Spendesk
Spendesk is a spend management platform for finance teams, combining company cards, expenses, accounts payable, procurement, and budgets.
What Spendesk is
Spendesk is a spend management platform for finance teams, combining company cards, expenses, accounts payable, procurement, and budgets. Its workflow covers purchasing through multi-currency payments, with approvals, budget controls, reporting, and pre-accounting. Companies can issue physical, virtual, and subscription cards, set limits, view transactions, and freeze cards. Employees submit expenses and track reimbursement status, while managers approve claims from mobile. The iOS and Android app supports receipt capture, expense submission, approvals, card management, and real-time spend checks, alongside web access. Listed integrations include Xero, NetSuite, QuickBooks for US customers, Slack, DATEV, the Spendesk API, and HR, travel, and SSO integrations. Spendesk also describes encryption, multifactor authentication, access controls, 3DS verification, and fraud detection. It was founded in 2016 and is headquartered in Paris. Pricing is custom and available on request; there is no free plan. Spendesk says it is ideal for companies with 50 to 250 employees while supporting others.
Good
- Combines cards and expense workflows
- Supports multi-currency payments
- Mobile approvals and receipt capture
- Budget and card controls
- Includes listed accounting integrations
Watch out
- No free plan
- Pricing available only on request
- Ideal size is 50–250 employees
Who it suits
Spendesk suits finance teams managing cards, expenses, procurement, budgets, and reimbursements across web and mobile. It is positioned for companies of 50 to 250 employees, while supporting businesses outside that range.
Verdict
Spendesk brings spending controls and reimbursement work into one platform with web and mobile access. Custom pricing and its stated company-size focus are key selection factors.
Plans and prices
From Spendesk's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Custom pricing | Priced on request | Contact the team for pricing based on your needs |
The facts
Each one read from Spendesk's own pages, with the date it was checked.
What it does
- API and AI access
- Spendesk AI Connect lets users query spend data and automate workflows through an AI assistant using read-only access, according to the homepage.checked 7 Oct 2026
- Compliance
- Spendesk states that it holds ISO 27001:2022 certification and is committed to GDPR compliance; its payment partners are PCI-DSS certified.checked 7 Oct 2026
- Core workflow
- The platform supports spending from procurement through multi-currency payments, with approvals, budgets, reporting, and pre-accounting.checked 7 Oct 2026
- Expense management
- Employees can submit expenses and track reimbursement status, while managers can approve claims from mobile.checked 7 Oct 2026
- Infrastructure
- Spendesk says its databases and servers are hosted on AWS, use a high-availability architecture, and are backed up daily.checked 7 Oct 2026
- Integrations
- Listed integrations include Xero, NetSuite, QuickBooks for US customers, Slack, DATEV, and the Spendesk API, alongside HR, travel, and SSO integrations.checked 7 Oct 2026
- Intended customer size
- Spendesk says it is ideal for companies with 50 to 250 employees, while also supporting businesses outside that range.checked 7 Oct 2026
- Payment providers
- Payment services are provided by Spendesk Financial Services in the EEA, Adyen in the UK, and Sutton Bank in the US.checked 7 Oct 2026
- Security controls
- Spendesk says it encrypts data, supports multi-factor authentication and access controls, and verifies transactions with 3DS and fraud detection.checked 7 Oct 2026
- Support
- Spendesk describes hands-on implementation, expert support, and ongoing customer success; it says most customers are live within 3–4 weeks.checked 7 Oct 2026
- What it does
- Spendesk connects company cards, expenses, accounts payable, procurement, and budgets in one spend management platform for finance teams.checked 7 Oct 2026
The company
- Company cards
- Spendesk offers physical, virtual, and subscription cards, with transaction visibility, card limits, and controls such as freezing cards.checked 7 Oct 2026
- Founded
- 2016checked 28 Sep 2026
- Headquarters
- Paris, Francechecked 28 Sep 2026
Where it runs
- Mobile app
- The mobile app is available on iOS and Android and supports receipt capture, expense submission, approvals, card management, and real-time spend checks.checked 7 Oct 2026
