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


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

Spendesk and Spenfi 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 HomepageSpenfi Homepage
 

Spendesk vs Spenfi Reviews

SpendeskSpenfi
Trustpilot Review Rating 4.33.8
Number of Trustpilot Reviews572
iPhone App Rating4.7No Rating
Number of iPhone App Reviews721No Reviews
Android App Rating4.5No Rating
Number of Android App Reviews1020No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Spendesk vs Spenfi Key Details

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

Spendesk vs Spenfi Cost

Spendesk PricingSpenfi Pricing
SpendeskSpenfi
Free Plan?YesYes
Free Trial?NoNo
Cheapest Plan Price Per MonthPricing Not On Website£199.00
Mid Plan Price Per MonthPricing Not On Website£399.00
Top Plan Price Per MonthPricing Not On WebsiteFree*
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Spendesk vs Spenfi Features

Spendesk FeaturesSpenfi 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

Spenfi Features

Cards

  • Virtual and physical Visa cards
  • EUR, GBP & USD accounts
  • Streamlined expense management
  • Invoices, receipts & purchase orders management
  • Smart subscriptions management
  • Connect 2500+ bank accounts
  • Apple Pay, Google Pay

Enterprise

  • Virtual and physical Visa cards
  • EUR, GBP & USD accounts
  • Streamlined expense management
  • Invoices, receipts & purchase orders management
  • Smart subscriptions management
  • Connect 2500+ bank accounts
  • Apple Pay, Google Pay
  • Pre-accounting OCR in 60+ languages
  • Bulk payments
  • Reimbursements management
  • Smart inbox for receiving documents
  • Supplier management
  • Customer Success Specialist

Custom

  • Virtual and physical Visa cards
  • EUR, GBP & USD accounts
  • Streamlined expense management
  • Invoices, receipts & purchase orders management
  • Smart subscriptions management
  • Connect 2500+ bank accounts
  • Apple Pay, Google Pay
  • Pre-accounting OCR in 60+ languages
  • Bulk payments
  • Reimbursements management
  • Smart inbox for receiving documents
  • Supplier management
  • Customer Success Specialist
  • Multi-entity management
  • Custom Integrations and APIs
  • Dedicated 24/7 Customer Success Specialist
  • Online onboarding sessions

Spenfi Accounting Software Integrations

  • Xero
  • Quickbooks
  • Datev
  • Exact Online

Spendesk vs Spenfi Features Comparison

SpendeskSpenfi
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesNo
ReconciliationsYesNo
Approval Process ControlYesNo
Budget ControlYesYes
Expense CategorisationYesNo
Compliance ManagementYesNo
Customizable Fields YesNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
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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