Compare the Top Expense Management Software in the UK

See how providers perform on ROI, user ratings and additional features to find the right software for you.

Julian, Author
Last updated: September, 2025
Most popular
9.8
  • Move to Moss for automated expense management, without the spreadsheet admin
  • Control expenses with secure cards & fast, compliant reimbursements
  • Unlimited cards & users with 4.5x ROI; save £700 p/a
  • 2-way sync with Xero, NetSuite, QuickBooks for instant accuracy
  • Save hours & gain real-time control with Moss’ mobile app
Visit Moss Book an intro

Moss is a complete spend management platform, offering corporate cards, invoice processing, expense tracking, payments, and automated pre-accounting.

Trusted by over 4,000 businesses, Moss reduces manual work with AI-powered automation while maintaining human oversight.

Upload spend items via mobile, receipt fetch or web, with AI-powered OCR for accurate spend categorisation. Always.

Integrate deeply with Xero, NetSuite, and QuickBooks for accurate, automated pre-accounting and real-time expense tracking.

Configure Moss to match YOUR finance team’s needs—control spending, track budgets, and reduce manual effort without changing your workflows.

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9.7
  • Unlimited users on all plans
  • Save 17% when you pay annually vs. paying monthly
  • Spend in 21 major currencies with no transaction fees using physical or virtual multi-currency expense cards
  • Instantly issue up to 200 virtual cards, compatible with Apple Pay & Google Pay, for free
  • Integrate with Xero and Concur® Expense
Visit Equals Money Book an intro

Equals Money makes money movement simple, join over 20,000 companies they’ve helped take control of their business expenses.

Stay on top of team spending with physical and virtual cards* and an easy-to-use online platform. Your team can request top-ups, pause their card, and check their PIN 24/7. They can also spend all over the world while you monitor their spending in real time.

You’ll get an expert account manager who works to understand your business needs, arrange demos for your team and help protect your business from volatile markets with great exchange rates on international payments.

Finance Managers stay in control by monitoring budgets, responding to requests, and adjusting permissions for users.
*Fees may apply to issue physical cards.

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9.2
  • Smart expense management software to simplify spending and boost your bottom line
  • Reduce expense costs by 44%
  • AI-powered financial reporting and expense audits
  • WhatsApp, Slack and Teams integration
  • Integrate with any accounting or payroll system, including QuickBooks, Xero, Sage
Visit Capture Expense Free Trial

Capture Expense’s expense management tool is a top-rated solution designed to simplify and enhance financial management for businesses of all sizes. Known for its user-friendly interface, Capture Expense allows businesses to efficiently track and report expenses, providing clear and comprehensive insights into their financial activities.

One of the standout features of Capture Expense is its automated receipt capture and categorization. This feature reduces the manual effort required in expense reporting, ensuring accuracy and saving time. Additionally, Capture Expense supports seamless integration with popular accounting software, facilitating smooth data transfer and further streamlining the expense management process.

Capture Expense also excels in providing excellent customer support and regular updates, ensuring that businesses benefit from the latest features and reliable assistance. With its combination of ease of use, advanced automation, and strong support, Capture Expense’s expense management tool is a highly effective solution for businesses looking to optimize their expense tracking and reporting.

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8.6
  • UK's most trusted expense management
  • Control your spending for business success
  • Instantly sync with Xero and other tools
  • Trusted by 37,000+ customers
Visit Pleo Get started for free

Stop wasting time on expenses, receipts, reimbursements and invoices.

Centralise your business spending for complete financial efficiency and balance the books effortlessly with Europe’s most loved and trusted expense management platform.

Connect your tools to Pleo and simplify your workflow:
  • Xero and other accounting systems & ERPs
  • Gmail, Microsoft Outlook, Zapier and many others

For every business, at every stage. Join over 30,000 companies using Pleo every day – from professional services to software and start-ups to enterprises.

Learn more about Pleo and take the stress out of business spending

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9
  • Up to £250k credit limits
  • Save on FX compared to banks (1.99%)
  • All-in-one solution
Visit Payhawk Request a demo

Working best for businesses with >50 employees, Payhawk’s leading expense management solution offers a wide variety of solutions to businesses that enable them to better manage their expenses, invoices and subscriptions.

One of the many benefits Payhawk offer is there host of fantastic integrations, allowing you to take advantage of their expense management suite whilst not losing connection with your existing business tools. Some examples of their integrations include:

– Xero
– Microsoft Dynamics 365
– NetSuite
– Azure
– Quickbooks
– And more!

If their existing integrations aren’t enough, Payhawk also offer the ability to customise integrations for their clients through their partner API form, meaning all businesses can be supported.

Payhawk also offer the most efficient corporate visa credit and debit cards for your business, which backed up by their powerful expense management software allows you to manage your cash flow with ease:

– Set impactful spend controls
– Real-time business spend monitoring
– Simplified bulk card management
– Create approval flows that reflect company structures

And all this is just the tip of the iceberg when it comes to what Payhawk could offer you business. Schedule a free demo today to find out how they can help your business take back control on your finances and expenses.

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8.1
  • Steep learning curve
  • Good for technologically proficient users
  • Basic receipt management
  • Great functionalities for larger businesses

Frequently Asked Questions

What features should I look for in expense management software?
Focus on these essential capabilities:
  1. Automated data capture
  2. Built-in policy enforcement
  3. Seamless accounting integration
  4. Real-time spending dashboards
  5. HMRC-compliant reporting
  6. Employee-friendly mobile app

How can this software help my business manage compliance?
Expense management software automates adherence to critical UK regulations, significantly reducing manual errors and audit risks. It maintains clear digital records, flags out-of-policy claims before they are approved, and automatically calculates mileage claims based on HMRC rates. This saves your finance team countless hours while ensuring all reports are audit-ready by default.  

How do these systems benefit my employees on a day-to-day basis?
Improve the employee experience by making expense submissions faster and easier, which encourages timely filing and reduces lost receipts. A solid mobile app allows your team to submit expenses on the spot, streamlining the process and eliminating the need for tedious follow-ups. When employees find a system easy to use, they are far more likely to adopt it, ensuring your investment delivers its full value.

Why are manual expense processes so costly and inefficient?
Manual methods using spreadsheets or paper receipts are a hidden drain on resources, costing businesses in wasted time and potential errors. These processes often lead to inaccurate data, VAT mistakes, and a lack of real-time visibility into company spending. By automating these tasks, you save hours each month and gain immediate insight into where company money is being spent, allowing for more informed financial decisions.

Our Favorites

Editor's Top Pick
Take charge of your company spend. Less paperwork, but more control over spend, faster month-end, and more accurate reporting.
Book an intro
Visit Moss
Equals Money can streamline your expense management by providing a user-friendly platform that allows you to easily track and categorize your spending
Book an intro
Visit Equals Money
Take control of your organisation’s finances with Capture Expense, the ultimate expense management software.
Free Trial
Visit Capture Expense

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