European Alternatives to Expensify

Looking for a European alternative to Expensify? Expensify, Inc. is a Portland, Oregon company whose terms are governed by the laws of the State of California and send disputes to individual arbitration with a class action waiver.

Eleven European tools cover expense reports and receipt scanning, from simple per-user apps to full spend platforms with company cards, built by companies in France, Finland, Belgium, Germany, Denmark and the United Kingdom.

11 Alternatives
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11 European Alternatives to Expensify

N2F

French expense-report app with receipt scanning and mileage, from €5.10 a user a month billed annually

#1 for replacing Expensify
France

Jenji

French expense app with a free Solo plan for independents, part of the Silae payroll group

#2 for replacing Expensify
France

Bezala

Finnish expense app at €11 per active user a month, billed only for users who claim that month

#3 for replacing Expensify
Finland

Rydoo

Mechelen expense app with an AI receipt scanner and per diems, plans from €8 a user a month

#4 for replacing Expensify
Belgium

Mobilexpense

Brussels expense platform whose Declaree line costs €8 a user a month, minimum 20 users

#5 for replacing Expensify
Belgium

Pleo

Copenhagen spend platform with cards, automated expense reports and reimbursements, free trial

#6 for replacing Expensify
Denmark

Moss

Berlin finance platform with cards, invoices and employee reimbursements, free start, unlimited users

#7 for replacing Expensify
Germany

Spendesk

Paris spend platform with expense management, unlimited users and cards on a quote basis

#8 for replacing Expensify
France

Payhawk

London-registered spend platform with engineering in Sofia, cards, expenses and invoices in one

#9 for replacing Expensify
United Kingdom

ExpenseIn

UK expense platform with receipt scanning and verification, mileage and expense cards, demo-led

#10 for replacing Expensify
United Kingdom

Candis

Berlin invoice-first platform that adds expense and mileage claims, from €389 a month with unlimited users

#11 for replacing Expensify
Germany

Key takeaways

  • Expensify, Inc. is a Portland, Oregon company whose terms use California law and individual arbitration with a class action waiver.
  • N2F (France) and Rydoo (Belgium) publish per-user prices from €5.10 and €8 a month, and N2F offers a free trial.
  • Jenji (France) has a free Solo plan for independents, while its company plan, Silae Expense, is billed per user without a published figure.
  • Bezala (Finland) bills €11.00 only for users who actively claim in a month, which suits teams where few people claim often.
  • Pleo, Moss, Spendesk and Payhawk are spend platforms with cards, so they fit better than a plain receipt app if you want to replace staff cards too.
  • Candis is invoice-first and the least like Expensify, but it is the one with unlimited users on every plan.

Why people leave Expensify

Expensify is the expense app many small teams and freelancers know best. You photograph a receipt, the app reads it, you add the lines to a report, and a manager approves it before it is exported to your accounting tool. Its own pricing page lists integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct and QuickBooks Desktop, and it also sells company cards.

It is run by Expensify, Inc. in Portland, Oregon. Its terms of service (last updated 10 September 2026) are a contract with that company, governed by the laws of the State of California, and section 9 sends disputes to binding individual arbitration with a class action waiver. For transfers of personal data from Europe, its privacy policy relies on its participation in the EU-U.S. Data Privacy Framework and on standard contractual clauses.

This page covers eleven European tools that replace the same job: receipts, expense reports, mileage and approvals. Some are simple per-user apps for small teams, some are spend platforms with company cards, and one is an invoice platform with expense claims added. They differ a lot in how openly they publish prices.

