Spend management platforms in Europe
25 verified European providers, ranked European-origin first (24 EU/EEA-origin). Corporate cards plus expense and accounting. Compare by EEA data residency, licence and regulator - each verified at source.
25 verified providers
Last source verification in this list: 2026-07-13. How we verify →
At a glance (25 providers): licences: 10 EMI, 7 not documented, 6 PI, 2 Vendor; EEA data residency: 22 Yes, 2 Partial, 1 No; headquarters: 23 EU core, 1 UK, 1 Wider Europe.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Entry price | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|---|
 AirPlus | Germany EU core | PI | Yes | – | – | 2026-07-13 | Request intro |
 Billhop | Sweden EU core | PI | Yes | – | – | 2026-07-13 | Request intro |
 Cardlay | Denmark EU core | – | Yes | – | Card issuing software | 2026-06-25 | Request intro |
 Circula | Germany EU core | – | Yes | from EUR 8/user/mo | – | 2026-06-26 | Request intro |
 Coverflex | Portugal EU core | Vendor | Yes | – | – | 2026-07-13 | Request intro |
 Epassi | Finland EU core | PI | Yes | – | – | 2026-07-13 | Request intro |
 Eurowag | Czechia EU core | EMI | Yes | – | – | 2026-07-11 | Request intro |
 Fidoo | Czechia EU core | PI | Yes | – | – | 2026-07-11 | Request intro |
 Findity | Sweden EU core | – | Yes | – | – | 2026-06-25 | Request intro |
 Finom | Netherlands EU core | EMI | Yes | free plan; from EUR 8.99/mo | Lending module | 2026-06-26 | Request intro |
 Juni | Sweden EU core | EMI | Yes | – | – | 2026-06-26 | Request intro |
 Mazepay | Denmark EU core | PI | Yes | – | – | 2026-07-11 | Request intro |
 Medius | Sweden EU core | Vendor | Yes | – | – | 2026-06-26 | Request intro |
 Mobilexpense | Belgium EU core | – | Yes | – | – | 2026-06-25 | Request intro |
 Mooncard | France EU core | EMI | Yes | – | – | 2026-06-25 | Request intro |
 Moss | Germany EU core | – | Yes | – | – | 2026-06-25 | Request intro |
 Payhawk | Bulgaria / UK EU core | EMI | Partial | – | – | 2026-06-25 | Request intro |
 Pleo | Denmark EU core | EMI | Yes | from GBP 9.50/mo | – | 2026-06-25 | Request intro |
 Pliant | Germany EU core | EMI | Yes | – | Card issuing software | 2026-06-25 | Request intro |
 Qonto | France EU core | PI | Yes | from EUR 9/mo | – | 2026-06-26 | Request intro |
 Rydoo | Belgium EU core | – | Yes | from EUR 8/user/mo | – | 2026-06-25 | Request intro |
 Spendesk | France EU core | EMI | Yes | – | – | 2026-06-25 | Request intro |
 Swile | France EU core | EMI | Yes | – | – | 2026-07-11 | Request intro |
 Yokoy | Switzerland Wider Europe | – | No (CH) | – | – | 2026-06-25 | Request intro |
 Soldo | UK / Italy UK | EMI | Partial | from GBP 21/mo | – | 2026-06-25 | Request intro |
FAQ
What does a spend management platform include?
Corporate cards plus expense capture, approvals, budgets and accounting sync - bought as SaaS, not built. Fintechnologica lists 25 verified platforms (24 European-origin), and this category has unusually transparent public pricing, which we show.
European spend platform vs US tools - what changes?
Local IBANs and SEPA rails, EU VAT handling, EEA data residency and euro pricing. European platforms (Pleo, Payhawk, Qonto...) compete head-on with US suites on features while keeping data in the EEA.