Mobilexpense vs Pleo (2026): which should you pick?

Pick Mobilexpense if

• Fits if you have 20 or more people to reimburse across Europe
• Works for finance teams that need VAT and local compliance on expenses

Look elsewhere if

• Skip it if your team is under 20, because both products have a 20-user minimum
• Pricey if you add features: per diems, variable mileage, CO2 tracking and ERP links are add-ons
• Watch out: corporate credit cards cost from €4 per user a month on top of the licence
• Watch out: the page does not say whether €8 is billed monthly or yearly, and names no app platforms

Pick Pleo if

• Fits if you want every employee to have their own card with their own limit
• Works for European teams with staff spending in several countries

Look elsewhere if

• Skip it if you want to try before paying, as there's no free plan or trial shown
• Pricey if you're 1 or 2 people, since you pay for at least 3 users
• Tight if your team spends in other currencies a lot, with a 1.75% FX fee on Build
• Watch out: direct reimbursements cost 0.90% each, and the US card is prepaid with no cash access
• Too light for paying supplier bills, which aren't among its features

Mobilexpense

• Both products have a minimum of 20 users, and the page says some features are priced separately.
• Multi-level projects, variable mileage, per diems, CO2 tracking and ERP and HR integrations are add-ons.
• The page does not say whether the €8 is billed monthly or yearly, and it lists mobile and desktop apps without naming the platforms.
• Credit cards cost from €4 per user per month on top of the licence.

Pleo

• Card and invoice payments in another currency carry a 1.75% FX fee on Build and 1.49% on Optimise, and direct reimbursements cost 0.90% each.
• Build and Optimise need at least 3 users; no free plan or free trial is shown on the US pricing page.
• In the US the Pleo card is a prepaid Mastercard issued by Pathward, N.A., with no cash access.
• Pleo works in 16 European countries, including Denmark, the UK, Germany, France and Spain, as well as the US.

Mobilexpense

Receipt capture with OCR

Expenses are submitted through the app or the web with an OCR receipt scanner, in multiple currencies, with categories that carry codes and rules.

Approval workflows and policies

Workflows come from templates or are built custom, with user groups, business rules for company policy and an assistant or deputy function on MXP.

Mileage and per diems

Standard mileage rates are included, while variable mileage rates and per diem or daily allowance rules are listed as add-ons.

Corporate credit cards

Mobilexpense credit cards start at €4 per user per month, and existing bank cards can be connected for automatic transaction import.

VAT and local compliance

Country-specific VAT rules apply automatically, and MXP lists compliance for GoBD, Spanish homologation and URSSAF alongside coverage in 100+ countries.

ERP and HR links

ERP connections include QuickBooks Online, Exact Globe, SAP and Microsoft Dynamics; HR links include BambooHR, ADP and HiBob.

Pleo

Company cards for each employee

Physical and virtual Pleo cards with Google Pay and Apple Pay, with individual, per-purchase and temporary spending limits.

Receipt capture

The app asks for a receipt after every card purchase, reads it with OCR, and the Fetch feature pulls online receipts from email automatically.

Out-of-pocket and mileage

Employees claim their own spending and mileage in the app, approvals follow company policy, and reimbursements are paid directly.

AI spend checks

AI spend guidelines on every plan, and AI expense reviews on Optimise (100 a month) or unlimited on Lead.

Vendor tracking

Recurring vendors and subscriptions are tracked, with renewal management and spending insights on Optimise.

Accounting exports

Auto-categorized expenses with custom categories and tags export to Xero, QuickBooks and other accounting systems.

Mobilexpense

• Mobilexpense Declaree€8

  per user / month, minimum 20 users

  Expenses in Europe: OCR receipts, rules and workflows, VAT handling, mileage and 7 languages. Some features priced separately.

• Mobilexpense MXPCustom

  Global expenses with compliance in 100+ countries, multi-entity management, SSO and multi-currency. Minimum 20 users.

Pleo

• Build$12

  per user / month, billed yearly ($14 billed monthly)

  For 1 to 49 employees, 3-user minimum. Physical and virtual cards, receipt capture, reimbursements, mileage, approvals and AI spend guidelines.

• Optimise$16

  per user / month, billed yearly ($18 billed monthly)

  3-user minimum. Adds cashback for eligible customers, budgets, 100 AI expense reviews a month, HR integrations, vendor insights and live chat.

• Scale$249

  per month and up

  For 50 to 1,000 employees. Adds multi-entity management, advanced card controls and approvals, assisted onboarding and a success manager.

• Lead$499

  per month and up

  Adds unlimited reimbursement users with no reimbursement fees, unlimited virtual cards and AI reviews, premium integrations and purchase orders.

• EnterpriseCustom

  For companies of 1,000 or more employees, built and priced after a call with Pleo.

Mobilexpense

No public discounts listed.

Pleo

• Annual discount

  Save $2 a user each month with yearly billing

  Build costs $12 per user a month billed yearly instead of $14 monthly, and Optimise $16 instead of $18.