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Pleo vs Spendesk - Comparison 2025

Pleo vs. Spendesk

Last updated on

Reviewed by Paddy Stobbs

Stackfix Co-Founder & CEO

PS

In the European spend management space, Pleo emerges as the more modern and user-friendly solution, particularly suited for growing businesses prioritizing quick implementation and ease of use. Its intuitive interface and superior mobile experience make it ideal for companies with distributed teams or those seeking minimal training requirements.

Spendesk, while offering comparable core functionality, better serves organizations requiring dedicated support and stricter spending controls, particularly mid-market companies with complex approval needs. Both platforms provide strong corporate card capabilities, but they clearly target different organizational priorities - Pleo focusing on user experience and rapid deployment, while Spendesk emphasizes control and support infrastructure.

Pleo Product Logo

Advantages of Pleo

Pleo is significantly more user-friendly and intuitive than Spendesk
While Spendesk offers a solid interface, Pleo's exceptional ease of use (particularly for end users) makes expense management almost enjoyable. The platform's clean layout and intuitive design make it significantly more accessible than Spendesk's more complex interface, which is especially valuable for companies prioritizing quick user adoption and minimal training needs.
Pleo offers a superior mobile experience compared to Spendesk
While Spendesk's mobile app is functional, Pleo's mobile application provides a more comprehensive and polished experience. The app supports distributed teams with full-featured mobile expense management rather than just basic submission capabilities, making it particularly valuable for organizations with remote or traveling employees.
Pleo provides faster setup and implementation than Spendesk
Unlike Spendesk's more involved setup process, Pleo offers a quick and hassle-free implementation that doesn't demand heavy IT involvement. This makes it particularly advantageous for small and mid-sized businesses looking to get up and running quickly with minimal disruption.
Spendesk Product Logo

Advantages of Spendesk

Spendesk offers equally strong corporate card capabilities as Pleo
Spendesk matches Pleo's corporate card functionality with its Marqeta partnership, offering robust physical and virtual card solutions specifically designed for European businesses. Their system allows for real-time expense screening and approval, making it particularly suitable for businesses requiring strict spending controls.

Pleo is best for

  • Businesses with growing European operations that want to balance employee autonomy with financial oversight
  • Who need intuitive mobile-first expense management without complex approval chains
  • And/or who need smart corporate cards with automated receipt capture and accounting integration

Spendesk is best for

  • Businesses with multi-entity operations in Europe requiring comprehensive spend management
  • Who need real-time policy enforcement and proactive spend control
  • And/or who need basic budget enforcement rather than sophisticated financial planning

Pleo is less good for

  • Businesses with complex approval workflows and highly customized expense policies
  • Who need advanced spend forecasting and predictive analytics capabilities
  • And/or who need extended credit facilities rather than prepaid spending limits

Spendesk is less good for

  • Businesses with complex enterprise-level ERP integration requirements
  • Who need advanced financial planning and sophisticated budget modeling capabilities
  • And/or who need advanced automation and custom chart of accounts capabilities

Gallery

Pleo logoPleo
Pleo screenshot
Spendesk logoSpendesk
Spendesk screenshot

Pricing, features & ratings

Pleo logo

Pleo

Starting at

$0

Converted from GBP

user / month

Billed monthly

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Spendesk logo

Spendesk

Custom

Contact us for a quote

Billed monthly

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Stackfix Verdict
Functionality
7

Functionality

7/10

<p>Pleo started as a smart company card solution and has grown into a broader expense management platform. It offers prepaid company cards with individual spending limits, real-time expense tracking with receipt capture, and basic reimbursement workflows for out-of-pocket spends. It may not venture into complex AP automation, but it thoroughly covers everyday corporate spending needs, from lunches and software subscriptions to employee mileage claims.</p>
7

Functionality

7/10

<p>Spendesk provides a balanced mix of corporate cards, reimbursements, invoice processing, and expense tracking, all designed to streamline spend management. The platform excels with flexible approval workflows and centralized spend requests, making it ideal for mid-sized companies. However, while it covers core spend functions exceptionally well, it could benefit from more advanced ERP integrations and enhanced reporting features.</p>
Ease of Use
8

Ease of Use

8/10

<p>Pleo is built with simplicity in mind, making it extremely intuitive for end users. Employees simply pay with their Pleo card, snap a photo of the receipt, and the expense is essentially done – the app notifies them if anything’s missing, so compliance is high. Finance teams find Pleo easy to navigate as well, with a tidy dashboard for approvals and exports.&nbsp;</p>
7

