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Accounting · head to head

Fyle vs Sardine

Fyle logo

Fyle

Accounting

Real-time expense management that works with your cards

From
$11.99/month per active user
Rated
-
Full reviewWebsite
Sardine logo

Sardine

Cybersecurity

Device intelligence and behaviour biometrics for fraud and compliance

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill; Sardine signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • They diverge on capability: Fyle covers Real-time card tracking, Sardine covers Device intelligence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fyle and Sardine actually diverge.

Attributes where Fyle and Sardine differ
AttributeFyleSardine
Starting price$11.99/month per active userOn request
Pricing modelsubscriptionquote
CategoryAccountingCybersecurity
Founded2016Unknown

Identical on both: free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fyle

  • Real-time card tracking
  • Automatic receipt matching
  • Expense policies
  • Approval workflows
  • Mileage tracking
  • QuickBooks
  • Xero
  • Sage Intacct

Only in Sardine

  • Device intelligence
  • Behaviour biometrics
  • Scam detection
  • Onboarding risk scoring
  • AML transaction monitoring
  • Dispute and chargeback handling
  • Rules editor

What people use each for

The jobs each tool is most often brought in to do.

Fyle

  • Expense reporting and corporate card reconciliationnot Sardine
  • Enforcing spend policy and approvals before reimbursementnot Sardine

Sardine

  • A neobank losing money to authorised push payment scams where the customer genuinely approved the transfernot Fyle
  • A crypto exchange trying to detect accounts being operated by remote access rather than by their ownernot Fyle
  • A fintech seeing synthetic identity signups that pass document verification but share device characteristicsnot Fyle
  • A lender wanting first party fraud signals at application time that a credit bureau file does not containnot Fyle

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fyle

  • Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
  • API access and the Sage Intacct and NetSuite integrations require a paid tier
  • ACH reimbursements and project expense tracking sit above the entry plan
  • Both published plans are billed annually
  • Enterprise pricing is custom and aimed at organisations with 250 or more employees

Sardine

  • Signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • Behavioural and device telemetry collection needs a documented lawful basis under GDPR, and EU privacy reviews frequently delay rollouts that were scoped as engineering work.
  • Pricing is per session or per active user, so a consumer product with many low value sessions pays in proportion to traffic rather than to fraud exposure.
  • As a younger private company it lacks the enforcement-tested audit history that a bank examiner expects, which makes it a harder sell inside a regulated bank than inside a fintech.
  • It is strongest on session-time signals and weaker as a system of record for long horizon AML typologies, so larger institutions end up running it alongside a traditional monitoring platform rather than instead of one.

Pricing, plan by plan

Fyle

$11.99/month per active user
  • Growth$11.99/month per active user
    • Minimum 5 users
    • Unlimited expense tracking, receipt scanning
    • Card integrations, mileage/per diem tracking
  • Business$14.99/month per active user
    • Minimum 10 users
    • Multi-stage approvals, ACH reimbursements (US only)
    • Project tracking, Sage Intacct/300 CRE integrations
  • Enterprise$null/mo
    • 250+ employees
    • IP whitelisting, SSO options
    • Branded accounts, dedicated account manager

Sardine

On request
  • Sardine$undefined/year
    • Priced per user session or per monthly active user
    • Annual contract with volume commitment
    • SDK for web, iOS and Android

Which should you pick?

Choose Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle review

Choose Sardine if

  • You need device intelligence.
  • You work on Web, iOS, Android.
  • You also want behaviour biometrics.
Sardine review

Questions people ask

Is Fyle or Sardine better?
Neither clearly leads. Fyle starts at $11.99/month per active user and Sardine at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fyle or Sardine?
Fyle starts at $11.99/month per active user and Sardine at On request.
Does Fyle or Sardine run on more platforms?
Fyle runs on Web, Ios, Android. Sardine runs on Web, iOS, Android.
What is Fyle best used for?
Fyle is most often used for expense reporting and corporate card reconciliation, enforcing spend policy and approvals before reimbursement. Of those, expense reporting and corporate card reconciliation and enforcing spend policy and approvals before reimbursement are not what Sardine is typically brought in for.
What can Fyle do that Sardine cannot?
Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows. Sardine covers Device intelligence, Behaviour biometrics, Scam detection, Onboarding risk scoring.

Answered from the vendors’ own pages

Fyle: How does Fyle define and charge for active users?

An 'active user' is defined as an employee who creates at least one expense or has a credit card connected with active transactions monthly. You only pay for active users, not all onboarded employees.

Source
Sardine: Does Sardine do document verification?

It focuses on device, behavioural and transaction signals, and integrates identity verification providers rather than being one. Treat it as complementary to a KYC vendor.

Fyle: What is Fyle's Growth plan pricing?

The Growth plan costs $11.99 per active user per month (billed annually) with a minimum of 5 users. Includes unlimited expense tracking, receipt scanning, and single-stage approvals.

Source
Sardine: What does it need from us to work?

An SDK in your web and mobile applications plus transaction feeds. Without the client side collector you lose the signals that differentiate it.

Fyle: What features does Fyle's Business plan add?

The Business plan costs $14.99 per active user per month (minimum 10 users, annual billing) and adds multi-stage approvals, project tracking, ACH reimbursements (US only), and premium support.

Source
Sardine: Is pricing published?

No. It is quoted, typically per session or per monthly active user with an annual volume commitment.

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