BUSINESS FINANCE
Compare UK spend-management platforms for company cards, employee expenses, approvals, reimbursements and accounting automation.
CONTROL COMPANY SPEND
Set limits, approvals and spending rules before or after purchases.
REDUCE EXPENSE ADMIN
Capture receipts, reimburse employees and automate expense reporting.
CONNECT YOUR ACCOUNTS
Sync approved spend with supported accounting and ERP software.
Features, pricing and eligibility vary by provider. We compare participating providers and do not cover the whole market.
Answers update the filters below. Unknown provider facts are not treated as a No.
WiT Money lists live UK spend-management platforms in Provider A–Z order until you answer suitability questions. Best match is then a deterministic compatibility score from verified fields such as cards, expenses, reimbursements, AP, approvals, accounting integrations and business eligibility. Unknown facts do not earn a match and do not hard-fail unless a verified conflicting criterion exists. Ranking is not determined by affiliate commission.
We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. Commercial arrangements do not determine Best Match results.
Product information last checked: 15 September 2026. Default order is Provider A–Z.
Best match is available after you answer suitability questions. It uses verified fields only and is not a product-quality ranking.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. Broader finance platform: spend management is one suite alongside accounts, FX, transfers and payments.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. Card Connect can connect eligible existing Visa and Mastercard business debit or credit cards; do not imply all card types/networks are supported.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. Debit or credit funding is available on eligible paid plans; do not present credit as universal.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. Platform includes both debit cards and credit line options; credit is not universal and depends on eligibility.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. Credit limits shown by Pleo are explicitly eligibility-dependent; do not present as guaranteed.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. UK proposition is GBP-focused and uses a credit model rather than a prepaid wallet; credit subject to approval.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. Current UK eligibility states incorporated entities only; sole traders are not supported.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Important restriction. Do not describe pricing as per-user; current pricing is tailored.
Unknown facts show as a dash, never as No.
| Provider | Cards | Expense management | Reimbursements | Invoices/AP | Approval workflows | Accounting integrations | Existing-card support | Pricing approach |
|---|---|---|---|---|---|---|---|---|
| Airwallex | Yes (physical + virtual) | Yes | Yes | Yes | Yes | Xero, QuickBooks, NetSuite | — | Tiered monthly platform plans |
| Expend | Yes (physical + virtual) | Yes | Yes | — | Yes | Xero, QuickBooks, NetSuite… | Yes | Per-user subscription tiers + custom enterprise plan |
| Moss | Yes (virtual) | Yes | Yes | Yes | Yes | Xero, QuickBooks Online, NetSuite… | — | Free modules + paid modular platform pricing |
| Payhawk | Yes (physical + virtual) | Yes | Yes | Yes | Yes | Xero, QuickBooks Online, Exact Online… | — | Modular platform pricing + usage variables; some current promotional/growth pricing |
| Pleo | Yes (physical + virtual) | Yes | Yes | Yes | Yes | Xero, QuickBooks, NetSuite… | — | Per-user subscription tiers |
| Ramp | Yes (physical + virtual) | Yes | Yes | Yes | Yes | Xero, QuickBooks Online, NetSuite… | — | Free plan + custom Ramp Plus |
| Soldo | Yes (physical + virtual) | Yes | Yes | — | Yes | Xero, QuickBooks, Sage… | — | Tiered monthly subscription + separate financial-services fees |
| Spendesk | Yes (physical + virtual) | Yes | Yes | Yes | Yes | Xero, QuickBooks, NetSuite… | — | Custom / tailored pricing |
Cards & funding model
Check whether the platform issues physical or virtual cards, uses debit/wallet funding or credit, and whether existing business cards can be connected.
Expense automation
Compare receipt capture, reimbursements and how employee claims are recorded and approved.
Approval controls
Look at spend limits, approval workflows, budgets and whether multi-entity controls are verified.
Accounting integrations
Only named integrations from verified sources are shown. Check whether your accounting or ERP system is listed for that provider.
Pricing & eligibility
Compare pricing model, promotional caveats, business-type restrictions and whether credit is eligibility-dependent.
We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. Commercial arrangements do not determine Best Match results.
Guidance
A practical guide to company cards, expense management and spend controls before you compare platforms.
Spend management brings company cards, expenses, approvals and other outgoing business spend into a controlled workflow. Platforms differ in which types of spend they support.
Expense management focuses on recording, approving and reconciling employee expenses. Spend management is broader and can also include cards, budgets, supplier invoices and purchasing controls.
A business card provides a payment method and, in some cases, credit. A spend-management platform adds controls, approvals, receipt capture and accounting workflows. Some platforms also issue cards.
Some platforms issue their own employee cards. Others can connect or work alongside existing business cards. Check whether changing your current banking or card arrangement is required.
Spend controls can limit purchases by employee, team, amount, merchant or category. Some platforms also require approval before funds are committed.
Accounting integrations can reduce manual reconciliation by syncing transactions, receipts, categories and other expense data into systems such as Xero or QuickBooks.
Check whether pricing is per user, per module, per transaction or platform-wide. Also check card, FX, withdrawal and other financial-service fees where applicable.
Compare the spend types supported, card model, approval controls, accounting integrations, business eligibility, implementation needs and total pricing structure.
Related tools
Spend management is not lending. Use these existing tools if you also need cards, accounts, cash-flow guidance or invoice finance.
FAQs
Grouped answers from the verified comparison research.
ABOUT THIS COMPARISON
SPEND MANAGEMENT BASICS
CARDS & EXPENSES
ACCOUNTING & AUTOMATION
PRICING & ELIGIBILITY
Spend management is not lending. Explore business cards, accounts or cash-flow guidance if you need a different type of product.
Features, pricing and eligibility vary by provider. We compare participating providers and do not cover the whole market.