Expense management software gives staff company cards, collects receipts in an app and sends every transaction to the accounting system, often with supplier bill payment and approvals on top. European buyers often want a provider that issues cards in euros or other local currencies, handles local VAT and keeps finance data in Europe. The strongest European options are Pleo (Denmark) for small and mid-size firms giving staff company cards, Spendesk (France) for mid-size companies centralising all non-payroll spend and Payhawk (United Kingdom) for companies with entities in several countries.
Best first. Headcount and founding year come from LeadWave's database; prices, hosting and G2 ratings from each company's own pages and G2, checked in November 2026.
| Alternative | Headquarters | Founded | Employees | G2 rating | Free plan | Paid plans from | Your data | Open source |
|---|---|---|---|---|---|---|---|---|
1 Pleo | Copenhagen, Denmark | 2015 | 201–500 | 4.7 (1,435 reviews) | No | €8/user/month | In Europe | No |
2 Spendesk | Paris, France | 2016 | 378 | 4.6 (413 reviews) | No | — | In Europe | No |
3 Payhawk | London, United Kingdom | 2018 | 477 | 4.5 (897 reviews) | No | £149/account/month | — | No |
4 Moss | Berlin, Germany | — | — | 4.7 (248 reviews) | No | — | — | No |
5 Circula | Berlin, Germany | 2017 | 51 | 4.6 (831 reviews) | No | €15/user/month | In Europe | No |
6 Rydoo | Mechelen, Belgium | 2011 | 224 | 4.4 (743 reviews) | No | €8/user/month | In Europe | No |
7 Pliant | Berlin, Germany | 2020 | — | 4.6 (68 reviews) | No | — | — | No |
8 Soldo | London, United Kingdom | 2015 | — | 4.5 (194 reviews) | No | €27/account/month | — | No |
9 Mobilexpense | Brussels, Belgium | 2000 | 122 | 4.4 (99 reviews) | No | €8/user/month | — | No |
10 Mooncard | Paris, France | 2016 | — | — | No | — | — | No |
11 Perk (formerly TravelPerk) | London, United Kingdom | 2015 | — | 4.6 (1,823 reviews) | No | £6/user/month | — | No |
12 Qonto | Paris, France | 2016 | 201–500 | 4.6 (171 reviews) | No | €9/account/month | — | No |
13 Revolut Business | London, United Kingdom | 2015 | — | — | No | — | — | No |
Each page ranks the European options for that tool's users and says how each one compares.
Company cards and expense tracking for small teams
Gives employees physical and virtual company cards, captures receipts in an app, handles reimbursements and mileage, and syncs spending to accounting software.
Spend platform for cards, reimbursements and procurement
Issues unlimited physical and virtual cards, reimburses expenses, and adds procurement and supplier invoice payment modules, with approval workflows and multi-entity reporting.
Cards, expenses, payables and travel for multi-country firms
London-based spend platform with a large office in Sofia, Bulgaria. Combines company cards, expense reports, supplier invoice processing, purchase approvals and business travel, with cards in several European currencies.
Company cards, invoices and expenses in one tool
Berlin spend management platform run by Nufin GmbH. Combines virtual and physical company cards, supplier invoice processing and employee expense reports with approval workflows and accounting exports.
Expense, travel-expense and card software from Berlin
Handles employee expense reports and travel expenses, company credit cards, supplier invoices and tax-free employee benefits. Its expense product is certified as compliant with German bookkeeping rules (GoBD).
Expense reports, per diems and supplier invoices
Expense management with a receipt-scanning app, mileage and per diems, cards and travel, plus accounts payable automation added through its 2025 purchase of Norway's Semine. Majority-owned by French investor Eurazeo.
Business credit cards with spend controls
Issues physical, virtual and single-use business credit cards with cashback, spend limits and receipt capture, plus business accounts, supplier payments and card APIs for travel and fintech platforms.
Prepaid company cards with budgets and receipts
Gives teams prepaid physical and virtual cards loaded from budgets and captures receipts in an app. EEA customers are served by its Irish entity, regulated by the Central Bank of Ireland.
Expense software for mid-size and large firms
Brussels expense management vendor that merged its MXP product with the Dutch app Declaree. Covers expense claims, per diems, mileage, company cards and local VAT rules. Owned by Visma since 2024.
Payment and fuel cards with automatic expense reports
French provider of company payment cards, purchase cards and fuel cards that turn each card payment into an expense entry with its receipt, ready for the accounting system.
