Every European expense management tool reviewed
Copenhagen, Denmark
Per active user, per month
Demo on request
Best for: Teams that want expense reports to stop existing
Pleo is a Danish spend management company built around a simple inversion: instead of employees paying and claiming back, everyone gets a company card and the software collects the receipt at the moment of purchase. What is left for finance is review rather than reconstruction.
It is the most complete execution of the card-first idea in Europe. Limits, categories and approval rules sit on the card itself, receipts are prompted for by push notification within seconds of the transaction, and the entry reaches the accounting system already coded — into Xero, e-conomic, DATEV, Exact and the other European ledgers.
Pleo is headquartered in Copenhagen and holds an EMI licence, operating across a dozen European markets. That matters more than usual here: spend data is a detailed record of what a company does and with whom, and a European issuer keeps both the money and the data under EU supervision.
What Pleo does well
- Cards with per-card limits and rules
- Receipt captured at the moment of purchase
- Direct sync into the European ledgers
- EMI licence — issuer and processor in one
- Per active user pricing, free tier available
- Reimbursements and invoices alongside cards
Where Pleo falls short
- Card-first model needs a policy conversation first
- Fewer enterprise controls than Yokoy or Payhawk
- Multi-entity support thinner than Payhawk's
- Pricing scales with active spenders
Standout feature. The expense report disappears entirely — the receipt is captured before anyone thinks about filing.
Paris, France
Subscription + per user
Demo on request
Best for: Finance teams that want control at the request, not the receipt
Spendesk is a French spend management platform that starts one step earlier than most: before a purchase happens rather than after. Requests, approvals and budgets come first, and cards, invoices and reimbursements execute what was already agreed.
For a company whose problem is not lost receipts but uncontrolled commitments — subscriptions nobody remembers signing, budgets discovered at month end — that ordering is the difference between reporting on spend and governing it. Purchase requests carry approval chains, and budgets show live consumption rather than a monthly retrospective.
Spendesk is headquartered in Paris and holds a French payment institution licence, so both the regulated activity and the data stay under EU supervision. For a platform that sees every supplier relationship a company has, that is a commercial confidentiality question as much as a privacy one.
What Spendesk does well
- Approval workflows before money is committed
- Budgets with live consumption
- Cards, invoices and subscriptions in one place
- French payment institution licence
- Supplier invoice capture and payment
Where Spendesk falls short
- More process than a small team may want
- Platform fee plus per-user pricing
- Quoted by company size rather than published
- Implementation heavier than a card-first tool
Standout feature. Spend governed at the request stage, not reported on after the card was used.
Berlin, Germany
Per user, per month
Demo on request
Best for: German and DACH companies whose accountant works in DATEV
Moss is a Berlin spend management platform covering corporate cards, invoice processing and expense claims, with an unusually deep commitment to the German accounting workflow — which in practice means DATEV.
For a German company that integration is not a feature, it is the decision. Moss exports into DATEV in the form the Steuerberater expects, with tax codes and document links already attached, removing the monthly reconciliation that international platforms create when they meet German bookkeeping practice.
Moss is headquartered in Berlin and operates across the DACH region and beyond, with physical and virtual cards, invoice approval workflows and per-team budgets alongside the accounting integration. German companies handing complete supplier and spend data to a US processor face both GDPR questions and that practical mismatch.
What Moss does well
- DATEV export in the expected shape
- Cards, invoices and reimbursements together
- Per-team budget tracking
- Berlin-based, German hosting
- Card issuing included in the subscription
Where Moss falls short
- Strongest in DACH, thinner elsewhere
- Fewer multi-entity features than Payhawk
- Per-user pricing quoted by company size
- Less approval depth than Spendesk
Standout feature. A DATEV export your Steuerberater accepts without rework — the whole German buying case.
London, United Kingdom (engineering in Sofia, Bulgaria)
Subscription + per user
Demo on request
Best for: Companies running several legal entities across European countries
Payhawk is a spend management platform aimed at the case that breaks most competitors: a group with several legal entities, in several countries and currencies, that nevertheless wants one view of spend and one set of policies.
