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Looking for an alternative to Revolut?

Spendesk is the all-in-one smart spend management software that supports finance teams and employees. Get virtual & physical Mastercard debit cards to use online & on the go.


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

Scalable spend management for all teams

Manage all expenses centrally and track every dollar, euro, and pound spent in real time.

Secure online payments
Unlimited virtual cards
Pre-approval for employee payments
Centralised subscription management
Smart debit cards
Smart cards with built-in rules
Mobile app
ATM withdrawals
Manage travel expenses
Additional meal expenses
Invoice management
Digital invoice management
Preparatory accounting
Xero integration

All in one tool

Spendesk is more than a current account. The tool combines smart payment methods with software for centralised invoice and expense management. Real-time reporting and direct exports to your accounting software are also fast and easy.

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

Smart Mastercard debit cards on the move

Thanks to smart Spendesk cards with built-in policies, the finance team & managers ensure that budgets are adhered to. They can individually approve time slots, days of the week and spending categories for each employee. The function to withdraw money from the ATM can be activated and deactivated with one click.

Manage travel costs & expenses centrally

Spendesk reduces the administrative effort of business travel. Employees book their travel autonomously & securely with a virtual card, & managers approve payment requests with one click. On the road, travellers pay with a debit card without having to advance expenses. Mileage allowances and additional meal expenses can also be settled via Spendesk in no time at all.

A transparent purchasing process for all

Spendesk centralizes purchase orders, invoices, transactions and preparatory accounting in one solution and links requests to team budgets. This way, managers can check whether the expense fits into the budget or not before approving it, and there are no surprises at the end of the month.

Smooth exports to your accounting system

Thanks to native integrations and customizable exports, you can export payments and receipts from Spendesk directly into your existing systems, including Xero. This saves the finance team valuable time and your accounting is always up-to-date.


We’re no longer ‘the bad guys from finance’. We used to always be the people complaining, nagging about missing receipts or unnecessary payments. But now we're the heroes.


Dominique, Head of brands



The most frequently asked questions and common misconceptions about expense reimbursement.

The internet bank Revolut offers its business customers a corporate account for online banking that comes with additional functions. With a Revolut account, transfers can be made within Europe and worldwide (with IBAN), and standing orders can be managed. In addition, as with Wise, for example, incoming online payments can be accepted at low fees. Apple Pay and Google Pay, cashback and mobile banking are also possible with Revolut.

Spendesk is not a bank account, but a complete spend management solution. The software combines payment methods such as secure virtual debit cards from Mastercard with digital invoice management, preparatory accounting, native accounting integrations, and more. You can test Spendesk free of charge for one month, and without obligation.

The short answer is yes, cash withdrawals are possible. For Spendesk physical debit cards, different authorisations can be activated for each employee, including on which days of the week and for what the person may use the Mastercard. The option to make ATM withdrawals can be activated and deactivated individually for each employee with one click.

Spendesk is available in the Eurozone and the entire European Economic Area (Germany, France, United Kingdom, Spain, Norway, Sweden, Denmark...) and in the United States.

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

Yes! You can reach Spendesk's customer service team by email ( Our staff in our offices in Germany (Berlin), France (Paris), the UK (London), and the USA (San Francisco) will be happy to help you.

Spendesk is more than just a business account into which you deposit money and make transfers. Se don't have a banking app in the strict sense that current accounts do. Instead, Employees can use the Spendesk app for Android & iOS to photograph and upload their receipts, submit expenses and make requests to top up their physical card. Customers can download the app free of charge in the App Store and via Google Play.

Spendesk debit cards are protected against fraud by Mastercard's "Zero Liability Protection". Rest assured that this liability protection applies to your purchases in-store, online or via a mobile device, and to all ATM transactions. You can find more information about this on the MasterCard website.

Spendesk offers modern businesses modern payment methods and a powerful platform to manage expenses. This includes Mastercard debit cards to replace old-fashioned corporate credit cards, virtual cards for secure online payments, and automated expense reports.

For employees

Employees no longer have to front expenses out of their own pockets. Instead, they request an amount for a specific purchase and can make the payment using their Sepndesk (physical) debit card or a virtual card.

If for any reason the employee cannot use their Spendesk Mastercard and needs to pay in cash, they take a photo of the receipt via the Spendesk mobile app (available for Android & iOS) and create a digital expense report directly on the go. This is sent immediately to a manager for validation, and then on to the finance team.

For finance teams

Each employee has their own Spendesk profile and their own Mastercard debit card, loaded with a certain amount. So unlike a company credit card, you always know who is spending company money and where.

Finance teams can view company spending in real time and follow up on missing receipts or invoices by sending reminders to employees through the platform.

Get the best for your business

Make the switch to smarter spending with Spendesk.

Want to know more?

Connect with a spending expert.