Business travel booking with expense management
Founded in Barcelona as TravelPerk. Combines travel booking with the expense software of Swiss Yokoy, bought in 2025. Runs dual headquarters in London and Boston.
Business account with cards and invoicing
Online business account for small firms and freelancers with a local IBAN, payment cards, invoicing and payment links, sold in France, Germany, Spain, Italy and other EU countries.
Business account with cards and spend controls
Multi-currency business account from London's Revolut with physical and virtual cards. Paid plans add spend rules, expense approvals and bulk payments.
LeadWave's database has 24 companies headquartered in Europe that our Expense Management list matches, most of them in the United Kingdom (10), France (4), Germany (3), Belgium (2) and Denmark (1). Here are the 15 largest; all 24, with their CEOs' contacts, are in the Europe SaaS companies list.
| Company | Country | Employees | Funding | CEO |
|---|---|---|---|---|
1 Cegidcegid.com | France | 3,934 | — | Pascal Houillon |
| 2Payhawkpayhawk.com | United Kingdom | 477 | — | Hristo Borisov |
| 3Spendeskspendesk.com | France | 378 | $198.6M | Rodolphe Ardant |
| 4Rydoorydoo.com | Belgium | 224 | $9.5M | Sebastien Marchon |
5 Expensyaexpensya.com | France | 172 | $25.6M | Karim Jouini |
6 Blue Dotbluedotcorp.com | Netherlands | 146 | $82M | Isaac Saft |
7 scoutbeescoutbee.com | Germany | 141 | $76M | Gregor Stühler |
8 Brightflagbrightflag.com | Ireland | 141 | $39.1M | Ian Nolan |
| 9MobileXpensemobilexpense.com | Belgium | 122 | $23.7M | Thibaud De Keyzer |
10 Apperioapperio.com | United Kingdom | 45 | $12.9M | Nicholas d'Adhemar |
11 Autogearautogear.com | Norway | 32 | — | Stefan Jacobsen |
12 Maistro Groupmaistro.com | United Kingdom | 11–50 | $2M | Philip Shuldham-Legh |
13 ESM Solutionsesmsolutions.com | United Kingdom | 11–50 | — | Joshua Faith |
14 ExpenseInexpensein.com | United Kingdom | 11–50 | — | Anthony Bert |
15 ExpenseOnDemandexpenseondemand.com | United Kingdom | 11–50 | — | Sunita Nigam |
Showing the 15 largest of 24. Headcount is the latest known figure.
A company counts as European if it's headquartered in Europe: the EU, the EEA, Switzerland, the UK, or elsewhere in geographic Europe, never Russia or Belarus. Headquarters means where it's run from, not a registered office. Companies founded in Europe but headquartered elsewhere today are listed separately, and a non-European owner is always named.
Each company was checked against its own legal notice, pricing page and data-processing terms, and its G2 page. The order weighs how fully each one replaces the US leaders, its track record and its ratings. No company paid to be listed or ranked.
Pleo (Denmark) for small and mid-size firms giving staff company cards, Spendesk (France) for mid-size companies centralising all non-payroll spend and Payhawk (United Kingdom) for companies with entities in several countries. Each is headquartered in Europe; the table compares their hosting, prices and G2 ratings.
Pleo, Spendesk, Circula and Rydoo store customer data in Europe by default. Being European doesn't make a tool GDPR compliant on its own: check its data processing agreement too.
LeadWave's database lists 24 European Expense Management software companies, most of them in United Kingdom (10) and France (4). All of them, with their CEOs' contacts, are in our list of 4,000+ European SaaS companies.
Pleo runs on AWS in Ireland with backups in Frankfurt, Spendesk's data centre is in Dublin, Circula hosts on AWS in Germany and Rydoo stores data in Microsoft Azure data centres in the EU. Payhawk, Moss, Pliant and Soldo don't publish a hosting region on their sites.
Pleo starts at €8 per user a month, Rydoo at €8 per user a month on annual billing with a five-user minimum, Circula at €15 per licence a month with a ten-licence minimum, Soldo at €27 a month for three users and Qonto at €9 a month. Spendesk, Pliant and Mooncard price on request.
Pliant, a Berlin card provider, says it works best for companies whose card spending is above €10,000 a month and is not built for freelancers or microbusinesses. Payhawk and Spendesk also support companies with several legal entities.
