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Pleo vs Zempler Bank: Which Is The Better Company Expense Card?


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

Pleo 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.

Pleo HomepageZempler Bank Homepage
 

Pleo vs Zempler Bank Reviews

PleoZempler Bank
Trustpilot Review Rating 3.83.9
Number of Trustpilot Reviews5239489
iPhone App Rating3.14.7
Number of iPhone App Reviews7445700
Android App Rating3.44.6
Number of Android App Reviews33622500
Note these figures we’re taken from each company’s website and may have changed since publication

Pleo vs Zempler Bank Key Details

PleoZempler Bank
WebsiteClick Here to Visit Pleo WebsiteClick Here to Visit Zempler Bank Website
Card TypeMastercardMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesYes
Cashback Plans?YesYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Pleo vs Zempler Bank Cost

Pleo PricingZempler Bank Pricing
PleoZempler Bank
Free Plan?NoYes
Free Trial?YesNo
Cheapest Plan Price Per Month£39.00Free
Mid Plan Price Per Month£45.00Not Applicable
Top Plan Price Per Month£89.00£9.00
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Pleo vs Zempler Bank Features

Pleo FeaturesZempler Bank Features

Pleo Features

Starter

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay

Essential

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay
  • 0.5 % cashback (for eligible customers)
  • Spending limits per user or purchase
  • Spend analytics dashboard
  • Review spend per team
  • Reimburse employees with or without Pleo cards
  • Reimburse cash expenses and mileage
  • Track subscriptions and other recurring payments
  • Live chat support

Advanced

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay
  • 1 % cashback (for eligible customers)
  • Spending limits per user or purchase
  • Spend analytics dashboard
  • Review spend per team
  • Reimburse employees with or without Pleo cards
  • Reimburse cash expenses and mileage
  • Track subscriptions and other recurring payments
  • Live chat support
  • Control recurring payments with Vendor cards
  • Open API access
  • Single sign-on with SAML
  • Chat, email and phone support
  • Assisted onboarding session
  • Dedicated Customer Success Manager

Pleo Accounting Software Integrations

  • Xero
  • QuickBooks
  • Sage

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

Pleo vs Zempler Bank Features Comparison

PleoZempler Bank
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsYesNo
Expense ReimbursementsYesNo
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsNoYes
Approval Process ControlYesYes
Budget ControlYesNo
Expense CategorisationYesNo
Compliance ManagementYesYes
Customizable Fields YesNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesNo
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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