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Accounting · head to head

Fyle vs Spendbase

Fyle logo

Fyle

Accounting

Real-time expense management that works with your cards

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

Spendbase

Accounting

SaaS and cloud spend management that charges a share of the savings it finds rather than a licence

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Spendbase has a free tier, so it costs nothing to try first.
  • 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; Spendbase charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
  • They diverge on capability: Fyle covers Real-time card tracking, Spendbase covers Subscription visibility.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Fyle and Spendbase actually diverge.

Attributes where Fyle and Spendbase differ
AttributeFyleSpendbase
Starting price$11.99/month per active userFree
Pricing modelsubscriptionFree card tier, plus a share of savings on the managed plan
Free tierNoYes
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

Identical on both: user rating (Not yet rated), category (Accounting).

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 Spendbase

  • Subscription visibility
  • Discount marketplace
  • Virtual cards
  • Cashback
  • Renewal management
  • Savings-share billing

What people use each for

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

Fyle

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

Spendbase

  • A startup with no procurement function that wants renewal dates and subscription owners in one placenot Fyle
  • A company with heavy Azure or cloud spend that can use pre-negotiated credit allocationsnot Fyle
  • Issuing virtual cards per subscription so a forgotten trial cannot renew silentlynot Fyle
  • A finance lead who wants software cost reduction without hiring anyone to do itnot 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

Spendbase

  • Charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
  • The savings share is reported at around 25 percent but is not published on the pricing page, so the actual commercial terms only appear in a contract.
  • Spendbase is both a banking provider and your software negotiator, so a company using both concentrates operating cash and vendor relationships in one small, young company.
  • Banking is delivered through partners rather than held directly, meaning deposit protection and service continuity depend on those partners rather than on Spendbase.
  • It is scoped for startups and small companies, so organisations needing approval workflows, purchase orders or ERP integration will find it thin against a real procurement platform.

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

Spendbase

Free
  • Digital bankingFree
    • No monthly fee per user
    • Up to 100 virtual cards
    • EUR and GBP account details
  • Spend management$undefined/year
    • Everything in the free tier
    • Reported share of roughly 25 percent of savings achieved
    • 200 percent return guarantee against a deposit

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 Spendbase if

  • You need subscription visibility.
  • You want to start without paying.
  • You also want discount marketplace.
Spendbase review

Questions people ask

Is Fyle or Spendbase better?
Neither clearly leads. Fyle starts at $11.99/month per active user and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fyle or Spendbase?
Spendbase has a free tier; the other does not. Paid plans start at $11.99/month per active user for Fyle and Free for Spendbase.
Does Fyle or Spendbase run on more platforms?
Fyle runs on Web, Ios, Android. Spendbase runs on Web.
Can I use Spendbase for free?
Yes. Spendbase has a free tier, so you can try it without paying. Fyle starts at $11.99/month per active user.
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 Spendbase is typically brought in for.
What can Fyle do that Spendbase cannot?
Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows. Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

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
Spendbase: Is Spendbase free?

The card and banking tier is genuinely free with no per-user fee. The spend management service is paid from a share of the savings it finds, reported at around 25 percent.

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
Spendbase: How is a saving calculated?

The methodology is not published. Agree the baseline, the measurement period and what counts as a saving in writing before signing.

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
Spendbase: Does Spendbase hold my money?

Banking is provided through regulated partners including Moorwand in the UK and EEA and Sutton Bank in the US, with Mastercard issuing the cards.

Spendbase: Is it suitable for an enterprise?

No. There are no purchase orders, approval hierarchies or ERP integration; it is built for startups.

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