Zempler Bank 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.
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Zempler Bank vs Spenfi Reviews
| Zempler Bank | Spenfi | |
| Trustpilot Review Rating | 3.9 | 3.8 |
| Number of Trustpilot Reviews | 9489 | 2 |
| iPhone App Rating | 4.7 | No Rating |
| Number of iPhone App Reviews | 45700 | No Reviews |
| Android App Rating | 4.6 | No Rating |
| Number of Android App Reviews | 22500 | No Reviews |
Zempler Bank vs Spenfi Key Details
| Zempler Bank | Spenfi | |
| Website | Click Here to Visit Zempler Bank Website | Click Here to Visit Spenfi Website |
| Card Type | Mastercard | VISA |
| Offers Physical Cards? | Yes | Yes |
| Offers Virtual Cards? | Yes | Yes |
| Offers Prepaid Cards? | Yes | No |
| Cashback Plans? | Yes | Yes |
| Plans for Freelancers? | Yes | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | Yes | Yes |
Zempler Bank vs Spenfi Cost
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| Zempler Bank | Spenfi | |
| Free Plan? | Yes | Yes |
| Free Trial? | No | No |
| Cheapest Plan Price Per Month | Free | £199.00 |
| Mid Plan Price Per Month | Not Applicable | £399.00 |
| Top Plan Price Per Month | £9.00 | Free* |
Zempler Bank vs Spenfi Features
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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
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
Zempler Bank vs Spenfi Features Comparison
| Zempler Bank | Spenfi | |
| Apple Pay Compatible | No | Yes |
| Google Pay Compatible | No | Yes |
| Expense Claims | No | Yes |
| Expense Reimbursements | No | Yes |
| API | Yes | Yes |
| Access Controls/Permissions | Yes | No |
| Reconciliations | Yes | No |
| Approval Process Control | Yes | No |
| Budget Control | No | Yes |
| Expense Categorisation | No | No |
| Compliance Management | Yes | No |
| Customizable Fields | No | No |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | Yes |
| Mileage Tracking | No | Yes |
| Mobile Receipt Upload | Yes | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | Yes | Yes |
| Spend Control | Yes | Yes |
| Travel Management | Yes | No |
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