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

By ExpenseBiz Research Team · Updated April 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.

Our Pick: Wallester Business

The only platform offering €0/month with 300 virtual cards, unlimited physical cards, unlimited users, and multi-currency IBANs in 10 currencies. Available across EEA, UK, USA, Canada, UAE, Singapore, and Australia.

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Quick Comparison: 10 Business Expense Cards

← Scroll horizontally to see all 10 cards →

Feature
WallesterWallester
PleoPleo
RevolutRevolut
SoldoSoldo
SpendeskSpendesk
PayhawkPayhawk
MossMoss
CirculaCircula
JuniJuni
JeevesJeeves
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☆ ★★★☆☆ ★★★★☆

Individual Card Reviews

Our Pick
Wallester Business

Wallester Business

Available: EEA, UK, US, CA, UAE, SG, AU

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.

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Pleo

Pleo

Available: 14 EU countries + UK

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.

Wallester vs Pleo — full comparison →
Revolut

Revolut Business

Available: 150+ countries

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.

Wallester vs Revolut — full comparison →
Soldo

Soldo

Available: UK + EU

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.

Wallester vs Soldo — full comparison →
Spendesk

Spendesk

Available: UK, France, Germany, Spain, Ireland

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.

Wallester vs Spendesk — full comparison →
Payhawk

Payhawk

Available: 32 countries

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.

Wallester vs Payhawk — full comparison →
Moss

Moss

Available: DACH + EU

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.

Wallester vs Moss — full comparison →
Circula

Circula

Available: DACH + EU

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.

Wallester vs Circula — full comparison →
Juni

Juni

Available: EEA only (LLCs only)

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.

Wallester vs Juni — full comparison →
Jeeves

Jeeves

Available: 30+ countries globally

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.

Wallester vs Jeeves — full comparison →

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.

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Frequently Asked Questions

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.

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