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Looking for a better alternative to Qonto?

Spendesk helps your company spend smarter with expense management, virtual cards, spend approvals, invoice management and bookkeeping, in one refreshingly simple solution.


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 complete company spending solution for growing businesses

Get full control and visibility over company spending with smart payments and even smarter software. Grow your business instead of your back office with a scalable solution.

Secure online spending
Pre-payment approval workflows
Unlimited single-use virtual cards
Recurring virtual cards for subscriptions
Smart company cards
Built-in spending rules
Mobile app
Invoice management
Automated invoice processing
Expense management
Certified e-receipts

Control all company spending in one tool

From approvals to accounting, Spendesk has you covered.

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

Create unlimited virtual cards for secure online spending

Easily manage all online payments and subscriptions with pre-approved secure virtual debit cards.

Issue smart employee debit cards with built in limits and control

Equip your teams with smart and secure debit cards with built in budgets and controls. Save everyone time with automated expense reports.

Consolidate and track all employee payments

Employee expense reimbursements are consolidated with other transactions for better cost center tracking and budget follow-up. Receipts are safely digitised and stored.

Export Spendesk data to your accounting automation software

Use our native integrations and our custom exports to effortlessly integrate Spendesk transactions and receipts into your existing system.


In a fast paced innovative company, where the only constant is change, Spendesk works very well.


Georgios Filippatos, Financial Controller at Growth Tribe

Get the best for your business

Make the switch to smarter spending with Spendesk.

Want to know more?

Connect with a spending expert.

Payments services are provided as part of the Spendesk product by Spendesk Financial Services, Okali and Transact Payments Malta Limited in the EEA, by Transact Payments Limited in the UK and by Sutton Bank in the US. Spendesk Financial Services is a French payment institution licensed by the ACPR under number 17518. Okali is a French e-money institution licensed by the ACPR under number 17448. Transact Payments Limited and Transact Payments Malta Limited are e-money institutions licensed respectively by the GFSC and the MFSA. Sutton Bank is an FDIC insured member institution. Visa debit cards are issued by Spendesk Financial Services in the EEA and by Sutton Bank in the US, pursuant to a license from Visa. Mastercard debit and prepaid cards are issued by Transact Payments Limited in the UK and by Transact Payments Malta Limited in the EEA, pursuant to a license from Mastercard International Incorporated.