# Spendesk > Spend management with unlimited cards and users, priced by quote Spendesk gives a company unlimited physical and virtual Visa debit cards, collects and reads receipts automatically, and handles expense claims and budgets in one place. Procurement, supplier invoice payments, advanced approval workflows and multi-entity management are sold as add-ons. Pricing is a fixed monthly platform fee plus fees based on how many transactions a team makes, quoted by sales. - **Category:** Spend & Bill Pay - **Made by:** Spendesk - **Website:** https://www.spendesk.com - **Runs on:** Web, iOS, Android - **Facts last checked:** Oct 18, 2026 ## Pricing Spendesk's current pricing could not be confirmed from its own site. ## Key features - **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. ## Good for - European companies that want unlimited cards and users for one fee - Finance teams that want receipt collection enforced automatically - Businesses paying many software subscriptions by card ## Worth knowing - 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. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Oct 18, 2026. Spendesk gives a company unlimited physical and virtual Visa debit cards, chases and reads receipts, and handles expense claims and budgets in one place, with no fee per user. Supplier invoices, procurement and advanced approvals are add-ons. You can't see a price without talking to sales, and there's no free plan or trial. - **Value for money: C.** No 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: F.** Nothing free. There's no free plan or published free trial, only a demo and a product tour. - **Features: B.** The 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: B.** 4.7 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: B.** Web, 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. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Spendesk's own pages on 18 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews. ## Where it stands among spend and bill pay tools - Spendesk's GPA of 2.2 is higher than 1 of the 13 other spend and bill pay tools we grade, and level with 1. - It stands best on features (B, above 8 of 13) and worst on free plan and trial (F, above 0). The category's chart of price against score: https://toolgpa.com/charts/expenses ## Keep it, or make your own? **Keep it.** To replace Spendesk you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 11 of the 13 other spend and bill pay tools grade higher. - You could make: Expense tracking: an app builder makes this well. - You could not: Cards issued through a bank. - You could not: Money moved between bank accounts, which takes a licensed payments partner. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: It plugs into other products, Xero, QuickBooks and DATEV among them, and has an API. - You could not: AI features, unless you pay a model provider for each request yourself. - You could not: The depth: we grade its features B, which means it covers the whole job. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## What people say - **App Store rating of the iPhone and iPad app:** 4.7 out of 5 from 637 ratings in the United States, read Oct 18, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1189271166 ## Works with Xero, QuickBooks, DATEV, Slack **Tags:** Company cards, Expense tracking, Bill pay, AI features, Public API ## Alternatives - [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/pleo-vs-spendesk) - [Rydoo](https://toolgpa.com/tools/rydoo): Expense reports with an AI receipt scanner and multi-country rules. [Compare](https://toolgpa.com/compare/rydoo-vs-spendesk) - [Airwallex](https://toolgpa.com/tools/airwallex): Multi-currency business accounts, cards, bill pay and expenses. [Compare](https://toolgpa.com/compare/airwallex-vs-spendesk) - [Expensify](https://toolgpa.com/tools/expensify): Receipt scanning, expense reports and company cards, from $5 a member. [Compare](https://toolgpa.com/compare/expensify-vs-spendesk) - [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-spendesk) ## Sources The prices, plans, platforms and features above were read from these pages on Oct 18, 2026: - https://www.spendesk.com/pricing/ - https://www.spendesk.com/about/ - https://apps.apple.com/gb/app/spendesk/id1189271166 - https://play.google.com/store/apps/details?id=com.spendesk.spendesk Page: https://toolgpa.com/tools/spendesk Listed by ToolGPA (toolgpa.com).