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SPECIFICTION
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Spendbase

spendbase.co

Free plan WebiOSAndroid
Visit spendbase.co
Spec score 8.0 #4 of 22 in SaaS Spend Management Software

What it is

Spendbase gives businesses multi-currency accounts, payment cards and tools for managing team spending. Businesses 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 controls for per-card and cardholder spending limits. Teams can submit spend requests for approval, capture receipts in the mobile app and sync transaction coding to ERP or accounting software. Spendbase lists Android, iOS and web access; its mobile apps support card management, spending tracking and 3DS transaction confirmation, while more detailed settings are on the web platform. A Free business account is free, with no monthly or per-user fee and free card issuance for eligible business customers. Pricing is also listed as available on request. Fees include 1% for currency conversion and £20 for SWIFT transfers; SEPA and SEPA Instant payments have no fee. Currency availability depends on the company’s registration location.

Spec sheet

What it does
Spendbase offers businesses multi-currency accounts, payment cards and tools to manage team spending.Read 9 Oct 2026 · spendbase.co
Integrations
Spendbase’s integration directory lists identity providers, business apps and accounting tools including Google Workspace, Microsoft Workspace, Slack, QuickBooks, Xero and NetSuite.Read 9 Oct 2026 · faq.spendbase.co
Security
Spendbase’s Trust Center lists SOC 2 Type II, ISO 27001 and PCI DSS certifications as active or valid on its certification page.Read 9 Oct 2026 · trust.spendbase.co
Support
The site says users can contact support through free in-app chat at any time.Read 9 Oct 2026 · spendbase.co
Headquarters
Lewes, Delaware, United StatesRead 28 Sep 2026 · spendbase.co
Founded
2023Read 28 Sep 2026 · spendbase.co
Company
Spendbase’s team page says the company began in 2023 and lists its headquarters as Lewes, Delaware.Read 9 Oct 2026 · spendbase.co
Accounts
Businesses can hold and move money in 12 currencies and send or receive payments via SWIFT, SEPA and Faster Payments.Read 9 Oct 2026 · spendbase.co
Banking providers
The site says UK and EEA accounts and cards are issued in partnership with Moorwand Ltd, while US digital banking accounts are provided by Sutton Bank.Read 9 Oct 2026 · spendbase.co
Cards
Spendbase offers virtual and physical cards, with per-card spending limits and the ability to assign, freeze or deactivate cards.Read 9 Oct 2026 · spendbase.co
Expense controls
The product supports spend requests and approvals, captures receipts in the mobile app and can sync transaction coding to ERP or accounting software.Read 9 Oct 2026 · spendbase.co
Integration access
Spendbase says its third-party integrations are read-only and fetch data to display in its platform.Read 9 Oct 2026 · faq.spendbase.co
Limits
Cardholders can have per-transaction, daily, weekly and monthly spending limits; available currencies and card currencies depend on the company’s registration location.Read 9 Oct 2026 · spendbase.co
Mobile app
Spendbase’s Google Play listing says its app supports 3DS transaction confirmation, card management and spending tracking, with more detailed settings on the web platform.Read 9 Oct 2026 · play.google.com
Transaction fees
The maker lists a 1% currency conversion fee, a flat £20 fee for SWIFT transfers, no fee for SEPA and SEPA Instant payments, and a 2% fee on ATM withdrawals above the monthly free allowance.Read 9 Oct 2026 · spendbase.co
Who it serves
The site describes the product for startups and scale-ups, larger companies with distributed teams, and enterprises.Read 9 Oct 2026 · spendbase.co

Plans and prices

Free business account Free No monthly fee · no per-user fee · free card issuance · eligible business customers only Read 9 Oct 2026 · spendbase.co

Every Spendbase plan and price →

Strong points and limits

Strong points

  • Accounts hold and move money in 12 currencies.
  • Virtual and physical cards have adjustable controls.
  • Supports spend requests and approvals.
  • Free account has no monthly or per-user fee.
  • Mobile apps support 3DS confirmation and spending tracking.

Limits

  • Currency and card currencies depend on registration location.
  • ATM withdrawals above the monthly free allowance incur 2%.
  • Third-party integrations are read-only.
  • Pricing is also available on request.

Who it suits

Spendbase is presented for startups, scale-ups, larger companies with distributed teams and enterprises. It may suit businesses seeking shared spend controls alongside multi-currency accounts and cards.

Verdict

Spendbase combines business accounts, cards and expense controls, with a free account for eligible businesses. Check the listed transaction fees and location-dependent currency availability against your needs.

Where Specifiction places it

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