Payhawk and Zempler Bank 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 vs Zempler Bank Reviews
| Payhawk | Zempler Bank | |
| Trustpilot Review Rating | 4.4 | 3.9 |
| Number of Trustpilot Reviews | 214 | 9489 |
| iPhone App Rating | 4.6 | 4.7 |
| Number of iPhone App Reviews | 133 | 45700 |
| Android App Rating | 4.4 | 4.6 |
| Number of Android App Reviews | 333 | 22500 |
Payhawk vs Zempler Bank Key Details
| Payhawk | Zempler Bank | |
| Website | Click Here to Visit Payhawk Website | Click Here to Visit Zempler Bank Website |
| Card Type | VISA | Mastercard |
| Offers Physical Cards? | Yes | Yes |
| Offers Virtual Cards? | Yes | Yes |
| Offers Prepaid Cards? | No | Yes |
| Cashback Plans? | Yes | Yes |
| Plans for Freelancers? | No | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | Yes | Yes |
Payhawk vs Zempler Bank Cost
 |  |
| Payhawk | Zempler Bank | |
| Free Plan? | No | Yes |
| Free Trial? | No | No |
| Cheapest Plan Price Per Month | Pricing Not On Website | Free |
| Mid Plan Price Per Month | Pricing Not On Website | Not Applicable |
| Top Plan Price Per Month | Pricing Not On Website | £9.00 |
Payhawk vs Zempler Bank 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
Zempler Bank Features
Go
- Card issuing fee-Contactless Mastercard
- Payments & transfers-Sending money
- Payments & transfers-Receiving money
- Cash deposits-At any UK Post Office*
- UK ATM withdrawals-Terms apply*
- ATM withdrawals abroad-Terms apply*
- Additional cards-Up to 20 cards
- Accounting integrations-Inc. Xero, Quickbooks & Sage
- Create invoices-To make payments easier
- Spending reports-Categorise spending automatically
- Export statements-PDF or CSV format
- UK phone support-Liverpool based
No Mid-Tier Plan
Not Applicable
Extra
- Card issuing fee-Contactless Mastercard
- Payments & transfers-Sending money
- Payments & transfers-Receiving money
- Cash deposits-At any UK Post Office*
- UK ATM withdrawals-Terms apply*
- ATM withdrawals abroad-Terms apply*
- Additional cards-Up to 20 cards
- Cashback-On your card spend**
- Creditbuilder-Improve your credit score
- Accounting integrations-Inc. Xero, Quickbooks & Sage
- Create invoices-To make payments easier
- Spending reports-Categorise spending automatically
- Export statements-PDF or CSV format
- UK phone support-Liverpool based
Zempler Bank Accounting Software Integrations
- Xero
- Quickbooks
- Sage
Payhawk vs Zempler Bank Features Comparison
| Payhawk | Zempler Bank | |
| Apple Pay Compatible | Yes | No |
| Google Pay Compatible | Yes | No |
| Expense Claims | Yes | No |
| Expense Reimbursements | Yes | No |
| API | Yes | Yes |
| Access Controls/Permissions | Yes | Yes |
| Reconciliations | Yes | Yes |
| Approval Process Control | Yes | Yes |
| Budget Control | Yes | No |
| Expense Categorisation | Yes | No |
| Compliance Management | Yes | Yes |
| Customizable Fields | Yes | No |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | Yes |
| Mileage Tracking | Yes | No |
| Mobile Receipt Upload | Yes | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | Yes | Yes |
| Spend Control | Yes | Yes |
| Travel Management | Yes | Yes |
More Comparisons
Payhawk vs Expend
Payhawk vs Zoho Expense
Payhawk vs Rydoo
Payhawk vs Amaiz
Payhawk vs B4B Payments