Essential
£33.00
/ monthfor 3 users (+£11pm/user)
Control everyday employee spending across teams and cards
Features
Give employees physical or virtual Expend cards with budgets and spending controls
Capture receipts and see who spent what in real time
Record business mileage and calculate claims using HMRC rates
Elevate
£39.00
/ monthfor 3 users (+£13pm/user)
Keep your existing cards. Reduce expense admin.
Features
Everything in Essential, plus:
Connect eligible Visa and Mastercard business cards with Card Connect™
Automatically extract receipt details and categorise expenses, reducing manual entry
Reduce follow-ups with automated approvals, receipt reminders and accounting sync
Enhanced
£48.00
/ monthfor 3 users (+£16pm/user)
Spend less time reviewing expenses and paying employees back
Features
Everything in Elevate, plus:
Automatically match receipts to transactions, reducing manual checking
Review and approve expenses in bulk to keep claims moving
Pay multiple employees back in one payment run from your business bank account
Track business mileage automatically with GPS, reducing manual journey logging
100% satisfaction, guaranteed
Choose Expend with confidence. See the difference for your business, backed by a 90-day money-back guarantee.
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!
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.
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.
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.
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.
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.
Compare all features
Expense Management
| Feature | 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 | Included | Included | Included |
| Real-time expense tracking | Included | Included | Included |
| Card Connect™ - connect any Visa or Mastercard to your Expend account for real-time transaction data | Not included | Included | Included |
| Mileage tracking with HMRC Fuel Rates | Included | Included | Included |
| Mileage tracking with HMRC Fuel Rates + GPS | Not included | Not included | Included |
| Spend notifications in app | Included | Included | Included |
| Instant Extract - AI-powered receipt data extraction using OCR | Not included | Included | Included |
| SmartCat - AI-powered automatic expense categorisation | Not included | Included | Included |
| AI receipt-to-transaction matching | Not included | Not included | Included |
| Duplicate invoice detection | Not included | Not included | Included |
| Customised Expense Policies | Not included | Not included | Included |
| Assign expense approver roles with customisable expense approval workflows | Not included | Included | Included |
| Automated missing receipt reminders | Not included | Included | Included |
| Expense approvals completed in mobile app or web | Not included | Included | Included |
| Review + approve expenses in bulk | Not included | Not included | Included |
| Automatic invoice data extraction from emails | Not included | Included | Included |
| Petty cash + out-of-pocket claims | Included | Included | Included |
| Reimbursement functionality | Not included | Included | Included |
Expense Cards
| Feature | Essential | Elevate | Enhanced |
|---|---|---|---|
| Cashback on eligible spend | Not included | Included | Included |
| Set spending controls per card | Included | Included | Included |
| Set budget controls (weekly, monthly, project based) | Included | Included | Included |
| Recurring Limits | Not included | Included | Included |
| Apple Pay + Google Pay payments | Included | Included | Included |
| One-Time Passcode (OTP) Authentication | Included | Included | Included |
| Freeze cards | Included | Included | Included |
| Turn on/off magstripe use | Included | Included | Included |
| Turn on/off online purchases | Included | Included | Included |
| Turn on/off ATM withdrawals | Included | Included | Included |
| Merchant (MCC) Blocking | Not included | Not included | Included |
Card Connect™
| Feature | Essential | Elevate | Enhanced |
|---|---|---|---|
| Connect a Visa business card | Not included | Included | Included |
| Connect a Mastercard business card | Not included | Included | Included |
| Get real-time transaction data from connected cards | Not included | Included | Included |
| Complete expense claims for purchases made on connected cards in-app | Not included | Included | Included |
Security
| Feature | Essential | Elevate | Enhanced |
|---|---|---|---|
| Two-Factor Authentication (2FA) | Included | Included | Included |
| Biometric in-app security | Included | Included | Included |
| AI Fraud detection | Included | Included | Included |
| Instant card locking if lost/stolen | Included | Included | Included |
| Country / Region controls | Not included | Included | Included |
Analytics
| Feature | Essential | Elevate | Enhanced |
|---|---|---|---|
| Real-time overview of all expenses | Included | Included | Included |
| Audit exports for finance/governance | Not included | Included | Included |
| Live spend analytics + insights for teams | Not included | Included | Included |
| Time-stamped user activity logs | Not included | Included | Included |
| Spending category analytics | Not included | Included | Included |
Accounting
| Feature | Essential | Elevate | Enhanced |
|---|---|---|---|
| Xero, QuickBooks and other leading accounting software integrations | Not included | Included | Included |
| Custom exports (CSV) | Not included | Included | Included |
| Accountant or Bookkeeper access | Included | Included | Included |
Support
| Feature | Essential | Elevate | Enhanced |
|---|---|---|---|
| Bulk user onboarding + provisioning | Not included | Not included | Included |
| Online help guides + videos | Included | Included | Included |
| Live chat, email + phone support | Not included | Included | Included |
| Dedicated Onboarding Manager | Not included | Included | Included |
| Dedicated Account Manager | Not included | Not included | Included |
| Dedicated Customer Success Manager | Not included | Not included | Included |
| Expend Expert 121 training sessions | Not included | Not included | Included |
Fees
| Feature | 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 |