Europe's most widely adopted team expense card. Free plan for up to 3 users, fast setup, and the most employee-friendly interface in this category.
Visit Pleo →A solid mid-market spend management platform with strong visibility and approval workflows. Best for companies that have outgrown Pleo but aren\u2019t ready for enterprise pricing.
Visit Spendesk →Pleo: Best if you want the fastest setup and a free plan, and post-purchase receipt capture is enough for how your team spends.
Spendesk: Best if you need approval workflows and pre-purchase visibility, and you are ready for custom pricing instead of a self-serve free tier.
| Feature | Pleo | Spendesk |
|---|---|---|
| Starting price | Free (3 users) | Custom pricing |
| Free plan | Yes | No |
| Physical cards | Yes | Yes |
| Virtual cards | Yes | Yes |
| Invoice management | Limited | Basic |
| Reimbursements | Yes | Yes |
| Accounting sync | Yes | Yes |
| Best for | Teams wanting card-first simplicity | Mid-market finance visibility |
Pleo and Spendesk both target small and mid-sized companies, but they solve different problems first. Pleo optimizes for getting cards issued and receipts captured with almost no setup, backed by a genuinely free plan. Spendesk optimizes for control before the money moves: purchase requests get approved ahead of time rather than reviewed after the fact, though that comes with custom pricing and no free tier. Teams that want simplicity and speed tend to prefer Pleo. Teams that need structured approval chains tend to prefer Spendesk.
See the full comparison table with all five platforms side by side.