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


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

Zempler Bank and Finway 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.

Zempler Bank HomepageFinway Homepage
 

Zempler Bank vs Finway Reviews

Zempler BankFinway
Trustpilot Review Rating 3.9No Rating
Number of Trustpilot Reviews9489No Reviews
iPhone App Rating4.75
Number of iPhone App Reviews457001
Android App Rating4.6No Rating
Number of Android App Reviews22500No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Zempler Bank vs Finway Key Details

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

Zempler Bank vs Finway Cost

Zempler Bank PricingFinway Pricing
Zempler BankFinway
Free Plan?YesNo
Free Trial?NoYes
Cheapest Plan Price Per MonthFree£172.61
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per Month£9.00£242.01
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Zempler Bank vs Finway Features

Zempler Bank FeaturesFinway Features

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

Finway Features

Essential

  • Digital invoice processing
  • Multi-level approval processes & workflows
  • Supplier & employee rules
  • Pre-allocation and invoice split
  • Virtual & physical cards
  • Bank connectivity
  • Budgets & Reporting
  • Expense reimbursement
  • DATEV export & interface
  • Subscription Management
  • Mobile Apps
  • Google & Azure Single Sign-On
  • Personio integration

No Mid-Tier Plan

Not Applicable

Professional

  • Digital invoice processing
  • Multi-level approval processes & workflows
  • Supplier & employee rules
  • Pre-allocation and invoice split
  • Virtual & physical cards
  • Bank connectivity
  • Budgets & Reporting
  • Expense reimbursement
  • DATEV export & interface
  • Subscription Management
  • Mobile Apps
  • Google & Azure Single Sign-On
  • Personio integration
  • Travel expense management
  • Customizable CSV exports
  • Multi-client capability
  • Cost center groups
  • Customizable roles & rights

Finway Accounting Software Integrations

  • Datev

Zempler Bank vs Finway Features Comparison

Zempler BankFinway
Apple Pay CompatibleNoNo
Google Pay CompatibleNoYes
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesNo
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlNoYes
Expense CategorisationNoNo
Compliance ManagementYesYes
Customizable Fields NoYes
Fraud DetectionYesNo
Multi-Currency CardsYesYes
Mileage TrackingNoYes
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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