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Payhawk vs Intergiro: Which Is The Better Company Expense Card?


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

Payhawk and Intergiro 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.

Payhawk HomepageIntergiro Homepage
 

Payhawk vs Intergiro Reviews

PayhawkIntergiro
Trustpilot Review Rating 4.43.6
Number of Trustpilot Reviews214168
iPhone App Rating4.65
Number of iPhone App Reviews1334
Android App Rating4.4No Rating
Number of Android App Reviews333No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Payhawk vs Intergiro Key Details

PayhawkIntergiro
WebsiteClick Here to Visit Payhawk WebsiteClick Here to Visit Intergiro Website
Card TypeVISAMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?NoYes
Cashback Plans?YesNo
Plans for Freelancers?NoNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Payhawk vs Intergiro Cost

Payhawk PricingIntergiro Pricing
PayhawkIntergiro
Free Plan?NoNo
Free Trial?NoNo
Cheapest Plan Price Per MonthPricing Not On Website£16.49
Mid Plan Price Per MonthPricing Not On Website£42.53
Top Plan Price Per MonthPricing Not On WebsiteCustom
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Payhawk vs Intergiro Features

Payhawk FeaturesIntergiro Features

Payhawk Features

Premium Cards

  • Physical and virtual credit and debit cards
  • One-click card issuance and card freezing
  • Up to 6x better exchange rates than banks
  • EUR and GBP accounts
  • Apple Pay
  • Google Pay

All-In-One Spend

  • Physical and virtual credit and debit cards
  • One-click card issuance and card freezing
  • Up to 6x better exchange rates than banks
  • EUR and GBP accounts
  • Apple Pay
  • Google Pay
  • Local invoice payments and reimbursements
  • Pre-accounting OCR in 60+ languages
  • Free transfers within SEPA and the UK
  • Smart inbox for receipts attachment
  • Bulk payments with ‘four eyes’ approval
  • Supplier management
  • Out-of-pocket cash management for employees without cards

Enterprise

  • Physical and virtual credit and debit cards
  • One-click card issuance and card freezing
  • Up to 6x better exchange rates than banks
  • EUR and GBP accounts
  • Apple Pay
  • Google Pay
  • Local invoice payments and reimbursements
  • Pre-accounting OCR in 60+ languages
  • Free transfers within SEPA and the UK
  • Smart inbox for receipts attachment
  • Bulk payments with ‘four eyes’ approval
  • Supplier management
  • Out-of-pocket cash management for employees without cards
  • International invoice payments and reimbursements
  • Group spend dashboard and workflows
  • ERP integration to NetSuite, and Microsoft Dynamics
  • Single sign-on with SAML
  • Customer Success Specialist
  • Online onboarding session
  • Success-based onboarding flow

Payhawk Accounting Software Integrations

  • Xero
  • QuickBooks
  • Datev
  • Exact Online

Intergiro Features

Starter

  • Highly-acclaimed customer support via email and chat
  • Business banking API
  • EURO IBAN (SEPA)
  • Multi-currency IBAN (SWIFT)
  • Hold and convert balances in USD GBP, SEK, NOK, DKK, PLN, AUD, EUR
  • Virtual and physical cards for business expenses
  • Inbound Euro payments (via SEPA) – Free
  • Outbound Euro payments (via SEPA) – 25x / month or 10,000€ / month
  • International payments (inbound / outbound via SWIFT) – €20 per transaction
  • Outbound local payments in USD, GBP, SEK, DKK, NOK, PLN, AUD – 2€

Growth

  • Highly-acclaimed customer support via email and chat
  • Business banking API
  • EURO IBAN (SEPA)
  • Multi-currency IBAN (SWIFT)
  • Hold and convert balances in USD GBP, SEK, NOK, DKK, PLN, AUD, EUR
  • Virtual and physical cards for business expenses
  • Inbound Euro payments (via SEPA) – Free
  • Outbound Euro payments (via SEPA) – No thresholds
  • International payments (inbound / outbound via SWIFT) – €10 per transaction
  • Outbound local payments in USD, GBP, SEK, DKK, NOK, PLN, AUD – €1

Enterprise

  • Highly-acclaimed customer support via email and chat
  • Business banking API
  • EURO IBAN (SEPA)
  • Multi-currency IBAN (SWIFT)
  • Hold and convert balances in USD GBP, SEK, NOK, DKK, PLN, AUD, EUR
  • Virtual and physical cards for business expenses
  • Inbound Euro payments (via SEPA) – Customised
  • Outbound Euro payments (via SEPA) – Customised
  • International payments (inbound / outbound via SWIFT) – Customised
  • Outbound local payments in USD, GBP, SEK, DKK, NOK, PLN, AUD – Customised

Intergiro Accounting Software Integrations

Not Listed

Payhawk vs Intergiro Features Comparison

PayhawkIntergiro
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsYesNo
Expense ReimbursementsYesNo
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesNo
Budget ControlYesNo
Expense CategorisationYesNo
Compliance ManagementYesYes
Customizable Fields YesNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesNo
Mobile Receipt UploadYesNo
Real Time Notifications & ReportingYesYes
Receipt ManagementYesNo
Spend ControlYesYes
Travel Management YesYes

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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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