  • The contract and the court are Californian Expensify, Inc. sits in Portland, and its terms choose California law and individual arbitration with a class action waiver, with only small claims court as an exception. That is a normal American software contract, but it is not the legal setting most European finance teams would pick for a tool that handles staff receipts and bank details. The tools below contract with entities in France, Finland, Belgium, Germany, Denmark or the United Kingdom.
  • Personal data crosses the Atlantic under a framework Receipts carry names, places, card fragments and sometimes health or travel details. Expensify says it participates in the EU-U.S. Data Privacy Framework and also relies on standard contractual clauses. That is a lawful route today, but it is a route that depends on a framework that has been challenged before. A European processor keeps the question simple.
  • Prices are hidden behind a login Expensify's pricing page is rendered in the browser and could not be read for this page, so no figure is quoted for it here. Several European tools publish a clear number: N2F from €5.10 a user a month, Rydoo from €8, Mobilexpense Declaree at €8, Bezala at €11 per active user. That makes a budget conversation easier before you start a trial.
  • Local rules are built in, not bolted on French tools such as N2F and Jenji handle mileage allowances and French archiving expectations, Bezala works in the Nordic accounting stack, and Rydoo advertises per diem and mileage data for over 80 countries. If your staff travel inside Europe, rates and rules written for it matter more than a long US integration list.

What you have to replace, not just match

Start with the job, not the vendor. Count who submits expenses, whether you need company cards or only reimbursements, and which accounting tool must receive the export. A five-person team reimbursing out-of-pocket receipts needs a different tool from a 200-person company that wants cards, budgets and approvals in one place.

Run a month in parallel. Export your existing categories and policy rules from Expensify, recreate them in the new tool, and have a few people submit real receipts in both. Keep the Expensify account open until the first export has reached your books without manual fixes.

The alternatives compared

European Expensify alternatives, in the order this page ranks them, compared on headquarters, pricing and jurisdiction
PositionToolHeadquartersPricingJurisdiction
#1 N2F Montagnat, France Business (freelancers) from €6.80/user/month excl. VAT (€5.10 annual); Enterprise from €9.20/user/month excl. VAT (€6.90 annual, 2-5 users); Advanced custom-quoted EU (France)
#2 Jenji Aix-en-Provence, France Jenji Solo free for independent contractors; Silae Expense priced per user per month, quote on request EU (France)
#3 Bezala Espoo, Finland €10.50 per active user/month for expense claims and non-salary compensation, plus €3.20/month per active card user for receipt reminders; custom pricing above 100 employees EU (Finland)
#4 Rydoo Mechelen, Belgium Per user, per month EU (Belgium)
#5 Mobilexpense Brussels, Belgium Declaree from €8/user/month, minimum 20 users; MXP custom-quoted, minimum 20 users; business credit cards from €4/user/month as an add-on EU (Belgium)
#6 Pleo Copenhagen, Denmark Per active user, per month EU (Denmark)
#7 Moss Berlin, Germany Per user, per month EU (Germany)
#8 Spendesk Paris, France Subscription + per user EU (France)
#9 Payhawk London, United Kingdom (engineering in Sofia, Bulgaria) Subscription + per user United Kingdom (adequacy decision, outside the EEA)
#10 ExpenseIn London, United Kingdom Core, Advanced and Complete tiers, priced per user per month; Advanced adds 0.5% cashback on card spend and Complete 0.75%; pricing on request United Kingdom (adequacy decision, outside the EEA)
#11 Candis Berlin, Germany Base from €389/month, Plus from €599/month, Max from €789/month, priced by document volume with unlimited users and entities; Visa corporate cards from €149/month EU (Germany)

How each alternative compares to Expensify

#1

N2F

the plainest receipt-and-report app, with published prices

Montagnat, FranceBusiness (freelancers) from €6.80/user/month excl. VAT (€5.10 annual); Enterprise from €9.20/user/month excl. VAT (€6.90 annual, 2-5 users); Advanced custom-quoted#9 in Expense Management

  • Which law reaches it. EU (France). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: Small teams that want scanning, mileage and approvals at a number they can read

N2F is published by SAS N2JSOFT in Montagnat, France (RCS Bourg-en-Bresse 814 572 236, share capital €515,575), according to its own legal notice. It describes itself as a French expense report solution.

