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Spendesk

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What Spendesk is

Spendesk brings company cards, expenses, accounts payable, procurement, and budgets into a spend-management platform for finance teams. Its workflows cover purchasing through multi-currency payments, with approvals, budgets, reporting, and pre-accounting. Companies can issue physical, virtual, and subscription cards, view transactions, set card limits, and freeze cards. Employees can submit expenses and track reimbursement status, while managers can approve claims from mobile. The iOS and Android app supports receipt capture, expense submission, approvals, card management, and real-time spend checks; web access is also listed. Integrations include Xero, NetSuite, QuickBooks for US customers, Slack, DATEV, and the Spendesk API, alongside HR, travel, and SSO integrations. Spendesk was founded in 2016 and is headquartered in Paris, France. It describes encryption, multifactor authentication, access controls, 3DS transaction verification, and fraud detection among its security measures. Pricing is available on request, and there is no free plan. Spendesk says it is ideal for companies with 50 to 250 employees while also supporting businesses outside that range.

Who it suits

Spendesk is aimed at finance teams managing company spending, expenses, procurement, and budgets. The company says it is ideal for businesses with 50 to 250 employees, while also supporting organizations beyond that range.

What it does well

Combines cards, expenses, procurement, and budgets.
Offers physical, virtual, and subscription cards.
Mobile app supports receipt capture and approvals.
Includes multi-currency payments and budget controls.
Lists integrations including Xero, NetSuite, and Slack.

What to know first

No free plan.
Pricing is available on request.
Spendesk says 50–250 employees is its ideal range.

Limits

Spendesk has no free plan. The listed Custom pricing plan requires contacting the team for pricing based on your needs.

Plans

Plan	Billed and limits	Price
Custom pricing	Contact the team for pricing based on your needs	On request

As spendesk.com lists them, read 7 Oct 2026. The maker's own page has the final word.

Getting started

Open the Spendesk website
Contact the team for custom pricing
Complete implementation with Spendesk support
Use the web platform or install the iOS or Android app
Connect listed accounting, HR, travel, or SSO integrations

Verdict

Spendesk covers spending from procurement through payments, with card controls, expense handling, and mobile approvals. Pricing is custom and must be requested.

Questions

Does Spendesk have a free plan?

No. Spendesk is listed as paid, with custom pricing available on request.

Which platforms does Spendesk support?

Spendesk is available on the web, iOS, and Android.

What cards can organizations issue?

Organizations can issue physical, virtual, and subscription cards.

Does Spendesk support accounting integrations?

Listed integrations include Xero, NetSuite, QuickBooks for US customers, DATEV, Slack, and the Spendesk API, plus HR, travel, and SSO integrations.

Does Spendesk support multiple currencies?

Yes. Its workflow includes payments in multiple currencies.

Who provides payment services?

Payment services are provided by Spendesk Financial Services in the EEA, Adyen in the UK, and Sutton Bank in the US.

Facts from Spendesk's own pages

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. · spendesk.com, 7 Oct 2026
Company cards: Spendesk offers physical, virtual, and subscription cards, with transaction visibility, card limits, and controls such as freezing cards. · spendesk.com, 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. · spendesk.com, 7 Oct 2026
Core workflow: The platform supports spending from procurement through multi-currency payments, with approvals, budgets, reporting, and pre-accounting. · spendesk.com, 7 Oct 2026
Expense management: Employees can submit expenses and track reimbursement status, while managers can approve claims from mobile. · spendesk.com, 7 Oct 2026
Founded: 2016 · spendesk.com, 28 Sept 2026
Headquarters: Paris, France · spendesk.com, 28 Sept 2026
Infrastructure: Spendesk says its databases and servers are hosted on AWS, use a high-availability architecture, and are backed up daily. · spendesk.com, 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. · spendesk.com, 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. · spendesk.com, 7 Oct 2026
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. · spendesk.com, 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. · spendesk.com, 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. · spendesk.com, 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. · spendesk.com, 7 Oct 2026
What it does: Spendesk connects company cards, expenses, accounts payable, procurement, and budgets in one spend management platform for finance teams. · spendesk.com, 7 Oct 2026