Spendesk
UK SOFTWARE PROFILE
Spendesk
Spend platform with cards, procurement and invoice workflows, with documented GBP payment services for UK customers.
One product. Different jobs.
Each score uses that category's criteria. Compare products within a category, rather than comparing scores across unrelated tasks.
Pricing & practicalities
Model your total cost ↗Published starting point
Spend and expense management
Request pricingFoundations and add-ons · platform plus transactions · quote billing
VAT basis not stated
Supplier quote required: fixed platform subscription plus variable transactions and optional modules.
Check current price ↗Consider before choosing
- Pricing combines a platform fee with transaction usage.
- UK payment accounts are electronic-money accounts; review their protection terms.
Connected workflows
- Xero
- QuickBooks
- DATEV
- Slack
Confirm the integration's direction, permissions, plan and sync behaviour with the supplier.
BEHIND THE AI CLAIM
AI capabilities
AI automation, fraud detection and an MCP connection are available in the product offering.
Documented capabilities
- AI fraud and error detection
- AI Connect for spend data
Plans, limits & questions
- Automation/fraud package is an add-on.
- Confirm which capabilities are included in the UK proposal.
Feature-by-feature evidence
Spend and expense management — 20 scored checks
| Capability & demo question | Spendesk80–100/100 documented fit |
|---|---|
Core workflowPhysical and virtual company cards5.0 points availableAsk in the demoIssue a card with an owner and inspect a test transaction. | ✓ Supported Unlimited physical and virtual card options. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowCard and spending limits5.0 points availableAsk in the demoRestrict an employee's budget and show a declined over-limit purchase. | ? Not verified Not verified in the reviewed material; confirm card and spending limits. 0.0–5.0 / 5.0 points |
Core workflowReceipt capture and matching5.0 points availableAsk in the demoUpload a receipt and link it to the correct transaction. | ✓ Supported OCR and automatic receipt matching. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowOut-of-pocket reimbursements5.0 points availableAsk in the demoSubmit and approve an employee-paid expense. | ✓ Supported Expense reimbursements. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowLive spend visibility5.0 points availableAsk in the demoShow committed and completed spend for a team. | ✓ Supported Real-time budget visibility. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowAccounting-system integration5.0 points availableAsk in the demoExport a reviewed expense with its tax code and receipt. | ✓ Supported Xero and QuickBooks integrations. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowSpend approval workflow5.0 points availableAsk in the demoRequest spend and show its approval decision. | ✓ Supported Spend workflow controls. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthTeam or project budgets5.0 points availableAsk in the demoAssign a budget and demonstrate remaining availability. | ✓ Supported Real-time budgets. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthRecurring vendor cards5.0 points availableAsk in the demoIssue a subscription-specific card and identify its recurring spend. | ✓ Supported Recurring virtual cards. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthConditional multi-stage approvals5.0 points availableAsk in the demoRoute a large or exceptional expense through more than one approver. | ✓ Supported Dynamic approvers and multiple conditions. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthMultiple-entity control5.0 points availableAsk in the demoShow entity-specific balances, rules and consolidated visibility. | ✓ Supported Multi-entity reporting and controls. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthSupplier invoice capture and payments5.0 points availableAsk in the demoReceive, approve and pay a supplier invoice. | ✓ Supported Accounts Payable module. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthVAT coding and split allocation5.0 points availableAsk in the demoSplit a receipt across categories or VAT rates. | ? Not verified Not verified in the reviewed material; confirm vat coding and split allocation. 0.0–5.0 / 5.0 points |
Workflow depthMileage claims5.0 points availableAsk in the demoSubmit a business journey and review the reimbursement calculation. | ? Not verified Not verified in the reviewed material; confirm mileage claims. 0.0–5.0 / 5.0 points |
Workflow depthMissing-receipt reminders5.0 points availableAsk in the demoShow how an overdue receipt is chased and resolved. | ✓ Supported Custom receipt reminders. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthSSO or detailed role controls5.0 points availableAsk in the demoRestrict a team reviewer and revoke a departing user's access. | ✓ Supported SSO and SAML. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthAPI or detailed data export5.0 points availableAsk in the demoExport transaction, receipt and approval data. | ✓ Supported Open API. 5.0 / 5.0 pointsEvidence ↗ |
AIAI extraction or expense coding5.0 points availableAsk in the demoReview extracted receipt fields and a suggested accounting category. | ? Not verified Not verified in the reviewed material; confirm ai extraction or expense coding. 0.0–5.0 / 5.0 points |
AIAI policy or anomaly review5.0 points availableAsk in the demoInspect a suspected out-of-policy or duplicate transaction. | ✓ Supported AI-based fraud and error detection add-on. 5.0 / 5.0 pointsEvidence ↗ |
AIAI spend analysis5.0 points availableAsk in the demoAsk a spend question and reconcile the answer to underlying transactions. | ✓ Supported AI Connect exposes spend data via MCP. 5.0 / 5.0 pointsEvidence ↗ |
“Not verified” means the recorded evidence does not settle this specific check. It does not mean the feature is absent. Read the scoring method.