What's the best free business expense card in Europe?

Wallester Business is the only platform offering a completely free plan with 300 virtual cards, unlimited physical cards, and unlimited users. Other platforms like Pleo offer limited free tiers, but charge per-user fees as you grow. Revolut Business discontinued its free plan in 2025 — the Basic plan now starts at €10 /month.

What hidden fees should I watch for with business expense cards?

The most common hidden fees are: FX markups (1-3% on top of network rates), ATM withdrawal fees, per-user monthly charges that escalate with team size, card replacement fees, account closure fees, and minimum balance requirements. Always request the full fee schedule before signing up.

Visa or Mastercard — does it matter for business cards in Europe?

Both are widely accepted across Europe. Visa has a slight edge in global merchant coverage (80M+ vs 70M+ acceptance points), which matters for international travel and non-EU online purchases. Within the EU, either works fine.

How many virtual cards does a small business actually need?

More than you think. Best practice: one card per SaaS subscription, per employee, and per recurring vendor. A 10-person company with 20 subscriptions could use 50+ cards. This makes it easy to cancel services, track spend by category, and limit fraud. Wallester's 300 free cards cover most SMBs comfortably.

Which expense card platform has the best accounting integration?

It depends on your software. For DATEV (Germany/Austria/Switzerland): Moss or Circula. For Xero or QuickBooks: Wallester, Pleo, or Revolut. For NetSuite or SAP: Payhawk or Jeeves. Wallester also offers a REST API for custom integrations.

Best Business Expense Cards in Europe (2026)

Best Business Expense Cards in Europe — 10 Platforms Compared (2026)

We analyzed 10 expense card platforms available to European businesses — comparing real pricing, card limits, currencies, accounting integrations, and availability. Whether you're a 3-person startup or a 200-person company, this guide helps you pick the right card without overpaying. All data verified April 2026.

Last updated · 2026-05-07 10 platforms reviewed Independent editorial

1 Top pick

SMBs at €0

Wallester Business

Wallester Business is the only platform offering a genuinely free plan with 300 virtual cards, unlimited physical cards, unlimited users, and multi-currency IBANs in 10 currencies — all at €0 per month. EU-regulated, Visa Principal Member since 2018, with Xero, QuickBooks, and NetSuite integrations. Trade-offs include a 2% FX fee on non-EUR transactions and a €25 account closure fee — but for most European SMBs, no other platform matches this value.

€0/mo EEA + UK + US + more 300 Free virtual cards ★★★★★

Open a Free Wallester Account

2 Runner-up

UX + receipts

Pleo

Europe's most popular expense platform for teams that value polished UX and automated receipt capture. Paid plans from ~€35/month with 3 users included, then €10-17 per additional user. Mastercard network. Strong accounting integrations but per-user pricing adds up fast for growing teams.

From €35/mo 14 EU + UK Mastercard ★★★★☆

Coming soon Wallester vs Pleo — full comparison

3 Best free tier

Multi-currency

Revolut Business

Full banking platform with 30+ currencies at interbank rates — strongest multi-currency offering on this list. Basic plan from €10/month in Europe (no longer free). Good for international payments but expense management features are basic compared to dedicated tools.

From €10/mo 150+ countries Visa ★★★★☆

Coming soon Wallester vs Revolut — full comparison

4 Best for UK SMEs

UK expense control

Soldo

UK-headquartered prepaid Mastercard platform focused on spending controls and budget management. No free plan — 30-day trial on Standard and Plus tiers. Strong for UK-based teams needing tight expense control with Xero and QuickBooks integration.

Custom UK + EU Mastercard ★★★½☆

Coming soon Wallester vs Soldo — full comparison

5 Finance teams

Complex approvals

Spendesk

AI-powered spend management for mid-size companies (50-1000 employees) with complex approval workflows and procurement needs. Custom pricing only, no free plan. Integrates with Datev, NetSuite, and Slack. Overkill for small businesses.

Custom 5 EU countries Visa ★★★½☆

Coming soon Wallester vs Spendesk — full comparison

6 All-in-one AP

All-in-one AP

Payhawk

All-in-one platform combining corporate cards, AP automation, travel booking, and procurement. Deep ERP integrations with SAP, Oracle, and NetSuite. Custom pricing, no free plan. Best for mid-size companies that want one tool for everything.

Custom 32 countries Visa ★★★★☆

Coming soon Wallester vs Payhawk — full comparison

7 Also reviewed

German SMBs

Moss

German fintech with the best DATEV integration on this list — essential for businesses using German accounting standards. Plans from ~€7.50/month. Visa network. If your accountant uses DATEV, Moss deserves serious consideration alongside Wallester.

From €7.50/mo DACH + EU ★★★½☆

Coming soon Wallester vs Moss — full comparison

8 Also reviewed

DACH benefits

Circula

Berlin-based platform uniquely combining expenses, travel costs, and employee benefits (meal allowances, mobility budgets) in one app. Custom pricing, Mastercard network. Used by About You and Deutsche Fußball Liga. Strongest for German companies navigating tax-deductible benefit rules.

Custom DACH + EU ★★★½☆

Coming soon Wallester vs Circula — full comparison

9 Also reviewed

E-commerce

Juni

Swedish fintech built specifically for e-commerce businesses and media buyers. Invoice financing (30-120 day terms) and card credit for ad spend scaling. From €49/month. Too niche and expensive for general business use, but powerful if you're running large ad campaigns.

