNo RatingNo Rating
Number of Android App ReviewsNo ReviewsNo Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Klippa vs 3S Money Key Details

Klippa3S Money
WebsiteClick Here to Visit Klippa WebsiteClick Here to Visit 3S Money Website
Card TypeVISANo Card Provided
Offers Physical Cards?YesNo
Offers Virtual Cards?YesNo
Offers Prepaid Cards?YesNo
Cashback Plans?NoNo
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesNo

Klippa vs 3S Money Cost

Klippa Pricing3S Money Pricing
Klippa3S Money
Free Plan?NoNo
Free Trial?NoNo
Cheapest Plan Price Per Month£4.00£244.78
Mid Plan Price Per Month£5.00Not Applicable
Top Plan Price Per MonthCustomBespoke
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Klippa vs 3S Money Features

Klippa Features3S Money Features

Klippa Features

Effective

  • Submit through app, website and e-mail
  • The best OCR technology of Europe
  • Storage in the cloud
  • Use of categories, cost centers, cost units & projects
  • Reimburse travel expenses with the Google Maps integration
  • Approvals on web & app through digital workflows – From €50 per month
  • Implementation of expense policy via advanced business rules
  • Personal support via chat, e-mail and phone
  • Integration with standard bookkeeping system – From €50 per month

Premium

  • Submit through app, website and e-mail
  • The best OCR technology of Europe
  • Storage in the cloud
  • Use of categories, cost centers, cost units & projects
  • Reimburse travel expenses with the Google Maps integration
  • Approvals on web & app through digital workflows – From €50 per month
  • Implementation of expense policy via advanced business rules
  • Personal support via chat, e-mail and phone
  • Integration with standard bookkeeping system – From €50 per month
  • Automatic fraud detection
  • Dedicated account manager
  • Automatic VAT reclaim

Custom

  • Submit through app, website and e-mail
  • The best OCR technology of Europe
  • Storage in the cloud
  • Use of categories, cost centers, cost units & projects
  • Reimburse travel expenses with the Google Maps integration
  • Approvals on web & app through digital workflows – From €50 per month
  • Implementation of expense policy via advanced business rules
  • Personal support via chat, e-mail and phone
  • Integration with standard bookkeeping system – From €50 per month
  • Automatic fraud detection
  • Dedicated account manager
  • Automatic VAT reclaim
  • Match creditcard statements automatically
  • Custom connections and access to the Klippa API
  • User sync, Single sign-on and/or 2FA
  • In-app company logo
  • Custom SLA

Klippa Accounting Software Integrations

  • Quickbooks
  • Nesuite
  • Xero

3S Money Features

Standard International

  • Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses

No Mid-Tier Plan

Not Applicable

Bespoke International

  • Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds

3S Money Accounting Software Integrations

  • Xero

Klippa vs 3S Money Features Comparison

Klippa3S Money
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsYesNo
Expense ReimbursementsYesNo
APIYesYes
Access Controls/PermissionsYesNo
ReconciliationsYesNo
Approval Process ControlYesNo
Budget ControlYesNo
Expense CategorisationYesNo
Compliance ManagementYesYes
Customizable Fields YesNo
Fraud DetectionYesYes
Multi-Currency CardsNoYes
Mileage TrackingNoNo
Mobile Receipt UploadYesNo
Real Time Notifications & ReportingYesYes
Receipt ManagementYesNo
Spend ControlYesNo
Travel Management YesNo

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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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