Its pricing page lists a single-user Business plan at €6.80 a month, or €5.10 on annual billing, excluding VAT, with a free trial. The plan includes unlimited smart receipt scanning, mileage allowances with a Google Maps module, PDF and Excel exports and multi-currency support.

What N2F does better than Expensify

  • Prices are shown in euros on its own page
  • Free trial before you pay
  • Contract with a French company, not a Portland one
  • Mileage allowances with a mapping module

Where N2F is a step down from Expensify

  • Its pricing and legal pages are in French first
  • Smaller integration list than Expensify's
  • Corporate cards and invoices are separate products

Standout against Expensify. It is the one here with a published per-user price under €7 and a free trial.

n2f.com Visit N2F
#2

Jenji

the free option for independents, from Aix-en-Provence

Aix-en-Provence, FranceJenji Solo free for independent contractors; Silae Expense priced per user per month, quote on request#14 in Expense Management

  • Which law reaches it. EU (France). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: Freelancers who want free expense tracking and mileage, and French SMEs

Jenji's legal notice names SILAEXPERT SAS in Aix-en-Provence (RCS Aix-en-Provence 523 020 287, share capital €100,000) and says Jenji has been part of the Silae group since September 2022.

Its pricing page offers Jenji Solo, free, for independents who want to manage business expenses and mileage, and Silae Expense, billed per user, for small and medium companies. No figure is shown for the company plan.

What Jenji does better than Expensify

  • A permanent free plan for independents
  • French company inside a payroll group
  • OCR receipt capture and automatic mileage calculation

Where Jenji is a step down from Expensify

  • No published price for the company plan
  • Legal and pricing pages are in French
  • Fewer public details on integrations than Expensify

Standout against Expensify. It is the only tool here with a free plan aimed at the self-employed.

jenji.io Visit Jenji
#3

Bezala

pay only for the people who actually claim

Espoo, Finland€10.50 per active user/month for expense claims and non-salary compensation, plus €3.20/month per active card user for receipt reminders; custom pricing above 100 employees#13 in Expense Management

  • Which law reaches it. EU (Finland). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: Nordic and Baltic teams where only a few staff claim expenses in a month

Bezala's footer names Renance, Automated Financial Services Oy, and the Finnish business register (PRH) lists it with business ID 2697751-4. Bezala is the product name.

Its pricing page lists €11.00 per active user per month, charged only for users who actively use it that month, with the claim that on average about 30% of staff do. Missing-receipt reminders for company cards cost €3.50 per active card user. Enterprise pricing applies above 100 users.

What Bezala does better than Expensify

  • You pay only for active users
  • Finnish company with published euro pricing
  • Integrations with Nordic accounting tools such as Netvisor, Procountor and Fortnox

Where Bezala is a step down from Expensify

  • €11 a month is higher than N2F or Rydoo for a full-time claimant
  • The terms page is rendered by script and could not be read here
  • Weaker brand presence outside the Nordics

Standout against Expensify. It bills only the users who claim in a given month.

bezala.com Visit Bezala
#4

Rydoo

a Belgian expense app with euro pricing and broad per-diem data

Mechelen, BelgiumPer user, per month#7 in Expense Management

  • Which law reaches it. EU (Belgium). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: Companies that need per diems, mileage and expense cards across several countries

Rydoo's privacy policy names Rydoo NV in Mechelen, Belgium and Rydoo Sp. z o.o. in Warsaw as the entities responsible for data processing. Its site shows the contract documents as a PDF that could not be read for this page.

Its pricing page offers euro, dollar and pound pricing, with plans starting at €8 per user per month on annual billing and a minimum of 5 users. It advertises a receipt scanner, per diem management, approvals, credit card reconciliation and an MCP connection to AI tools.