From €49/mo EEA only ★★★☆☆

Coming soon Wallester vs Juni — full comparison

10 Also reviewed

Global cross-border

Jeeves

Global corporate card platform for companies operating across borders. 30+ currencies, Visa network, integrations with SAP and NetSuite. Custom pricing. Best for mid-size companies with distributed teams across multiple continents.

Custom 30+ countries ★★★★☆

Coming soon Wallester vs Jeeves — full comparison

Feature	Wallester
Monthly cost	✓ €0	From €35/mo	From €10/mo	Custom	Custom	Custom	From €7.50/mo	Custom	From €49/mo	Custom
Free virtual cards	✓ 300	Varies	Up to 200/user	Up to 20	Included	Unlimited	Included	Included	Included	Included
Physical cards	Unlimited (€5 delivery)	Included	1 free/employee	Included	Included	Included	Included	Included	€3/mo each	Included
Card network	Visa	Mastercard	Visa	Mastercard	Visa	Visa	Visa	Mastercard	Mastercard	Visa
Currencies	✓ 10 (own IBANs)	Multi on paid	30+ interbank	GBP/USD/EUR	EUR/GBP/USD	32	EUR/GBP/USD	EUR	5	30+
Users	✓ Unlimited	3 included	1 on Basic	Per-user	Per-user	Per-user	Per-user	Per-user	Per-user	Per-user
Integrations	✓ Xero, QB, NetSuite, API	Xero, QB, Sage	Xero, QB	Xero, QB, NetSuite	Xero, Datev, NetSuite	Xero, QB, SAP	DATEV, Xero	DATEV, Xero	Fortnox, Xero	QB, Xero, SAP
Availability	EEA + UK + US + more	14 EU + UK	150+ countries	UK + EU	5 EU countries	32 countries	DACH + EU	DACH + EU	EEA only	30+ countries
Best for	SMBs at €0	UX + receipts	Multi-currency	UK expense control	Complex approvals	All-in-one AP	German SMBs	DACH benefits	E-commerce	Global cross-border
Rating	★★★★★	★★★★☆	★★★★☆	★★★½☆	★★★½☆	★★★★☆	★★★½☆	★★★½☆	★★★☆☆	★★★★☆

Feature

Wallester

Monthly cost

✓ €0

From €35/mo

From €10/mo

Custom

From €7.50/mo

Custom

From €49/mo

Custom

Free virtual cards

✓ 300

Varies

Up to 200/user

Up to 20

Included

Unlimited

Included

Physical cards

Unlimited (€5 delivery)

Included

1 free/employee

Included

€3/mo each

Included

Card network

Visa

Mastercard

Visa

Mastercard

Visa

Mastercard

Visa

Currencies

✓ 10 (own IBANs)

Multi on paid

30+ interbank

GBP/USD/EUR

EUR/GBP/USD

EUR

30+

Users

✓ Unlimited

3 included

1 on Basic

Per-user

Integrations

✓ Xero, QB, NetSuite, API

Xero, QB, Sage

Xero, QB

Xero, QB, NetSuite

Xero, Datev, NetSuite

Xero, QB, SAP

DATEV, Xero

Fortnox, Xero

QB, Xero, SAP

Availability

EEA + UK + US + more

14 EU + UK

150+ countries

UK + EU

5 EU countries

32 countries

DACH + EU

EEA only

30+ countries

Best for

SMBs at €0

UX + receipts

Multi-currency

UK expense control

Complex approvals

All-in-one AP

German SMBs

DACH benefits

E-commerce

Global cross-border

Rating

★★★★★

★★★★☆

★★★½☆

★★★★☆

★★★½☆

★★★☆☆

★★★★☆

Why Wallester Business Is Our Top Pick for European SMBs

We compared 10 platforms. Here's why Wallester stands out:

Price: It's the only platform with a genuinely free core plan. Every competitor either charges per user (Pleo, Soldo, Moss, Circula), hides pricing behind sales calls (Spendesk, Payhawk, Jeeves), or charges a base monthly fee (Revolut from €10/month, Juni from €49/month).

Scale: 300 virtual cards and unlimited users on the free plan means most SMBs never need to upgrade. A 20-person company running 50 SaaS subscriptions still has 250 cards to spare.

Coverage: Available in EEA, UK, USA, Canada, UAE, Singapore, and Australia. Most competitors cover only a fraction of these markets.

What it's not perfect for: If you need complex multi-level approval workflows (Spendesk or Pleo's paid plans are stronger). If you do heavy FX transactions (Revolut's interbank rates beat Wallester's 2% markup). If you're a German company married to DATEV (Moss or Circula integrate better). We're transparent about the trade-offs — but for 80%+ of European SMBs, Wallester's free plan covers everything you need.

Ready to stop paying for expense management?

Best Business Expense Cards in Europe — 10 Platforms Compared (2026)

Our Pick: Wallester Business

What are the strengths and weaknesses of each expense card?

Wallester Business

Pleo

Revolut Business

Soldo

Spendesk

Payhawk

Moss

Circula

Juni

Jeeves

How do these 10 expense card platforms compare side-by-side?

Frequently Asked Questions

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Why Wallester Business Is Our Top Pick for European SMBs

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