Entities, currencies and local VAT rules are first-class concepts rather than separate accounts stitched together, with consolidated reporting across them and no export step — the capability an international group discovers it needs about a year in. Integrations cover NetSuite, Microsoft Dynamics, DATEV and the other ERPs a group that size tends to run.
Payhawk was founded and is engineered in Sofia, Bulgaria, with the group headquartered in London. That makes it a European company under UK rather than EU jurisdiction, covered by the adequacy decision rather than by intra-EEA processing — small for most buyers, not small for some procurement rules, and worth confirming which entity you contract with.
What Payhawk does well
- Multi-entity and multi-currency as core concepts
- Consolidated reporting without exports
- Cards, invoices and reimbursements across entities
- Deep ERP integrations including DATEV and NetSuite
- Engineering and support inside Europe
Where Payhawk falls short
- UK headquarters rather than intra-EEA processing
- More platform than a single-entity company needs
- Subscription quoted per group rather than published
- Multi-entity features sit in higher tiers
Standout feature. One spend platform across a group of entities instead of one platform per country.
Zurich, Switzerland
Enterprise subscription
Demo on request
Best for: Large enterprises automating expense approval end to end
Yokoy is a Swiss spend management platform built for enterprise scale, with automation as the central claim: expenses, invoices and cards processed and approved by models rather than by people, with humans handling only the exceptions.
It targets the volume problem specifically. At tens of thousands of expenses a month the cost is not the software but the approval labour, and Yokoy's case is that most of those decisions can be made automatically against policy with an audit trail behind them. The business case is built on approval effort removed rather than licence cost.
Yokoy is headquartered in Zurich. Switzerland sits outside the EU but holds an adequacy decision, and Swiss data protection law is frequently regarded as stricter than the GDPR — a defensible place for enterprise spend data to live, with SAP and other ERP integrations for the systems around it.
What Yokoy does well
- Automated expense auditing against policy
- Built for high transaction volume
- Enterprise controls across entities and hierarchies
- Swiss data protection with EU adequacy
- SAP and ERP integrations
Where Yokoy falls short
- Enterprise pricing and implementation
- Overkill below significant volume
- Swiss rather than intra-EEA processing
- Automation needs clean policy definitions to work
Standout feature. Approval labour removed at volume, with an audit trail behind every automated decision.
Berlin, Germany
Per user, per month
Demo on request
Best for: German employers combining expense claims with benefit allowances
Circula is a Berlin platform covering expense management alongside the tax-free employee benefits German employers actually use — meal allowances, mobility budgets, internet allowances — administered under the same rules and handed to payroll through the same export.
Combining the two is specific to the German tax regime and genuinely useful there. Benefit allowances have to be documented to the same standard as expenses to stay tax-free, and running them through one system removes a parallel administrative process most companies still handle in spreadsheets. Expense capture with OCR and policy checks, corporate cards, travel expenses with per diems and DATEV export complete the picture.
Circula is based in Berlin with German hosting, and the product exists because of German rules on benefits and allowances — a category an international vendor cannot really localise into, because the rules are the product.
What Circula does well
- Tax-free benefit allowances alongside expenses
- German tax rules built in, not configured
- DATEV export for payroll and accounting
- Corporate cards and per diems included
- Berlin company, German hosting
Where Circula falls short
- Value is concentrated in the German tax regime
- Less useful for a company with no German entity
- Per-user pricing adds up across a large workforce
- Benefits modules priced on top of expenses
Standout feature. Expenses and tax-free benefits documented to the same standard, in one system.
Mechelen, Belgium
Per user, per month
Demo on request
Best for: Companies with travelling staff across multiple European countries
Rydoo is a Belgian travel and expense platform focused on the part that gets genuinely hard in Europe: per diems, mileage rates and expense rules that differ by country and are reissued every year.
That maintenance is the differentiator. A company with staff moving between Belgium, Germany and France is dealing with three sets of allowance rules and three tax treatments, and Rydoo maintains those rules so finance does not have to — exactly the work US platforms leave to the customer.
