Spendbase

Spendbase gives businesses multi-currency accounts, payment cards and controls for team spending. Companies can hold and move money in 12 currencies and send or receive payments through SWIFT, SEPA and Faster Payments. Virtual and physical cards can be assigned, frozen or deactivated, with per-card spending limits. Cardholders can also have transaction, daily, weekly and monthly limits; available currencies depend on the company’s registration location.

Teams can submit spend requests for approval, capture receipts in the mobile app and sync transaction coding to ERP or accounting software. Android and iOS apps support card management, spending tracking and 3DS transaction confirmation, while more detailed settings are on the web platform. Listed integrations include Google Workspace, Microsoft Workspace, Slack, QuickBooks, Xero and NetSuite; third-party integrations are read-only and fetch data for display. The Free business account is free, with no monthly or per-user fee and free card issuance for eligible business customers. Listed fees include 1% for currency conversion, £20 per SWIFT transfer, no fee for SEPA and SEPA Instant payments, and 2% for ATM withdrawals above the monthly free allowance.

Spendbase combines accounts, cards and team spending controls, with a free account available to eligible businesses. Check registration-based currency availability and listed transaction fees against your payment needs.

Spendbase is aimed at startups, scale-ups, larger companies with distributed teams and enterprises. It may suit businesses that need spending controls, multi-currency payments and mobile card management.

Overview

Spendbase brings business accounts, payment cards and team expense controls together for companies that need to manage payments across teams. It is best suited to startups, scale-ups and larger organizations that want shared spending controls alongside multi-currency payments. The free business account makes it worth considering, though transaction charges and location-dependent account options deserve close attention.

Key features

Companies can hold and move money in 12 currencies and send or receive payments through SWIFT, SEPA and Faster Payments. Virtual and physical cards can be assigned, frozen or deactivated, with limits for each cardholder set per transaction, day, week or month. That range gives finance teams practical ways to shape spending at different time scales; it is particularly useful when teams need individual controls rather than a single broad card limit.

Spend requests and approvals add oversight before purchases. The mobile app handles receipt capture, spending tracking, card management and 3DS transaction confirmation, while more detailed settings are on the web platform. Mobile covers common employee tasks, but administrators should expect to use the browser for deeper configuration.

Transaction coding can sync to ERP or accounting software. The integration directory includes QuickBooks, Xero and NetSuite, plus Google Workspace, Microsoft Workspace and Slack. Third-party integrations are read-only and fetch data for display in Spendbase, which limits their role to bringing information into the platform.

Transaction costs vary by payment type: currency conversion carries a 1% fee, SWIFT transfers cost £20, and SEPA and SEPA Instant payments have no fee. ATM withdrawals incur a 2% charge above the monthly free allowance. These charges make the account more compelling for businesses whose payment mix favors SEPA than for those that depend on frequent SWIFT transfers, currency conversion or cash withdrawals. Available account and card currencies also depend on the company’s registration location. UK and EEA accounts and cards are issued with Moorwand Ltd; US digital banking accounts are provided by Sutton Bank.

Spendbase lists SOC 2 Type II, ISO 27001 and PCI DSS certifications as active or valid. Support is available through free in-app chat at any time.

Pricing

The Free business account costs nothing, with no monthly or per-user fee and free card issuance. It is limited to eligible business customers, so it is a useful way for qualifying companies to avoid account and user charges, but it does not remove transaction fees. There is no free trial, and paid pricing is custom pricing.

The free offer is most attractive to teams that qualify and expect modest costs from currency conversion, SWIFT transfers and withdrawals. Businesses evaluating a paid arrangement should weigh those transaction charges against their expected payment mix and request pricing to establish the full cost. No paid tier details are available to distinguish plans by seats, quotas or renewal terms.

Platforms

Spendbase is available on Android, iOS and the web. The mobile apps cover receipt capture, card controls, spending tracking and 3DS confirmation; more detailed settings require the web platform. Teams that need administrators to configure controls from a phone may find that division limiting.

Who it's for

Startups and scale-ups can use Spendbase to combine employee cards with approval steps and expense capture. Larger companies with distributed teams may value the per-cardholder limits and multi-currency payments, while enterprises should consider whether the registration-based currency availability and custom paid pricing fit their operating footprint. It is a weaker fit for businesses whose payment needs center on costly SWIFT or cash transactions, or whose registered location does not support the currencies they need.

Pros and cons

• Pros: The eligible free account has no monthly or per-user fee and includes free card issuance, keeping entry costs low.
• Pros: Card controls, spend approvals and receipt capture bring several team expense tasks into one platform.
• Pros: SEPA and SEPA Instant payments have no fee, and accounts can handle money in 12 currencies.
• Cons: A 1% currency conversion fee, £20 SWIFT charge and ATM fee above the free allowance can add up for some payment patterns.
• Cons: Account and card currency availability depends on company registration, and detailed settings are confined to the web platform.
• Cons: Third-party integrations are read-only, so they fetch data for display rather than write updates back.

Alternatives

For a broader comparison of tools focused on software subscriptions and access, see SaaS Management Platforms.

Cledara is worth considering for a software application management focus, with Basic covering 20 applications and Premium 75. ManageEngine SaaS Manager Plus offers a free tier for up to two applications after its trial, making it a fit for a very small app inventory; its paid tier covers up to five applications for $250 a year. Corma has a free tier with identity provider connection, browser extension, SSO connection and 10 apps, and may suit teams seeking that combination. SpendVera offers a free plan for up to 10 subscriptions and a Growth plan for up to 50, for teams focused on subscription visibility. TechStackTrack provides a free plan for up to 50 subscriptions and three users, including renewal alerts through Slack. Teisko offers a free forever plan with unlimited apps, up to 100 managed users and 20 invoice extractions a month.

Matrix42 FastViewer is another option to compare. 1Password is another option to compare.

Verdict

Spendbase is a strong candidate for eligible businesses that want multi-currency accounts, configurable team cards and expense approvals under one roof. Its free account and no-fee SEPA payments are the clearest reasons to start there. Look elsewhere if location-based currency availability is a poor fit or your business relies heavily on SWIFT, conversion or ATM withdrawals, where fees can weaken the value.