Spendesk pricing 2026: plans and costs
Quick pricing summary
- Foundations: Custom (month plus transaction fees)
- Worth noting: Quote-based pricing: fixed monthly platform fee plus variable fees based on number of transactions (card purchases, invoice payments, expense claims). Cards free, no monthly card fees, no active user fees.
Plans
Foundations
Custom month plus transaction fees
- Unlimited physical cards
- Single-use cards
- Recurring virtual cards for subscriptions
- Multi-use cards
- Custom receipt rules and automated reminders
- OCR receipt extraction
- Expense reimbursement
- Cashback starts at 1% for eligible clients
- SSO, SAML and Slack integration
- Xero, Quickbooks, Datev integrations
- Real-time budget monitoring
- Multi-entity workflows and reporting
- Spendesk AI Connect (MCP)
- Open API
- CFO Connect membership
- Unlimited users
Hidden costs & add-ons
| Cost driver | Price | When it applies |
|---|---|---|
| Procurement | contact sales | Foundations |
| Accounts Payable | contact sales | Foundations |
| Advanced workflows & policies | contact sales | Foundations |
| Advanced Multi-entity management | contact sales | Foundations |
| HR & ERP Integrations | contact sales | Foundations |
| AI-based automation and fraud detection | contact sales | Foundations |
Spendesk pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| Spendesk | Contact sales | No | Usage-based | — | |
| Ramp | Free; paid from $15 per seat / mo | Yes | Per seat | Startups and global enterprises alike; the free plan suits smaller teams that want to simplify finances. | Compare → |
| Expensify | — | — | — | Individuals organizing their own expenses, and businesses managing expenses for teams of any size | Compare → |
| BILL Spend & Expense | Free; paid from $49 per seat / mo | Yes | Per seat | Small and midsize businesses that want company cards, budgets and expense control without a per-user software fee. | Compare → |
| SAP Concur | — | — | — | Businesses of all sizes, from small companies to large multinationals | Compare → |
List prices as published on www.spendesk.com/pricing/. Totals are worked examples, not quotes.