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Smart company credit cards with built-in controls for SMEs

Spendesk credit cards for secure, business spending. Ideal for companies with 20-500 employees. Keep control with transparent spending rules and policies to fast-track company growth.

G2 -
2022 Best Software Awards winner in Finance & Accounting


One solution for all business expenses

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

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

Take smart company cards everywhere you go

Upgrade from inflexible corporate credit with secure, customizable company cards. Set budgets and create rules around where and when to use them. Give every employee access to funds in a safe controlled environment. Easy to use, with no nasty surprises.

Use virtual cards for safer online spending

Trust your employees without compromising control. Create single-use cards for one-off purchases, or subscription cards for recurring spend. Every card has unique details, and every payment is connected to the user, so you always know who owns each payment.

Create subscription cards for recurring transactions

Juggling subscriptions is a constant challenge for finance teams. Manage online subscriptions and services with recurring cards that can be paused, updated, or cancelled at any time.

Manage cards from desktop or mobile

Team members can request top-ups from the mobile app, and managers can approve spending just as easily. Finance teams can track all company cards from a single dashboard, freeze cards or pause payments, and ensure that receipts are uploaded on time.

Collect receipts and track spend in real time

Spendesk cards show finance teams exactly what’s spent in real time, and let them make smart, timely decisions to optimize costs. And employees submit receipts automatically through the app, with more than 95% collected on time.

The 7-in-1 difference

  • 4x Faster

    month-end close

  • 100% Visibility

    on all company spend

  • Unlimited Cards

    virtual and physical

  • > 95% Receipts

    captured on time

  • $0 Set-up Cost

    no hidden fees

Book your free demo of Spendesk

Control spending and increase efficiency across your business with smart debit cards, effortless expense management and automated bookkeeping.

Secure payments
Clever company cards, expenses and invoice management.
Powerful software
Track payments, manage approvals and control employee spending.
Awesome automation
98% receipt collection, automated accounting and expense reports.


3,500 finance teams love Spendesk.

98% of them said it was easy to switch. But don't take our word for it,
here's what they have to say....


Spendesk is one of the tools that will allow us to scale. We can add people, new expenses, and expense volume, without adding anything to the back-office because it’s that far automated. And it still keeps us in control

Tom Libbrecht

VP Finance @Silverfin

The easiest expense software I have ever used!

Travis W. Lopes

Account Executive, 360Learning

Spendesk gave us a traceable workflow and validation system. I can find details about any specific purchase any time I need them, which is so important. I simply didn’t have this ability before.

Géraldine E Adjadj

Accounting Manager, Botify

Best customer support <3 Very smooth and user-friendly design. Spendesk was the perfect tool to make my team move faster.

Pauline Tordeur

CEO, Hivy

A great tool to monitor credit card expenses, collect receipts, and facilitate accounting!!

Anne-Caroline Coquidé

Head of Finance, Sezane

The customer support level is the best I've ever seen, and they're constantly adding new features and improving the existing ones.

Mark Lodge

Director of Business Planning, NextBigThing

I know in real-time where the money is spent, and I don’t have to lend out the company’s credit card anymore. What a relief!

Xavier Haffreingue

COO, Tinyclues

Spendesk is an ingenious way to manage travel costs and keep track of all my expenses. It really makes my life much easier.

Joseph Cochrane

Account Manager, AB Tasty

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.