Overview
Spendesk, at a glance.
Spendesk is a payment institution headquartered in France, regulated by ACPR. Pricing is agreed with each client. Opening an account takes 3–5 days.
Funds are held in segregated accounts, separate from Spendesk's own assets. They are not covered by a deposit guarantee.
Why businesses pick Spendesk
- Cards, invoices, expenses, procurement and budgets in one system
- No Spendesk fee on SEPA payments, and cards are free to order
- Transfers in 37 currencies
- Support in English, French, German and Spanish
Watch out for
- Plan prices are by quote
- Card spending in another currency costs 2.99%
- Most customers take three to four weeks to be fully set up
- Cards block gambling, adult entertainment, crypto exchanges and gift-card sellers
- A spending platform, not a main business account
Business fit
Will Spendesk accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Spendesk's published rules
Needs review
Spendesk works with Startups and SMEs, but does not publish the countries it accepts companies from.
Spendesk does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Spendesk publishes about the businesses it takes on.
Who Spendesk serves
- Startups and SMEs
- Executives and finance teams
- IT and software
- Professional services
Not supported
Industries and countries Spendesk does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Spendesk?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR or GBP account
- EUR
- CHF
- CAD
- AUD
- JPY
- AED
- ARS
- BDT
- BGN
- BRL
- CLP
- CNY
- COP
- CRC
- CZK
- DKK
- EGP
- GEL
- HKD
- HUF
- IDR
- INR
- KRW
- LKR
- MAD
- MXN
- MYR
- NZD
- PHP
- PKR
- PLN
- RON
- SEK
- SGD
- THB
- TRY
- UYU
Transfers out in 37 currencies.
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does Spendesk cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Not published
By quote
Custom
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| SEPA | Free | No charge |
| SEPA Instant | Free | No charge |
| SWIFT / international | €7 | Fixed fee |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | 0.5–1.8% | Percentage of the amount; varies by plan · 0.5% on major currencies |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | Free | No charge |
| Card FX | 2.99% | Percentage of the amount |
| ATM withdrawal | 0.75%, min €1 | Percentage, with a minimum charge |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Spendesk a bank?
No. Spendesk Financial Services SAS is a payment institution authorised in France by the ACPR, number 17518. UK companies are served through a partner.
How much does Spendesk cost?
Plan prices are quoted by its sales team. SEPA payments carry no Spendesk fee, an international payment costs €7 plus 0.5% to 1.8% on exchange, and card spending in another currency costs 2.99%.
Does Spendesk offer cards?
Yes. Physical and virtual Visa cards, including single-use and subscription cards, free to order.
How long does it take to start with Spendesk?
Spendesk says most customers are fully live within three to four weeks.
Alternatives
How Spendesk compares.
If Spendesk is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 SpendeskThis pagePayment institution |  | Expense cardsSpend management |
| PleoE-money institution |   | Expense cardsSpend management |
 SoldoE-money institution |  | Expense cardsSpend management |
 PayhawkE-money institution |  | Expense cardsSpend management |
| MossE-money institution |  | Expense cardsFree plan |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.