Best Business Expense Cards in the UK — 7 Platforms Compared (2026)

By ExpenseBiz Research Team · Updated April 2026

We analysed 7 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.

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.

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Quick Comparison: 7 Business Expense Cards for the UK

← Scroll horizontally to see all 7 cards →

Feature
WallesterWallester
PleoPleo
RevolutRevolut
SoldoSoldo
SpendeskSpendesk
PayhawkPayhawk
JeevesJeeves
Monthly cost £0 From £35/mo From £10/mo Custom Custom Custom £0
Free virtual cards 300 Varies Up to 200/user Up to 20 Included Unlimited Unlimited
Physical cards Unlimited (£5 delivery) Included 1 free/employee Included Included Included 1 free/user
Card network Visa Mastercard Visa Mastercard Visa Visa Visa
Cashback / Rewards — — — — — — 1% cashback
Multi-currency 10 (own IBANs) Multi on paid 30+ interbank GBP/USD/EUR EUR/GBP/USD 32 currencies 40+ currencies
Users Unlimited 3 included 1 on Basic Per-user Per-user Per-user Unlimited
Integrations Xero, QB, NetSuite, API Xero, QB, Sage Xero, QB Xero, QB, NetSuite Xero, Datev, NetSuite Xero, QB, SAP QB, Xero, API
Availability UK + 40+ countries 14 EU + UK 150+ countries UK + EU UK, FR, DE, ES, IE 32 countries 30+ countries
Best for UK SMBs at £0 UX + receipts Multi-currency FX UK expense control Complex approvals All-in-one AP Global cross-border
Rating ★★★★★ ★★★★☆ ★★★★☆ ★★★½☆ ★★★½☆ ★★★★☆ ★★★★☆

Individual Card Reviews

Our Pick
Wallester Business

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.

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Pleo

Pleo

Available: 14 EU countries + UK

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.

Wallester vs Pleo — full comparison →
Revolut

Revolut Business

Available: UK + 150+ countries

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.

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 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.

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 Xero, NetSuite, and Slack. Overkill for small businesses, but powerful for companies that need multi-level approvals and granular spending policies.

Wallester vs Spendesk — full comparison →
Payhawk

Payhawk

Available: 32 countries including UK

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.

Wallester vs Payhawk — full comparison →
Jeeves

Jeeves

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.

Wallester vs Jeeves — full comparison →

Why Wallester Business Is Our Top Pick for UK Businesses

We compared 7 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.

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Frequently Asked Questions

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.

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