What Rydoo does better than Expensify

  • Published euro prices from €8 a user
  • Official per diem and mileage data for over 80 countries, by its own claim
  • Expense cards and accounts payable in the same family of products

Where Rydoo is a step down from Expensify

  • Minimum of 5 users
  • Terms are in a PDF that was not read
  • Wider product than a freelancer needs

Standout against Expensify. It publishes per diem and mileage data for over 80 countries.

rydoo.com Visit Rydoo
#5

Mobilexpense

Brussels expense platform with a cheap per-user tier and a 20-user minimum

Brussels, BelgiumDeclaree from €8/user/month, minimum 20 users; MXP custom-quoted, minimum 20 users; business credit cards from €4/user/month as an add-on#11 in Expense Management

  • Which law reaches it. EU (Belgium). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Where the data sits. EU/EEA (Mobilexpense states customer data is stored in the EU/EEA).
  • Source code. Closed source, as Expensify is.
  • Independently checked. ISO 27001:2022.

Best for: Mid-sized European companies with travelling staff

Mobilexpense SA's imprint gives Koning Albert II Laan 19, 1210 Brussels, and the number 0472.505.509, with branch offices including Amsterdam. It runs two lines, Declaree and MXP.

Its pricing page lists Declaree at €8 per user per month, with some features priced separately and a minimum of 20 users, and Mobilexpense credit cards from €4 per user per month. MXP is quoted separately.

What Mobilexpense does better than Expensify

  • Belgian company with published euro prices on Declaree
  • Mileage tracking, per diems and policy enforcement
  • Company cards from the same vendor

Where Mobilexpense is a step down from Expensify

  • Minimum of 20 users rules out small teams
  • MXP, the enterprise line, is quote-only
  • No free plan or trial figure on the page that was read

Standout against Expensify. Two product lines, Declaree and MXP, let it span mid-market and enterprise.

mobilexpense.com Visit Mobilexpense
#6

Pleo

cards first, with automated expense reports on top

Copenhagen, DenmarkPer active user, per month#1 in Expense Management

  • Which law reaches it. EU (Denmark). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: Companies that want staff cards and automatic receipt matching

Pleo's site names Pleo Technologies A/S, CVR 36538686, Ravnsborg Tværgade 5C, 2200 Copenhagen, Denmark. It also names Pleo Financial Services UK Ltd for its UK card operations.

Its pricing page offers a free trial, and its Start plan includes physical and virtual cards, real-time expense tracking and automated expense reports. Build adds reimbursements and mileage. The prices shown on the page that was read were in pounds, so no euro price is quoted here.

What Pleo does better than Expensify

  • Cards and expenses in one product
  • Danish company with published tiers and a free trial
  • Reimbursements and mileage on the Build tier

Where Pleo is a step down from Expensify

  • Start allows only 1 admin and Build needs at least 3 users on its listed plan
  • Reimbursements and mileage are not on the cheapest tier
  • Prices shown in pounds on the page read

Standout against Expensify. It is built around the company card, with the expense report as a by-product.

pleo.io Visit Pleo
#7

Moss

a Berlin finance platform with a free start and unlimited users

Berlin, GermanyPer user, per month#3 in Expense Management

  • Which law reaches it. EU (Germany). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: German and European SMEs that want cards, invoices and reimbursements together

Moss's imprint names Nufin GmbH, Saarbrücker Str. 37A, 10405 Berlin, registered at Amtsgericht Charlottenburg under HRB 209209. Moss is the product name.

It describes cards, invoices and employee reimbursements in one platform, with mileage, per diems and out-of-pocket expenses in the reimbursement module. Its pricing page says you can start free with Cards or Accounts Payable, with unlimited users and pay-for-what-you-use features.

What Moss does better than Expensify

  • Unlimited users on its pricing page
  • German company with an imprint and register number
  • Cards, invoices and reimbursements in one tool

Where Moss is a step down from Expensify

  • No euro figure on the pricing page that was read
  • More product than a pure receipt app needs
  • The free start covers Cards or Accounts Payable, which is not the reimbursements module

Standout against Expensify. Unlimited users and a free start for cards or invoices.

getmoss.com Visit Moss
#8

Spendesk

a Paris spend platform with unlimited cards and users on a quote

Paris, FranceSubscription + per user#2 in Expense Management

  • Which law reaches it. EU (France). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: Finance teams that want one system for cards, receipts and approvals

Spendesk's privacy policy describes a simplified joint stock company registered with the Paris Trade and Companies Register under number 821 893 286, with its registered office at 51 rue de Londres, 75008 Paris. Card payment services in the EEA come from Spendesk Financial Services, per its footer.

