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Spendesk vs Navan: Which Is The Better Company Expense Card?


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

Spendesk and Navan 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.

Spendesk HomepageNavan Homepage
 

Spendesk vs Navan Reviews

SpendeskNavan
Trustpilot Review Rating 4.32.8
Number of Trustpilot Reviews573
iPhone App Rating4.73.9
Number of iPhone App Reviews721121
Android App Rating4.54.1
Number of Android App Reviews10204600
Note these figures we’re taken from each company’s website and may have changed since publication

Spendesk vs Navan Key Details

SpendeskNavan
WebsiteClick Here to Visit Spendesk WebsiteClick Here to Visit Navan Website
Card TypeMastercardVISA
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesNo
Cashback Plans?YesNo
Plans for Freelancers?YesNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Spendesk vs Navan Cost

Spendesk PricingNavan Pricing
SpendeskNavan
Free Plan?YesNo
Free Trial?NoNo
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.

Spendesk vs Navan Features

Spendesk FeaturesNavan Features

Spendesk Features

Essentials

  • Unlimited virtual and physical cards
  • Automated & customizable bookkeeping
  • End to end invoice management
  • Expense tracking & reimbursement
  • Spend dashboards
  • Basic accounting integrations
  • Transactions: 100/month
  • Multi entity management: 3 (for a fee)

Scale

  • Purchase order tracking
  • HR and travel integrations
  • Budgets and sub-budgets
  • Dedicated account manager
  • Assisted set-up with onboarding manager
  • Transactions: 100/month
  • Multi entity management: 5 (for a fee)

Premium

  • Enterprise accounting integrations
  • Machine learning automation
  • Transactions: 500/month
  • Unlimited entity management

Spendesk Accounting Software Integrations

  • Xero
  • NetSuite
  • Quickbooks
  • Sage
  • Datev

Navan Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

Navan Accounting Software Integrations

  • QuickBooks
  • NetSuite
  • Xero
  • Sage

Spendesk vs Navan Features Comparison

SpendeskNavan
Apple Pay CompatibleNoNo
Google Pay CompatibleNoNo
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlYesYes
Expense CategorisationYesNo
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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