Ease of Use

7/10

<p>Spendesk is intuitive—employees can easily snap photos of receipts and submit expenses, while finance teams benefit from clear dashboards and streamlined approval processes. The mobile app enhances everyday use, ensuring on-the-go expense management is hassle-free. Overall, the platform’s user-friendly design means minimal training is required, and users quickly feel empowered to manage spend efficiently.</p>
Look and feel
9

Look and feel

9/10

<p>Pleo’s design is stylish, friendly, and clear. The mobile app and web interface are cleanly laid out, using intuitive icons and plain language that make expense tasks almost enjoyable. Information is presented without clutter, and the platform’s speed and polish (along with a bit of Pleo’s signature playful branding) give it a modern, approachable vibe.</p>
7

Look and feel

7/10

<p>Spendesk delivers a modern, clean interface that puts usability front and center—its mobile app is especially intuitive. The layout is both visually appealing and functional. Although the overall design is robust, there’s a slight opportunity to further simplify certain workflows for clearer navigation.</p>
Customisability
5

Customisability

5/10

<p>Pleo focuses on a standardized, easy experience, which means slightly fewer levers to pull for custom setups. You can configure expense categories to match your accounts, set individual spend limits or monthly budgets, and define basic approval rules (like require manager approval over X amount). However, it doesn’t offer deep customization of workflows or complex policy rules – the philosophy is “sensible defaults” that fit most small businesses.</p>
6

Customisability

6/10

<p>Administrators can tailor Spendesk to their company’s needs by setting custom spend limits, designing approval workflows, and configuring expense categories. These options ensure that the platform aligns with internal policies and reporting requirements. However, while the default settings are well-suited for many, organizations with more complex needs might find the current level of customization somewhat limiting—additional enhancements in reporting and ERP connectivity would be a welcome upgrade.</p>
Ease of Setup
8

Ease of Setup

8/10

<p>Getting up and running with Pleo is quick and hassle-free. Small and mid-sized businesses can sign up online, and within a very short time they can issue virtual cards to employees and start capturing expenses. The onboarding process is guided and doesn’t demand heavy IT involvement.</p>
6

Ease of Setup

6/10

<p>Onboarding with Spendesk is generally smooth, thanks to a guided process often supported by a dedicated account manager. Users can quickly set up their teams, expense policies, and approval rules without needing heavy IT involvement. That said, integrating Spendesk with more complex systems (like ERPs) sometimes requires additional effort, which could slow down the initial rollout for larger organizations.</p>
Customer Support
7

Customer Support

7/10

<p>Pleo provides responsive, helpful customer support. Support agents are available via chat and email. When tested, we found them ready to assist with everything from onboarding questions to troubleshooting issues, and they often respond quickly (&lt;2 hrs) despite Pleo’s large customer pool. The company also supplies a wealth of self-service resources and an active community.</p>
8

Customer Support

8/10

<p>Spendesk stands out for its robust customer support, with dedicated account managers ensuring a smooth onboarding experience and ongoing assistance. Users consistently praise the team’s responsiveness and deep product knowledge, which makes resolving issues straightforward.</p>
Integratability
7

Integratability

7/10

<p>Pleo connects with a variety of accounting systems and business tools to streamline your workflow. It has direct integrations with popular software like Xero, QuickBooks, and Sage, enabling one-click export of expenses with all receipts attached. It also offers open APIs and supports exporting data for systems it doesn’t directly integrate with.</p>
7

Integratability

7/10

<p>Spendesk integrates solidly with popular accounting software like QuickBooks, Xero, and notably, NetSuite—a factor that many users cite as a strong advantage. However, there’s room to expand further into ERP integrations.</p>
Ease of Migration
7

Ease of Migration

7/10

<p>Exporting data from Pleo is straightforward, albeit rarely needed extensively due to its integrations. Finance teams can export expense data (with all receipt images) in formats like PDF or CSV for external reporting or audits. Pleo also allows one-click export to accounting systems, which is its primary method of data transfer.</p>
7

Ease of Migration

7/10

<p>Exporting spend data from Spendesk is straightforward, with options to download detailed CSV and PDF reports that meet audit and compliance needs.&nbsp;</p>
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