Business expense cards with control built in
Give employees company expense cards for online and in person spend. These business expense cards help finance control costs without slowing teams down, with limits, top ups and real-time visibility built in.
Built with insights from 12,000+ finance leaders in the CFO Connect community
)
Smart Cards that work for everyone
See every purchase as it happens
)
Stop sharing the company card
)
Stop fraud before it starts
)
Set the rules once, then step back
)
Get 95% of receipts without asking
)
AI that earns its place in your finance team
Employees simply upload or take a photo of their receipt and the Spendesk app reads it automatically — filling in the key details in seconds. And because it's that easy, more than 95% of receipts are submitted within two days.
AI learns from your company's past transactions and patterns. Once receipts are uploaded, the app immediately suggests the correct budget information. The more you use it, the smarter and more accurate it gets.
Duplicate or incomplete receipts are automatically detected and flagged, so there’s no more back-and-forth at month-end.
)
Full visibility on all your company card spend
Card spend overview
Complete oversight of your employees’ card payments, with spend broken down by team and cost centre, and a live view of money currently loaded on cards.
Physical card tracking
View individual team member's card budget, available funds, last payment date, and average monthly spend — making it easy to spot inactive or underused cards.
Subscriptions overview
An instant, at-a-glance view of every active subscription card across the business, all in one place. No more digging through statements or chasing colleagues to find out what's being paid for.
Subscription card reporting
Avoid wasted and accidental spend by flagging unused subscription cards and duplicate subscriptions, and ranking your top 30 subscription suppliers by spend.
Card restrictions & rejected transactions
See which users have advanced card settings applied — restricted merchant categories, time/day restrictions — and any transactions declined as a result.
Suspicious activity
Flags unusual card behaviour — potentially fraudulent transactions and anomalous spending patterns — for your finance team to review and act on.
Company expense cards that work for every team
Employees
)
Managers
)
Finance and Accounting
)
Martin Pannier Product @Iziwork
Gabrièle de Lamaze Head of Customer Success @Plezi
Aaron Townsend Financial Controller @ Habito
)
Automated bookkeeping
Let AI suggest how to categorise your expenses based on thousands of past transactions, or create your own rules.
Collect receipts and track spending
See every transaction the second it happens. Employees get a notification on their phone right after every purchase.
Manage cards from desktop or mobile
Team members can request top-ups from the mobile app, and managers can approve spending just as easily.
Spend reports, without the manual work
Filter by person, department, or budget category to understand exactly where your money is going before the month is over.
Set custom limits per card
Set budgets, block purchases by time, day, or merchant category, and turn ATM or contactless access on or off.
)