Its pricing page lists a Foundations package that includes unlimited users, physical cards and control settings, with add-ons selected before you request a quote. No euro figure is shown.

What Spendesk does better than Expensify

  • French company, with a separate EEA payment entity named
  • Unlimited cards and users in its base package
  • Claims 98% of receipts collected automatically on its own page

Where Spendesk is a step down from Expensify

  • No public price, you must request a quote
  • More than a small team usually needs
  • No free tier on the pricing page

Standout against Expensify. The base package includes unlimited cards, users and controls.

spendesk.com Visit Spendesk
#9

Payhawk

expenses, cards and invoices from a London-registered company with Balkan engineering

London, United Kingdom (engineering in Sofia, Bulgaria)Subscription + per user#4 in Expense Management

  • Which law reaches it. United Kingdom (adequacy decision, outside the EEA). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: Growing multi-entity companies that want one platform for spend

Payhawk's site states that Payhawk Limited is registered under company number 11747263 at Chancery House, 53-64 Chancery Lane, London, and lists offices in Sofia and Vilnius. EEA cards are issued by Payhawk Financial Services UAB.

Its pricing page describes plans for expenses, cards and invoices, with a 24-month growth programme for small businesses in the EEA and UK. The plan prices were not read in a form that can be quoted here.

What Payhawk does better than Expensify

  • Cards, expenses and invoices together
  • Multi-entity management and approval workflow designer
  • An EEA card issuer in Lithuania

Where Payhawk is a step down from Expensify

  • The contracting company is in the UK, which is outside the EU
  • Plan prices not clear from the page read
  • More platform than a freelancer needs

Standout against Expensify. A separate EEA card issuer sits next to a UK parent.

payhawk.com Visit Payhawk
#10

ExpenseIn

a UK expense platform with receipt verification and an expense card

London, United KingdomCore, Advanced and Complete tiers, priced per user per month; Advanced adds 0.5% cashback on card spend and Complete 0.75%; pricing on request#10 in Expense Management

  • Which law reaches it. United Kingdom (adequacy decision, outside the EEA). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.

Best for: UK and Irish companies that want a demo-led expense system

ExpenseIn's business terms name Mobile Dynamics Limited, trading as ExpenseIn, incorporated in England and Wales under company number 09456735 with its registered office at 30 Old Bailey, London. Companies House shows the company under that number.

Its site lists mobile receipt scanning, receipt verification, automated policies, mileage recording, card reconciliation and an expense card. It does not show prices on the plans page that was read, so it is a demo-first purchase.

What ExpenseIn does better than Expensify

  • Receipt verification and automated policies on its own site
  • English company, English-language terms
  • Mileage recording and expense card in one product

Where ExpenseIn is a step down from Expensify

  • No prices published on the page read
  • UK contract, outside the EU
  • Narrower European coverage than Rydoo or Mobilexpense

Standout against Expensify. It lists receipt verification as a separate feature.

expensein.com Visit ExpenseIn
#11

Candis

an invoice platform that also handles expenses, with unlimited users

Berlin, GermanyBase from €389/month, Plus from €599/month, Max from €789/month, priced by document volume with unlimited users and entities; Visa corporate cards from €149/month#15 in Expense Management

  • Which law reaches it. EU (Germany). Expensify is run from the United States, so the CLOUD Act obliges the provider to hand over data on a valid order regardless of which country the servers are in.
  • Source code. Closed source, as Expensify is.
  • Independently checked. GoBD-certified digital archiving (Germany).

