Mooncard vs Spendesk (2026): which should you pick?
As of Nov 13, 2026, Spendesk grades higher than Mooncard: 2.2 against 1.8 out of 4.0.
Checked Oct 18, 2026 and Nov 13, 2026 · graded Oct 18, 2026 and Nov 13, 2026 by ToolGPA
Spendesk grades higher on features and ease of use. They get the same grade on value for money, the free plan and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Mooncard
Company payment cards with expense reports and accounting exports
Paid
Spendesk
Spend management with unlimited cards and users, priced by quote
Paid
Which one is for you
Pick Mooncard if
- Fits if you run a company in France that wants cards and receipts in one tool
- Works for finance teams that hand accounts to Sage, Cegid or SAP
Look elsewhere if
- Skip it if you want a posted price, since both packages are quoted after a demo
- Pricey if you want a card that costs nothing to issue, as the page states 10 euros a card
- Watch out: custom approval flows and duplicate detection are options on both packages
- Watch out: Flying Blue cards show 1.5% or 3% load fees, and the site is French with an English switch
Pick Spendesk if
- Fits if you want unlimited cards and users without paying per head
- Works for finance teams in the EEA, the UK or the US that want receipts collected for them
Look elsewhere if
- Skip it if you want to see a price before you talk to sales
- Not for you if you want a free plan or a trial to poke around in first
- Tight if supplier invoices matter, since accounts payable is a paid add-on
- Watch out: each card purchase, invoice payment and expense claim carries a variable fee on top
- Watch out: procurement, advanced workflows, HR and ERP links and AI fraud checks are all add-ons
How we grade them
| 1.8GPAMooncardWeak | 2.2GPASpendeskFair | |
|---|---|---|
| Value for money | CNo subscription price is published; Original and Hub are quoted after a demo. The pricing page does show a 10 euro card issuance fee and a 0% load fee. | CNo price is published, so it sits in the middle by our rule. Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims, so there's no monthly figure for a ten-person company. |
| Free plan and trial | FNothing free and no trial on the listing; both packages go through a demo request. | FNothing free. There's no free plan or published free trial, only a demo and a product tour. |
| Features | CPhysical and virtual cards, spending rules, receipt capture, accounting, mileage and multi-entity reporting. Custom approval flows and duplicate detection are options on both packages. | BThe whole job: unlimited cards of four kinds, receipt rules and OCR, expense claims, live budgets, multi-entity reporting, an open API and an MCP connector, with accounts payable and procurement sold as add-ons. |
| Ease of use | CNo store rating on record. The accounting engine and links to Sage, Cegid or SAP need setting up first. | B4.7 from 637 App Store ratings, high but short of the 1,000 we want for the top band. Receipt reminders run themselves once the rules are set. |
| Platforms and integrations | BWeb, iOS and Android with a list of accounting and ERP integrations. No desktop app. | BWeb, iPhone and Android, with Xero, QuickBooks, DATEV, Slack and an open API. No desktop app is listed, and HR and ERP integrations are an add-on. |
| Best for | company cards with built-in receipts and accounting | unlimited cards and users for one quoted fee |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Mooncard and Spendesk. How we grade
Where they differ
- Mooncard also covers reports.
- Spendesk also covers bill pay.
In commonWebiOSAndroidExpense trackingCompany cards
At a glance
| Mooncard | Spendesk | |
|---|---|---|
| Pricing | Paid | Paid |
| Starts at | Not published | Not published |
| Free plan | None | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Moongroup | Spendesk |
| Price read from | Not confirmed | Not confirmed |
| Checked | Nov 13, 2026 | Oct 18, 2026 |
Worth knowing
Mooncard
- No prices are published; both packages, Original and Hub, are quoted after a demo request.
- The pricing page states a card issuance fee of 10 euros and a 0% load fee; Flying Blue cards show 1.5% or 3%.
- Several controls, including custom approval flows and duplicate detection, are marked as options on both packages.
- The site is in French, with an English switch; the Visa card is issued by Paynovate, according to its legal notice.
Spendesk
- No prices are published: Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims.
- Procurement, accounts payable, advanced workflows, HR and ERP integrations and AI fraud detection are add-ons to the base package.
- It serves the EEA, the UK and the US; payments and Visa debit cards come from Spendesk Financial Services, Adyen and Sutton Bank respectively.
- There is no free plan or published free trial; Spendesk offers a demo and a product tour instead.
Key features
Mooncard
- Physical and virtual Visa cards
- The pricing page lists physical Visa cards, recurring or single-use virtual cards, Apple Pay and Google Pay, 3D Secure and cash withdrawals at ATMs.
- Spending rules
- Limits can be set per employee, per purchase and per period, with rules by hours, days, merchant type and expense type, plus alerts when a limit is passed.
- Receipt capture
- SMS and push notifications ask the cardholder for the receipt, and OCR reads the details. Cards can be blocked automatically while receipts are missing, as an option.
- Accounting engine
- Expense categories, VAT codes and export templates are configurable, with bank reconciliation, evidential archiving and exports to accounting software.
- Expense reports and mileage
- Expense report entry and mileage allowances are listed as options on both packages, alongside approval workflows and duplicate detection.
- Multi-entity reporting
- The Hub package adds management and reporting across several legal entities, with five seats per entity and preferential pricing for entities.
Spendesk
- Unlimited cards
- Physical cards for employees, single-use cards for one-off payments, recurring virtual cards for subscriptions and multi-use cards for projects or events.
- Receipt collection
- Custom rules and automatic reminders chase receipts, OCR reads them, and they are matched to the right card payment straight away.
- Expense claims
- Out-of-pocket expenses are submitted, reimbursed and tracked alongside card spending.
- Budgets
- Track spending against budgets in real time, with multi-entity workflows and reporting in the base package.
- Accounts payable add-on
- Manage supplier invoices and pay suppliers worldwide in the right currency, with procurement as a separate add-on.
- Integrations and API
- Connects to Xero, QuickBooks, DATEV and Slack, offers an open API, and links spend data to AI assistants through an MCP connector.
Plans
Mooncard
Pricing could not be confirmed. See mooncard.co.
Spendesk
Pricing could not be confirmed. See spendesk.com.
Common questions
Which is cheaper, Mooncard or Spendesk?
As of Nov 13, 2026, Mooncard has no price we could confirm, and Spendesk has no price we could confirm.
Which has a free plan, Mooncard or Spendesk?
As of Nov 13, 2026, neither Mooncard nor Spendesk has a free plan.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.