Rydoo is headquartered in Mechelen and grew out of the Sodexo group before becoming independent again. Its rule library is European by origin rather than by localisation, alongside mobile expense capture with OCR, travel booking and approval, and exports into the major ERPs and payroll systems.
What Rydoo does well
- Per diem and mileage rules maintained by country
- Travel booking alongside expense capture
- Policy compliance checked before submission
- Belgian company, EU jurisdiction
- ERP and payroll exports
Where Rydoo falls short
- Card issuing less central than Pleo or Moss
- Travel booking depth varies by market
- Per-user pricing with features tiered
- Less suited to companies without travel
Standout feature. European per diem and mileage rules maintained for you, country by country, year by year.
Paris, France
Per card, per month
Demo on request
Best for: French companies wanting card spend booked automatically
Mooncard is a Paris corporate card platform built around French accounting practice: each transaction arrives with its accounting and VAT entry already generated, ready for the expert-comptable rather than waiting to be coded by hand.
The accounting entry is the product. French VAT recovery and the URSSAF treatment of expenses have specific requirements, and a card platform that produces compliant entries automatically removes the monthly work international tools leave to the accountant. Physical and virtual cards carry configurable policy rules, and mileage and per diems are handled under French rules with exports into the common French accounting packages.
Mooncard is based in Paris and built for the French regime. The alternative for a French company is an international platform plus a monthly reconciliation — which is precisely the cost this product removes.
What Mooncard does well
- Accounting and VAT entries generated per transaction
- French VAT and URSSAF rules built in
- Mileage and per diems handled natively
- Exports into the common French accounting packages
- Paris company, French jurisdiction
Where Mooncard falls short
- Designed around French accounting, less useful elsewhere
- Priced per card, so scattered card use costs more
- Narrower feature set than a full spend platform
- Documentation and support strongest in French
Standout feature. Card transactions that arrive as finished accounting entries, not as a coding job.
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
Free trial (Business and Enterprise plans)
Best for: French SMEs wanting simple mileage-led expense reports
N2F is a French expense-report app built around the two things a French SME actually files most: mileage and simple reimbursements, priced by seat rather than by transaction volume. A freelancer plan starts under €7 a month, and a small team can add multi-user validation and bank-transfer exports for under €10 a user.
It does not issue cards — expenses are entered, scanned or claimed rather than captured mid-purchase — so it sits closer to a digitised expense-report process than to a card-first platform like Pleo or Mooncard. What it adds instead is a direct SEPA bank-transfer file for reimbursements and, on the Advanced tier, payroll and multi-entity exports.
N2F is published by SAS N2JSOFT from Montagnat, near Bourg-en-Bresse, with no parent company named in its own legal notice. For a small or mid-sized French company whose problem is genuinely late, messy expense claims rather than uncontrolled card spend, that narrower scope is a reasonable trade for a lower price.
What N2F does well
- Priced per user from under €7/month
- Mileage tracking and bank-transfer reimbursement built in
- Free trial on the Business and Enterprise plans
- Multi-entity and payroll export on the Advanced tier
- Independently published, no parent company
Where N2F falls short
- No card issuing — reimbursement rather than prevention
- Advanced tier pricing not published
- Interface and support are French-first
- Thinner ERP integration list than Moss or Payhawk
Standout feature. A mileage-and-reimbursement specialist rather than a card platform, priced for a small French team.
London, United Kingdom
Founded 2015
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
Demo on request
Best for: UK teams wanting expense cards with built-in cashback
ExpenseIn is a UK platform trading through Mobile Dynamics Ltd, incorporated in 2015, built around unlimited expense cards included on every tier and issued through Stripe's UK and Irish card programmes. Policies, approvals and mobile receipt scanning sit around that card programme rather than being sold as an extra.
Its three tiers — Core, Advanced and Complete — add cashback on card spend as you move up: 0.5% on Advanced, 0.75% on Complete, alongside multi-entity support, SSO and, at the top, an API and carbon reporting. None of the tiers publish a price; every quote goes through a demo.
