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Rydoo vs 3S Money: Which Is The Better Company Expense Card?


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

Rydoo and 3S Money 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.

Rydoo Homepage3S Money Homepage
 

Rydoo vs 3S Money Reviews

Rydoo3S Money
Trustpilot Review Rating 2.74.8
Number of Trustpilot Reviews4655
iPhone App Rating4.9No Rating
Number of iPhone App Reviews636No Reviews
Android App Rating4.7No Rating
Number of Android App Reviews3950No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Rydoo vs 3S Money Key Details

Rydoo3S Money
WebsiteClick Here to Visit Rydoo WebsiteClick Here to Visit 3S Money Website
Card TypeVISANo Card Provided
Offers Physical Cards?YesNo
Offers Virtual Cards?YesNo
Offers Prepaid Cards?YesNo
Cashback Plans?NoNo
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesNo

Rydoo vs 3S Money Cost

Rydoo Pricing3S Money Pricing
Rydoo3S Money
Free Plan?NoNo
Free Trial?YesNo
Cheapest Plan Price Per Month£7.00£244.78
Mid Plan Price Per Month£9.00Not Applicable
Top Plan Price Per MonthCustom pricingBespoke
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Rydoo vs 3S Money Features

Rydoo Features3S Money Features

Rydoo Features

Essentials

  • Mobile app with receipt scanner
  • Unlimited expenses
  • Mileage expenses
  • Basic integrations
  • Single approval flow
  • Local Legal & tax compliance
  • PDF/ Excel exports
  • Multi-country certified paperless expensing

Pro

  • Mobile app with receipt scanner
  • Unlimited expenses
  • Mileage expenses
  • Basic integrations
  • Single approval flow
  • Local Legal & tax compliance
  • PDF/ Excel exports
  • Multi-country certified paperless expensing
  • Per diems / daily allowances
  • Online accounting integrations
  • Automated transaction reconciliation
  • Customisable policies & rules
  • Multilevel approval flow
  • Customisable input fields
  • Custom bank transactions feed
  • Multi-country local compliance

Enterprise

  • Mobile app with receipt scanner
  • Unlimited expenses
  • Mileage expenses
  • Basic integrations
  • Single approval flow
  • Local Legal & tax compliance
  • PDF/ Excel exports
  • Multi-country certified paperless expensing
  • Per diems / daily allowances
  • Online accounting integrations
  • Automated transaction reconciliation
  • Customisable policies & rules
  • Multilevel approval flow
  • Customisable input fields
  • Custom bank transactions feed
  • Multi-country local compliance
  • SFTP Exports
  • API access (SAP, Oracle)
  • Ticket support service
  • Advanced approval workflows
  • Advanced Custom fields
  • Insights Management Dashboard
  • SAML Single Sign On (SSO)
  • HR connect

Rydoo Accounting Software Integrations

  • Xero
  • QuickBooks
  • Datev
  • Exact Online
  • Sage

3S Money Features

Standard International

  • Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses

No Mid-Tier Plan

Not Applicable

Bespoke International

  • Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds

3S Money Accounting Software Integrations

  • Xero

Rydoo vs 3S Money Features Comparison

Rydoo3S Money
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsYesNo
Expense ReimbursementsYesNo
APIYesYes
Access Controls/PermissionsYesNo
ReconciliationsYesNo
Approval Process ControlYesNo
Budget ControlYesNo
Expense CategorisationNoNo
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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