Best Business Expense Cards in the UK — 7 Platforms Compared (2026)
By ExpenseBiz Research Team · Updated April 2026
We analysed 9 expense card platforms available to UK 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.
TL;DR
The best business expense cards in the UK in 2026 are Wallester, Pleo, Revolut, Soldo, Spendesk, Payhawk, Jeeves, Moss, and Juni. Wallester is the only provider offering £0/month with no eligibility requirements and unlimited physical cards. This guide compares pricing, FX rates, and feature depth across all nine providers.
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 including GBP. Available across the UK, EEA, and 40+ countries worldwide.
How do these 9 UK expense card platforms compare side-by-side?
← Scroll horizontally to see all 9 cards →
Feature
Wallester
Pleo
Revolut
Soldo
Spendesk
Payhawk
Jeeves
Moss
Juni
Monthly cost
£0
From £35/mo
From £10/mo
Custom
Custom
Custom
£0
Custom quote
€0 Free / €79/mo Plus
Free virtual cards
300
Varies
Up to 200/user
Up to 20
Included
Unlimited
Unlimited
Plan-based
2 (Free) / 10 (Plus)
Physical cards
Unlimited (£5 delivery)
Included
1 free/employee
Included
Included
Included
1 free/user
Visa corporate included
Mastercard credit (60-day)
Card network
Visa
Mastercard
Visa
Mastercard
Visa
Visa
Visa
Visa
Mastercard
Cashback / Rewards
—
—
—
—
—
—
1% cashback
—
0.5% on Plus
Multi-currency
10 (own IBANs)
Multi on paid
30+ interbank
GBP/USD/EUR
EUR/GBP/USD
32 currencies
40+ currencies
EUR-centric
EUR, GBP, USD, SEK
Users
Unlimited
3 included
1 on Basic
Per-user
Per-user
Per-user
Unlimited
Per-user
2 (Free) / 10 (Plus)
Integrations
Xero, QB, NetSuite, API
Xero, QB, Sage
Xero, QB
Xero, QB, NetSuite
Xero, Datev, NetSuite
Xero, QB, SAP
QB, Xero, API
DATEV, Xero
Xero, Fortnox, ecommerce
Availability
UK + 40+ countries
14 EU + UK
150+ countries
UK + EU
UK, FR, DE, ES, IE
32 countries
30+ countries
DACH + limited UK
UK + EU
Best for
UK SMBs at £0
UX + receipts
Multi-currency FX
UK expense control
Complex approvals
All-in-one AP
Global cross-border
DACH accounting
Ecommerce / DTC
Rating
★★★★★
★★★★☆
★★★★☆
★★★½☆
★★★½☆
★★★★☆
★★★★☆
★★★☆☆
★★★½☆
What are the strengths and weaknesses of each UK expense card?
Our Pick
Wallester Business
Available: UK, EEA, 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 including GBP — all at £0 per month. EU-regulated (Estonian FI), Visa Principal Member since 2018, with Xero, QuickBooks, and NetSuite integrations. Trade-offs include a 2% FX fee on non-GBP transactions and a £25 account closure fee — but for most UK SMBs, no other platform matches this value.
The UK's most popular expense platform for teams that value polished UX and automated receipt capture. Starter plan from ~£35/month with 3 users included, then £10-17 per additional user. Mastercard network. Strong Xero and QuickBooks integrations. Per-user pricing adds up fast for growing teams — a 20-person company pays £200+/month before any transactions.
Full banking platform with 30+ currencies at interbank rates — strongest multi-currency offering on this list. Basic plan from £10/month (no longer free). Grow plan (£25/month) unlocks bulk payments and better FX allowances. Excellent for international payments but expense management features are basic compared to dedicated tools like Pleo or Spendesk.
UK-headquartered prepaid Mastercard platform focused on spending controls and budget management. No free plan — 30-day trial only. Strong for UK-based teams needing tight expense control with Xero and QuickBooks integration. Per-user pricing model. Owned by UK holding company, FCA-regulated.
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 Xero, NetSuite, and Slack. Overkill for small businesses, but powerful for companies that need multi-level approvals and granular spending policies.
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 UK companies that want one tool for everything — cards, invoices, reimbursements, and travel in a single platform.
Available: UK, US, CA, MX, BR, CO, EU (30+ countries)
Global corporate card platform for companies operating across borders. No monthly fees, unlimited virtual cards, 1% uncapped cashback, and cross-border payments to 150+ countries in 40+ currencies. Free expense management included. Strongest choice for UK businesses with international operations, particularly those dealing with the Americas.
German-founded corporate card platform built for DACH-region finance teams. Visa corporate cards, multi-level approval workflows, receipt OCR, and native DATEV and Lexware accounting integrations. Pricing is custom quote across all tiers — no published rates. Best fit for UK subsidiaries of German businesses already using DATEV; limited value for UK-native SMBs without DACH accounting workflows.
Swedish FSA-licensed Mastercard platform purpose-built for ecommerce and digital advertising businesses. Free tier (€0/month) caps at 2 users and 2 cards; Plus tier (€79/month) expands to 10 users, 10 cards, 0.5% cashback, and interest-free 60-day credit. Integrates with Google Ads, Meta, TikTok Ads, and 2,400+ ecommerce platforms. UK credit lines available (£10k–£2m). Priced in EUR — no GBP subscription option.
Why Wallester Business Is Our Top Pick for UK Businesses
We compared 9 platforms. Here's why Wallester stands out:
Price: It's the only platform with a genuinely free core plan. Pleo starts at £35/month, Revolut at £10/month, Soldo and Spendesk hide pricing behind sales calls, and Payhawk is custom-quoted. Only Jeeves also offers £0/month — but with a prepaid model requiring you to fund the account upfront.
Scale: 300 virtual cards and unlimited users on the free plan means most UK SMBs never need to upgrade. A 20-person company running 50 SaaS subscriptions still has 250 cards to spare.
Coverage: Multi-currency IBANs in 10 currencies including GBP. Available in the UK, EEA, US, Canada, UAE, Singapore, and Australia. Most competitors cover only a fraction of these markets.
What it's not perfect for: If you need best-in-class UX and receipt scanning (Pleo is stronger). If you do heavy FX transactions (Revolut's interbank rates beat Wallester's 2% markup). If you need complex multi-level approval workflows (Spendesk or Payhawk). If you want 1% cashback on all spend (Jeeves offers this). We're transparent about the trade-offs — but for 80%+ of UK SMBs, Wallester's free plan covers everything you need.
What's the best free business expense card in the UK?
Wallester Business is the only platform offering a completely free plan with 300 virtual cards, unlimited physical cards, and unlimited users. Jeeves also has no monthly fee but operates on a prepaid model. Pleo offers a limited Starter plan but charges per-user fees as you grow. Revolut Business discontinued its free plan — 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 the UK?
Both are widely accepted across the UK and Europe. Visa has a slight edge in global merchant coverage (80M+ vs 70M+ acceptance points), which matters for international travel and online purchases outside the UK. Within the UK, either works fine. Wallester, Revolut, Spendesk, and Payhawk use Visa. Pleo and Soldo use Mastercard.
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 UK SMBs comfortably.
Which expense card platform has the best UK accounting integration?
For Xero (the most popular UK accounting software): Wallester, Pleo, Revolut, and Soldo all offer direct integrations. For QuickBooks: same four plus Payhawk. For Sage: Pleo has the strongest integration. For NetSuite or SAP (larger companies): Payhawk or Spendesk. Wallester also offers a REST API for custom integrations.
Wallester
Pleo
Revolut
Soldo
Spendesk
Payhawk
Jeeves
Moss
Juni