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


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

Payhawk and Silverbird 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 HomepageSilverbird Homepage
 

Payhawk vs Silverbird Reviews

PayhawkSilverbird
Trustpilot Review Rating 4.44.5
Number of Trustpilot Reviews21458
iPhone App Rating4.6No Rating
Number of iPhone App Reviews133No Reviews
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 Silverbird Key Details

PayhawkSilverbird
WebsiteClick Here to Visit Payhawk WebsiteClick Here to Visit Silverbird Website
Card TypeVISANo Card Provided
Offers Physical Cards?YesNo
Offers Virtual Cards?YesNo
Offers Prepaid Cards?NoNo
Cashback Plans?YesNo
Plans for Freelancers?NoNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesNo

Payhawk vs Silverbird Cost

Payhawk PricingSilverbird Pricing
PayhawkSilverbird
Free Plan?NoYes
Free Trial?NoYes
Cheapest Plan Price Per MonthPricing Not On WebsitePricing Not On Website
Mid Plan Price Per MonthPricing Not On WebsiteNot Applicable
Top Plan Price Per MonthPricing Not On WebsiteNot Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Payhawk vs Silverbird Features

Payhawk FeaturesSilverbird 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

Silverbird Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Silverbird Accounting Software Integrations

Not Listed

Payhawk vs Silverbird Features Comparison

PayhawkSilverbird
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsYesNo
Expense ReimbursementsYesNo
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesNo
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 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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