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Comparing Pleo with Spendesk?

Spendesk is the leading all-in-one spend management solution for UK, US, & European companies. Combine spend approvals, purchase orders, employee expense cards, virtual cards, expense reimbursements, and invoice management in one source of truth.

No credit card required to start. No 12-month contract.

Capterra -
Top 20 Accounts Payable Software (2020)


The 7-in-1 difference

  • 4x

    faster end-of-month closing

  • 100%

    visibility on all operational spend

  • £0

    setup & no hidden fees

  • 95%

    receipt reconciliation in just 2 days

  • Unlimited

    virtual cards, subscriptions & users

Spendesk is the leading all-in-one solution
for smart spend management.

Spendesk combines control, visibility and automation for finance teams, with more autonomy for employees.

Full control over company spend
Pre-approval workflows
Customisable spending limits per employee, team, or project
Automated reminders & consequences for missing receipts
Smart online spending
Unlimited virtual cards for one-time online payments
Virtual cards for recurring payments such as software subscriptions
Safe spending on the go
Mobile app for top ups & to capture receipts
Spend in USD, EUR, GBP, & more!
Expense management
Reimburse expenses with one click via bank transfer
Invoice management
End-to-end digitised purchasing process from order to invoice
Automated accounting
Best-in-class Xero integration that matches your GL codes & cost centres

One solution for all business expenses

We've combined smart payment methods with even smarter software, to manage all expenses in one place.

  • Approval policies
  • Team budgets
  • Invoice payment
  • Expense tracking
  • Virtual & physical cards
  • Spending reports
  • Pre-accounting automation

Built to let finance teams do their best work

Control, visibility, & flexibility

Smart debit cards with built-in spending limits

Every employee gets their own Mastercard debit card for on-the-go payments, enabling autonomous and secure payments. Thanks to built-in spending limits, managers & finance teams make sure that all policies are followed.

Unlock specific days of the week, individual time slots, and spending categories (e.g. hotel, airline tickets or restaurant visits) for each employee. The function for withdrawing cash from ATMs can be activated and deactivated with a single click.

Give your teams freedom and autonomy to be effective, and stay in complete control.

Create virtual cards for secure online payments

Instead of manual expense reports at the end of the month, employees can use Spendesk virtual cards to pay autonomously and securely online. This includes tickets for a business trip, vital new software, or supplies for the home office.

Mastercard's virtual debit cards are ideal for corporate spending. They're a secure alternative to corporate cards, where credit card details are often shared by multiple employees, increasing the risk of fraud or misuse.

Virtual cards are also the best way to manage software subscriptions and services.

Fast two-way sync with Xero

Spendesk automates pre-accounting by automatically reading VAT and allocating general ledger codes and receipts. Finance teams save an average of 2-3 days on month-end closing.

Our Xero native integration lets you choose the correct cost centres and GL codes from the start. Your ledger is accurate and up to date by default, and you save hours on formatting and review.

Digital invoice management & real-time overview

Spendesk offers more than modern payment methods like virtual & physical debit cards. You can also centralise invoice payments in the same place you handle card spend.

Spendesk lets you create purchase orders and invoice automation workflows. All employee requests can be linked to associated budgets and cost centres for better visibility and planning.

Budget owners can assess requests before approving them, and the finance team has a complete overview of all spending.

Instant receipt collection and less admin

Collecting expense receipts is painful for finance teams. Spendesk removes virtually all of this hassle automatically.

Employees capture receipts through the mobile or desktop app the moment they spend - whether for a client lunch, a software subscription, or anything else.

Spendesk also sends automated reminders, so you don't have to chase employees for receipts. And repeat offenders can lose access until they play by the rules.


When you’re a fast-scaling company, lots of people have requests, lots of people need funds, lots of people need to expense or need to spend. Suddenly, you lose efficiency, you lose control, and you have a lack of visibility. Spendesk keeps us in control of things.


Tom Libbrecht, Finance Manager, Silverfin


We've summarised the most frequently asked questions about Spendesk & Pleo.

Pleo is a Danish fintech company headquartered in Copenhagen, founded in 2015. Pleo's mission is to make corporate payments easier for employees, specifically via smart credit cards.

Spendesk is the all-in-one spend management solution that gives more control, visibility, and automation to today's finance teams. This includes online payments, expenses, purchase orders, invoices and card payments. Spendesk replaces corporate cards, often shared by multiple employees, with secure Mastercard virtual and physical debit cards. Spendesk has offices in Berlin, Paris, London and San Francisco.

Pleo is particularly suitable for startups and small businesses that want to give their employees access to modern means of payment, so they can spend on behalf of the company without having to advance expenses.

Spendesk software is aimed at startups, scaleups, and small and medium-sized businesses. The goal is to give the finance team full visibility into all company expenses in one solution, whether it's card payments with virtual or physical debit cards, expense reports, mileage, meal expenses, purchase orders or invoices. Intelligent pre-approvals give employees some room to maneuver without losing control. All other expenses can be validated or rejected by a supervisor on the fly, via the mobile app, email, or Slack integration. Spendesk also automates preparatory accounting through automated VAT readout, and offers native integrations with accounting systems such as Xero. You can easily manage the expenses of multiple branches centrally in Spendesk.

Spendesk software is available for companies in the European Economic Area (including Germany, France, United Kingdom, Spain, Norway, Sweden, Denmark) and in the United States.

Users can create Spendesk wallets with currencies in Euro (€), US Dollar ($), Pound (£), Danish Krone (DKK), Norwegian Krone (NOK) and Swedish Krona (SEK).

Yes. Spendesk debit cards are protected against fraud by Mastercard's "Zero Liability Protection". This liability protection applies to your purchases in-store, online, such as e-commerce payments, or via a mobile device, and to all ATM transactions. For more information, see the MasterCard website.

Get the best for your business

Make the switch to smarter spending with Spendesk.

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