As a UK company, ExpenseIn falls under the UK's adequacy decision rather than intra-EEA processing, worth confirming for any EU entity with a data-residency requirement. For a UK-based team, the combination of unlimited cards and cashback on spend is a genuine cost offset most competitors here don't offer.
What ExpenseIn does well
- Unlimited expense cards on every plan
- Cashback on card spend from the Advanced tier up
- Multi-entity support and SSO on Advanced and Complete
- Carbon reporting and API access on Complete
- Cards issued through Stripe UK/Ireland programmes
Where ExpenseIn falls short
- No published pricing — every plan needs a demo
- UK entity, outside intra-EEA processing
- Fewer European accounting integrations than Moss or Pleo
- Cashback only from the Advanced tier up
Standout feature. Unlimited cards on every plan, with cashback that actually offsets part of the subscription.
Brussels, Belgium
Founded 2000
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
Best for: Belgian-led groups choosing between Declaree and MXP
Mobilexpense is a Brussels platform with two decades behind it: founded in 2000, it absorbed Declaree and Expense.se in 2019-2020 and unified them under the Mobilexpense brand in 2021, before Visma acquired the company in 2024. That history shows up as two live product lines — Declaree for simpler needs, MXP for larger multinationals — rather than one.
Declaree starts at €8 per user a month with a 20-user minimum, MXP is quoted individually, and business credit cards are a separate module from €4 a user. That is a lower entry price than most card-first competitors here, but the card programme itself is an add-on rather than the core of the product.
Mobilexpense states customer data is kept in the EU/EEA and holds ISO 27001:2022 certification. Being part of Visma — a large Nordic software group rather than an independent company — is worth knowing going in, though Visma itself is European and the Brussels entity remains the contracting party.
What Mobilexpense does well
- Two product lines (Declaree, MXP) for different company sizes
- Lower entry price than most card-first tools here
- ISO 27001:2022-certified with stated EU/EEA data residency
- Two decades of operating history
- Mileage, per diem and HR integrations available
Where Mobilexpense falls short
- 20-user minimum on both plans
- Cards are a separate add-on, not built in
- No longer independent — part of the Visma group
- MXP pricing not published
Standout feature. Two decades of Belgian expense-management history, now inside a larger European software group.
Nørresundby, Denmark
Founded 1992
Sold as a Microsoft Dynamics 365 Business Central add-on via Microsoft AppSource and partners; price set by the partner, not published by Continia
Free trial via Microsoft AppSource
Best for: Business Central users wanting expenses inside their ERP
Continia is a Danish software house, founded in 1992 in Aalborg and owned since 2018 by VIA equity, a Nordic private equity fund. Its Expense Management product is not a standalone app but an add-on to Microsoft Dynamics 365 Business Central, distributed through Microsoft AppSource and Continia's reseller network.
For a company already running Business Central, that is the appeal: receipts, mileage (via Google Maps), per diems and corporate-card imports post directly into the general ledger without a separate export step, because there is no separate system to export from. For anyone not on Business Central, the product simply does not apply.
Continia publishes no price on its own site — cost is set by the reselling partner, which makes comparison harder than with a directly-priced SaaS tool. A free trial is available straight from the Microsoft AppSource listing, which is the fastest way to see the real number for your own tenant.
What Continia does well
- Posts directly into the Business Central general ledger
- AI receipt scanning with Google Maps mileage
- Per diem calculation and card-transaction import
- 30+ years focused on the Microsoft Dynamics ecosystem
- Free trial available via Microsoft AppSource
Where Continia falls short
- Only useful if you already run Business Central
- No published pricing — set by the reseller
- Not a fit for companies on other ERPs
- No card issuing of its own, import only
Standout feature. Expense management that lives inside Business Central instead of syncing into it afterwards.
Espoo, Finland
Founded 2015
€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
Best for: Nordic teams that want to pay only for active users
Bezala is a Finnish platform, published by Renance – Automated Financial Services Oy from Espoo and founded in 2015, covering expense claims, non-salary compensation and basic time tracking in one subscription. Its pricing model is the notable part: €10.50 per active user a month, and a company is billed only for employees who actually submit a claim that period.
