Flexible pricing that scales with your business
90-day Satisfaction Guarantee - or your money back*
Essential
£33.00
/ monthfor 3 users (+£11pm/user)
For simple, compliant spend control
Features
Expend debit card with budget + spend controls
Real-time expense tracking
Mileage tracking with HMRC Fuel Rates
Petty cash + out-of-pocket claims
Apple Pay + Google Pay payments
UK VAT-ready compliance + VAT splits
Live spend analytics + insights
Elevate
£39.00
/ monthfor 3 users (+£13pm/user)
For growing teams who want more automation
Features
Cashback* on eligible spend
Everything in Essential, plus:
Card Connect™ - connect any Mastercard/Visa for instant transaction feeds
SmartCat™ - AI automatic expense categorisation
Instant Extract™ - AI receipt capture (OCR)
In-app expense approvals across teams
Configurable approval workflows
Receipt + invoice inbox (document management)
Automated missing receipt reminders
Accounting integrations with Xero, QuickBooks and other leading software
Expend Expert onboarding sessions
Live chat, email + phone support
0% FX fees on Expend card spend (optional add-on)
Enhanced
£48.00
/ monthfor 3 users (+£16pm/user)
For finance teams who need advanced control
Features
Cashback* on eligible spend
Everything in Elevate, plus:
Mileage tracking with HMRC Fuel Rates and GPS
AI receipt-to-transaction matching
Review + approve expenses in bulk
Reimbursement functionality
Advanced ERP / HRIS integrations
Bulk user onboarding + provisioning
Custom expense fields + categorisation coding rules
Multi-entity management
Custom reports + advanced analytics
Dedicated Expend expert + priority response times
0% FX fees on Expend card spend (optional add-on)
Elements
Enquire for pricing
For businesses with custom needs
Features
Cashback* on eligible spend
Build your plan:
Custom pricing + terms
Modular setup - choose the modules you need
Dedicated Customer Success Manager
Custom integrations + API support
Configurable workflows to match your processes
Advanced permissions + controls
Built to scale across teams + entities
Implementation support + solution design
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 |
* for eligible customers only
Will Expend scale with my business?
How do Expend cards work?
Each Expend card has an individual spending allowance and is linked to a central float account, where the funds are spent from. This makes topping up Expend cards extremely easy! Only the float account needs to be monitored and topped up (and we will send you reminders when your balance gets low).
If you have existing business credit cards on the Visa or Mastercard network that you would like to link to Expend, this can be done via our Card Connect feature.
Who can use Expend cards?
Any employee (permanent or temporary) who is over the age of 18 can use an Expend card. With every employee membership to Expend, a card can be ordered for them - free of charge. You can learn how to apply for an Expend card using the link below.
Please note, an employee's use of an Expend card is under the management and responsibility of their employer and is by the discretion of their employer, and can be revoked or terminated at any time.
How does cashback work?
Eligible customers on an annual plan will earn cashback on transactions made with an Expend card (excluding ATM withdrawals). Every month, your cashback is added to your Expend account so you can put it straight towards new business expenses. The cashback amount is capped at your total subscription amount, covering both platform and applicable user fees. Save time. Save money. With Expend, it’s that simple.
How do I get cashback?
Cashback is available for eligible customers. Get in touch with our sales team to learn more about cashback conditions.
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!
Use Expend a lot - an easy to use system, love the reminders to add receipts.
The online system and app are very easy to use. If I ever have any queries or issues with anything, the team always respond to me very quickly and are very helpful and knowledgeable about the system.
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.
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.
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.
Convenient and fast, perfect for bigger business. Customer care is top notch.
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.
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.
Completely happy. We are an SME and have now used expend for a couple of years for all our management's expenses and travel, plus the odd small purchase. What we like is the ease of use + the ability to set budget limits. The cost is also very reasonable. We have had a positive experience throughout without a single problem or issue.
Would recommend. Expend is easy to use and has made expensing so much easier. I find their mobile app especially useful as it lets you scan receipts immediately.
Simple and efficient. The Expend card has given our team members the flexibility they need, and has given the managers a high level of control. The process of submitting expense records (receipts) is very simple, and saves so much time for everyone.