Best for: German SMEs that want invoices and expense claims in one place

Candis GmbH is at Karl-Liebknecht-Straße 5, 10178 Berlin, in the commercial register at Amtsgericht Charlottenburg under HRB 168078, according to its legal notice.

Its pricing page lists Base from €389 a month, Plus from €599 and Max from €789, with unlimited users and companies. The feature list includes reimbursement of expenses, meal and accommodation allowances and automatically calculated mileage allowance, and Candis Visa corporate cards are an add-on from €149 a month.

What Candis does better than Expensify

  • Unlimited users on every plan
  • Invoice processing and expense claims together
  • German company with a register number

Where Candis is a step down from Expensify

  • Starts at €389 a month, which is expensive for a team that only needs receipts
  • Priced by document volume, not by user
  • Invoice-first, so the expense side is a feature, not the product

Standout against Expensify. It is the only one here priced by document volume instead of by user.

candis.io Visit Candis

What actually breaks when you switch

The hard part of leaving Expensify is the history, not the app. Keep a copy of your exported reports and receipts for your own retention period, because the new tool starts empty and its archive will not contain old claims.

Check the accounting export first. Expensify lists QuickBooks Online, NetSuite, Xero, Sage Intacct and QuickBooks Desktop on its pricing page, and a European tool may support only some of them. Ask for the exact connector for your version, not just the brand name.

Watch minimums and quote-only pricing. Mobilexpense Declaree needs 20 users, Rydoo 5, Pleo Build 3, and Spendesk, Payhawk and ExpenseIn work by quote or demo.

Which of these is closest to Expensify for a small team?

N2F, Rydoo and Jenji are the closest in shape: a mobile app that scans receipts, a report you submit, mileage rates and a manager approval, priced per user. Bezala fits the same use case and bills only active claimants. Mobilexpense Declaree is similar but has a 20-user minimum on its published price.

None of them copies Expensify's long list of accounting integrations, so check that your own bookkeeping tool is supported before you commit.

What if I also want company cards?

Pleo, Moss, Spendesk and Payhawk are built around cards and treat the expense report as one part of a wider spend platform. Rydoo, Mobilexpense, Bezala and Candis also sell cards, either from their own pages or as an add-on.

Cards add a regulated payment partner to the contract. Read who issues the card and who is liable, which is stated on the vendor's own legal pages, not only the app maker.

Which tools publish prices I can check today?

N2F, Rydoo, Mobilexpense (Declaree), Bezala and Candis show euro figures on their own pricing pages. Jenji shows that Solo is free and does not show a number for its company plan. Pleo shows prices in pounds on the page that was read, so no euro price is quoted here. Moss, Spendesk, Payhawk and ExpenseIn work on quotes, free starts or demo requests.

Always confirm the price for your country and your billing period, because introductory offers and currency can change what you pay.

Do any of these have a free option?

Jenji Solo is free for independents. N2F offers a free trial, and so does Pleo. Moss says you can start free with its cards or accounts payable product, and Spendesk and ExpenseIn work through a quote or demo.

A free trial is not the same as a free plan. Check what happens to your data after the trial ends.

Does a European contract really matter for expenses?

It matters for where a dispute is decided, which consumer and labour rules apply, and who your data processor is. Expense data includes staff names, travel patterns and bank details, so many works councils and data protection officers ask the question.

For a freelancer submitting their own receipts it is a minor point. For a company with employees it becomes part of the supplier review.

Which one to pick

If you want the nearest thing to Expensify, with receipt scanning, reports and mileage at a price you can read, N2F is the place to start, with Rydoo as the alternative if you work across several countries. Freelancers should look at Jenji Solo first, since it is free.

If only a few people claim in any month, Bezala's active-user billing at €11 is worth working out. If you want staff cards as well, Pleo, Moss, Spendesk and Payhawk are the right family, and Mobilexpense suits companies with at least 20 users.

Candis is the odd one out. Pick it if invoices matter as much as expenses, not if you only want a receipt app.

