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Monthly price
Annual price

Essential

£33.00

for 3 users (+£11pm/user)

Try free
Complete control over everyday team spending

Physical or virtual Expend cards with built-in budgets and spending controls

Capture receipts and see company spending in real-time

Record business mileage using HMRC rates

Elevate

£39.00

for 3 users (+£13pm/user)

Try free
Automate expense admin without changing your cards

Connect existing Visa or Mastercard cards with Card Connect™

AI extracts and categorises receipt information automatically

Automate approvals, receipt reminders and accounting syncs

Enhanced

£48.00

for 3 users (+£16pm/user)

Try free
Remove finance bottlenecks as your organisation grows

AI matches receipts to transactions, with bulk review and approval

Reimburse employees directly from your business bank account

Track business mileage automatically using GPS

Not sure which plan to choose?
Choose the plan with the features you want to try first, and switch plans any time before your trial ends.

View the feature list here
Rated Excellent on Trustpilot

100% satisfaction, guaranteed

Choose Expend with confidence. See the difference for your business, backed by a 90-day money-back guarantee.

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Expend has streamlined the expenses of my clients making them easy to manage and control. If you're still processing expenses the traditional way it's time to stop. Once you implement Expend you will never look back!
★★★★★

Heather Palmer – Review
Heather Palmer

Go Crisis

Best expenses system I've ever used. Used many different expenses systems over the past 30 years. This one is brilliant. Easy to use, the app is excellent to use on the go and it's very easy to review and manage my teams expenses.
★★★★★

Mark Allatt – Review
Mark Allatt

Credenhill Limited

Expend is really easy to use, especially when you’re on the fly. Don’t let them build up and take half a day at the end of the month, just photograph your receipt on the app. It’s brilliant and fill in a few details and you’re good to go. Much better than Concur in my opinion and I’ve used both.
★★★★★

Ade Aynsley – Review
Ade Aynsley

Norseal

Such an easy application to use when recording daily work receipts and expenses.
Very easy to navigate around when mobile, and a desktop site which has everything to hand. Same functions as a high street bank. Great expense platform.
★★★★★

James Eke – Review
James Eke

Chimera Recruitment

Expend has made collating my expenses so much easier than before. If I am working remotely then I can log my expenses immediately without having to hold on to numerous paper receipts and risk them being lost or damaged.
★★★★★

George Knott

Magicman

Expend is quick and easy to use. Allows team leaders and Business Support autonomy when purchasing. The phone app is quick and intuitive when photographing receipts on the go.
★★★★★

Lindsey Miller – Review
Lindsey Miller

Bright Interactive

Expend has streamlined the expenses of my clients making them easy to manage and control. If you're still processing expenses the traditional way it's time to stop. Once you implement Expend you will never look back!
★★★★★

Heather Palmer – Review
Heather Palmer

Go Crisis

Best expenses system I've ever used. Used many different expenses systems over the past 30 years. This one is brilliant. Easy to use, the app is excellent to use on the go and it's very easy to review and manage my teams expenses.
★★★★★

Mark Allatt – Review
Mark Allatt

Credenhill Limited

Expend is really easy to use, especially when you’re on the fly. Don’t let them build up and take half a day at the end of the month, just photograph your receipt on the app. It’s brilliant and fill in a few details and you’re good to go. Much better than Concur in my opinion and I’ve used both.
★★★★★

Ade Aynsley – Review
Ade Aynsley

Norseal

Such an easy application to use when recording daily work receipts and expenses.
Very easy to navigate around when mobile, and a desktop site which has everything to hand. Same functions as a high street bank. Great expense platform.
★★★★★

James Eke – Review
James Eke

Chimera Recruitment

Expend has made collating my expenses so much easier than before. If I am working remotely then I can log my expenses immediately without having to hold on to numerous paper receipts and risk them being lost or damaged.
★★★★★

George Knott

Magicman

Expend is quick and easy to use. Allows team leaders and Business Support autonomy when purchasing. The phone app is quick and intuitive when photographing receipts on the go.
★★★★★

Lindsey Miller – Review
Lindsey Miller

Bright Interactive

Features Table

Expense Management

Essential

Elevate

Enhanced

Per additional user per month (monthly plan)

£12

£15

£18

Per additional user per month (annual plan)

£11

£13

£16

Expend debit card with budget + spend controls

Real-time expense tracking

Card Connect™ - connect any Visa or Mastercard to your Expend account for real-time transaction data

Mileage tracking with HMRC Fuel Rates

Mileage tracking with HMRC Fuel Rates + GPS

Spend notifications in app

Instant Extract - AI-powered receipt data extraction using OCR

SmartCat - AI-powered automatic expense categorisation

AI receipt-to-transaction matching

Duplicate invoice detection

Customised Expense Policies

Assign expense approver roles with customisable expense approval workflows

Automated missing receipt reminders

Expense approvals completed in mobile app or web

Review + approve expenses in bulk

Automatic invoice data extraction from emails

Petty cash + out-of-pocket claims

Reimbursement functionality

Expense Cards

Essential

Elevate

Enhanced

Cashback on eligible spend

Set spending controls per card

Set budget controls (weekly, monthly, project based)

Recurring Limits

Apple Pay + Google Pay payments

One-Time Passcode (OTP) Authentication

Freeze cards

Turn on/off magstripe use

Turn on/off online purchases

Turn on/off ATM withdrawals

Merchant (MCC) Blocking

Card Connect™

Essential

Elevate

Enhanced

Connect a Visa business card

Connect a Mastercard business card

Get real-time transaction data from connected cards

Complete expense claims for purchases made on connected cards in-app

Security

Essential

Elevate

Enhanced

Two-Factor Authentication (2FA)

Biometric in-app security

AI Fraud detection

Instant card locking if lost/stolen

Country / Region controls

Analytics

Essential

Elevate

Enhanced

Real-time overview of all expenses

Audit exports for finance/governance

Live spend analytics + insights for teams

Time-stamped user activity logs

Spending category analytics

Accounting

Essential

Elevate

Enhanced

Xero, QuickBooks and other leading accounting software integrations

Custom exports (CSV)

Accountant or Bookkeeper access

Support

Essential

Elevate

Enhanced

Bulk user onboarding + provisioning

Online help guides + videos

Live chat, email + phone support

Dedicated Onboarding Manager

Dedicated Account Manager

Dedicated Customer Success Manager

Expend Expert 121 training sessions

Fees

Essential

Elevate

Enhanced

FX fee on Expend card purchases

3%

2%**

1%**

0% FX Add-on (**Reduce FX fee to 0% with this Add-on)

n/a

£3 per user per month

£1 per user per month

ATM Cash withdrawals

£2 within UK, £3 outside UK

£1 within UK, £2 outside UK

Free

Reimbursement fees (per reimbursement)

n/a

0.9% (max £1)

0% (free)

Cross border payments (Inbound)

£7

£7

£7

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Expend® 2025. All rights reserved. Expend Limited is a company incorporated in the UK with company registration number 08531792. To facilitate payments and offer financial products, Expend Limited works together with Adyen UK, which is authorised by the Prudential Regulatory Authority and the Financial Conduct Authority. The Expend Prepaid Mastercard is issued by Prepaid Financial Services Limited pursuant to a license by Mastercard. Prepaid Financial Services Limited is authorised and regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference Number 900036, for the issuance of electronic money and provision of payment services; Registered Office; Prepaid Financial Services Ltd, 4th Floor, 35 Great St Helen’s, London, EC3A 6AP. Company Registration number: 06337638.