That matters because most expense tools price by total headcount whether or not someone files a claim in a given month — Bezala's own estimate is that around 30% of staff use it in any given month, which is a real saving over per-seat pricing at scale. A separate module adds receipt reminders for people using an existing company card, for €3.20 a month per active card user.
Bezala does not appear to issue its own cards; the card module reconciles receipts against cards a company already has rather than replacing them. For Nordic and Finnish-heavy teams with irregular expense filers, the active-user pricing is the clearest reason to look here over a flat per-seat competitor.
What Bezala does well
- Billed only for users who actually file a claim
- Combines expenses, benefits and time tracking
- Founded and based in Finland since 2015
- Enterprise terms available above 100 employees
- Integrates with Nordic accounting platforms
Where Bezala falls short
- No card issuing of its own
- Strongest in Nordic markets, thinner elsewhere
- Card-reminder module is a separate line item
- Less card-programme depth than Pleo or Circula
Standout feature. The only tool here billed by who actually filed an expense that month, not by headcount.
Aix-en-Provence, France
Jenji Solo free for independent contractors; Silae Expense priced per user per month, quote on request
Free 'Solo' plan for freelancers
Best for: Freelancers and French SMEs wanting a free starter plan
Jenji is a French expense-report app, published by Silaexpert SAS from Aix-en-Provence, that became part of Groupe Silae — a French payroll and HR software group headquartered in the same city — in September 2022. Its pricing reflects that split identity: a free 'Solo' plan for independent contractors, and a paid, per-user 'Silae Expense' plan for small and mid-sized companies.
Mobile receipt capture and configurable approval workflows cover the core of expense filing, but Jenji is not a card platform: there is no card issuing here, only claims and reimbursements against a policy. That puts it in the same category as N2F rather than the card-first tools further up this ranking.
The move into the Silae group is recent enough that the two brands still sit side by side on the pricing page, and a buyer should expect closer integration with Silae's payroll product over time rather than a fully independent roadmap. For a solo consultant, the free plan alone is a genuine reason to look.
What Jenji does well
- Free "Solo" plan for independent contractors
- Configurable approval workflows for small teams
- Part of a substantial French payroll and HR group
- Mobile receipt capture with policy checks
Where Jenji falls short
- No card issuing — reimbursement only
- Recently absorbed into Groupe Silae, roadmap in flux
- Silae Expense pricing not published
- French-market focus, less suited elsewhere
Standout feature. A free plan for freelancers, backed by a French payroll group rather than an independent roadmap.
Berlin, Germany
Founded 2015
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
30-day free trial
Best for: German companies pricing AP and expenses by document volume
Candis is a Berlin accounts-payable and expense platform, founded in 2015, that prices differently from everything else in this ranking: by document volume rather than by user. Base starts at €389 a month, Plus at €599 and Max at €789, and every tier includes unlimited users and unlimited legal entities — the opposite trade-off from a per-seat tool like Bezala or Rydoo.
Invoice capture and approval sit at the centre of the product, with expense reimbursement, mileage and travel costs handled alongside rather than as the headline feature; a Visa corporate card is available as a separate add-on from €149 a month. GoBD-certified archiving — the German standard for tax-relevant digital records — is built in, which matters specifically for a German Steuerberater.
For a company whose real cost driver is invoice volume rather than headcount, or that wants every subsidiary on one contract without per-user fees, that pricing model is the actual pitch. For a smaller team with few invoices but many expense-filing employees, a per-user competitor is likely to be cheaper.
What Candis does well
- Unlimited users and legal entities on every plan
- Priced by document volume, not headcount
- GoBD-certified archiving for German tax records
- 30-day free trial
- DATEV, SAP Business One and Business Central integrations
Where Candis falls short
- Volume-based pricing can cost more for high-headcount, low-volume teams
- Visa card is a separate add-on
- German-market focus in its compliance features
- Minimum monthly cost higher than most per-user tools here
Standout feature. Priced by document volume with unlimited users included, the opposite bet from every per-seat tool here.
