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


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

Payhawk and Mobile Expense 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 HomepageMobile Expense Homepage
 

Payhawk vs Mobile Expense Reviews

PayhawkMobile Expense
Trustpilot Review Rating 4.4No Rating
Number of Trustpilot Reviews214No Reviews
iPhone App Rating4.64.6
Number of iPhone App Reviews1331000
Android App Rating4.44.4
Number of Android App Reviews3332960
Note these figures we’re taken from each company’s website and may have changed since publication

Payhawk vs Mobile Expense Key Details

PayhawkMobile Expense
WebsiteClick Here to Visit Payhawk WebsiteClick Here to Visit Mobile Expense Website
Card TypeVISAVISA
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?NoYes
Cashback Plans?YesNo
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Payhawk vs Mobile Expense Cost

Payhawk PricingMobile Expense Pricing
PayhawkMobile Expense
Free Plan?NoNo
Free Trial?NoNo
Cheapest Plan Price Per MonthPricing Not On Website£6.10
Mid Plan Price Per MonthPricing Not On Website£8.71
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 Mobile Expense Features

Payhawk FeaturesMobile Expense 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

Mobile Expense Features

LOCAL

  • Local compliance
  • GDPR compliant
  • Mobile & desktop apps
  • Company cards
  • Automated rules & workflows
  • Available in 7 languages

EUROPE

  • EU-wide compliance (GoBD, ES homologation, URSSAF, etc.)
  • Tailored expense policies
  • Personalised support
  • Automated exchange rates

GLOBAL

  • Global compliance in 70+ countries
  • Multi-entity management
  • Assistant / deputy function
  • Single Sign On
  • Policy-driven workflows
  • Multi-currency

Mobile Expense Accounting Software Integrations

  • DATEV
  • Exact
  • Sage
  • Twinfield

Payhawk vs Mobile Expense Features Comparison

PayhawkMobile Expense
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlYesNo
Expense CategorisationYesYes
Compliance ManagementYesYes
Customizable Fields YesYes
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
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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