Be realistic about the gap. Expensify has a long list of accounting integrations and a long-established scanning workflow, and none of the eleven imports its history. Switch if you want a European contracting party and a court close to home, and keep Expensify if a specific integration has no equivalent.

Frequently Asked Questions

N2F is the nearest match for a small team that wants receipt scanning and expense reports at a published price, with a free trial. Jenji is better if you are an independent and want a free plan, Bezala if few people claim each month, and Pleo or Moss if you want company cards as well.

No. Expensify, Inc. is based in Portland, Oregon, and its terms of service are a contract with that company, governed by California law with disputes sent to individual arbitration. EEA customers who use its card product are served by Transact Payments Malta Limited as card issuer, according to the footer of its pricing page.

It could not be checked. Expensify's pricing page is rendered in the browser, so no figure was readable for this page. Check the price for your plan on its own site.

N2F lists its single-user Business plan at €6.80 a month, or €5.10 with annual billing, excluding VAT, with a free trial. Rydoo lists euro plans starting at €8 per user per month on annual billing, with a minimum of 5 users, on a page where you can also switch currency.

Bezala lists €11.00 per active user per month, plus €3.50 per active card user for missing-receipt reminders. Mobilexpense lists its Declaree product at €8 per user per month with a minimum of 20 users, and cards from €4 per user. Candis lists Base from €389 a month, Plus from €599 and Max from €789, with unlimited users.

Its Solo plan is, according to Jenji's own pricing page, free for independents and covers expenses and mileage. The company plan, Silae Expense, is billed per user and the page shows no figure. Jenji is part of the Silae group, which it says it has belonged to since September 2022.

N2F is SAS N2JSOFT in Montagnat, France. Jenji belongs to SILAEXPERT SAS in Aix-en-Provence. Bezala is run by Renance Oy in Finland. Rydoo names Rydoo NV in Mechelen, Belgium. Mobilexpense is Mobilexpense SA in Brussels. Pleo is Pleo Technologies A/S in Copenhagen. Moss is Nufin GmbH in Berlin. Spendesk is a French SAS in Paris. Payhawk and ExpenseIn are registered in England, and Candis is Candis GmbH in Berlin.

No, both are registered in the United Kingdom (Payhawk Limited, company 11747263, and Mobile Dynamics Limited trading as ExpenseIn, company 09456735). The UK is outside the EU, so they are European in geography but contract under English law. Payhawk also has offices in Sofia and Vilnius and issues EEA cards through Payhawk Financial Services UAB.

There is no standard import between these tools. Plan to export reports from Expensify as files, keep them for your own retention period, and start fresh in the new tool from a clean date, usually the first day of a month or quarter.

N2F lists mileage allowances with a Google Maps module, Jenji lists automatic mileage calculation, Candis lists automatically calculated mileage allowance, and ExpenseIn lists mileage recording. Rates differ by country, so check the allowance tables for the country you claim in.

Pleo, Moss, Spendesk, Payhawk, Rydoo, Mobilexpense, Bezala, ExpenseIn and Candis all publish English pages. N2F has an English version of its site, and Jenji's legal and pricing pages are in French, so check its English availability before you rely on it.

Who worked on this review

Three people touch every comparison page: one writes it, a second edits it, and a third checks the compliance and pricing claims against the vendor's own documentation.

Daniel Brandt
Written by

Daniel Brandt

Privacy & Compliance Researcher · Berlin, Germany

Checks the compliance claims: where the company is established, where the data sits, and what the DPA actually says.

Marta Kowalczyk
Edited by

Marta Kowalczyk

Senior Analyst, Infrastructure & Developer Tools · Warsaw, Poland

Covers hosting, developer tooling and the practical side of moving workloads to European providers.

Ingrid Halvorsen
Fact-checked by

Ingrid Halvorsen

Managing Editor · Oslo, Norway

Runs the review process and decides when a page is ready to publish or needs another pass.

Read our editorial process for how we source, verify and update these pages — and how we keep affiliate income separate from what we recommend.

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