Softwr

Accounting · head to head

Moneybird vs Spendbase

Moneybird logo

Moneybird

Accounting

Dutch online bookkeeping software for freelancers and growing entrepreneurs

From
Free
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

  • Each has a real cost: Moneybird compact tier severely limits functionality with only 5 monthly transactions; 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.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moneybird and Spendbase actually diverge.

Attributes where Moneybird and Spendbase differ
AttributeMoneybirdSpendbase
Pricing modelsubscriptionFree card tier, plus a share of savings on the managed plan

Identical on both: starting price (Free), free tier (Yes), platforms (Web), 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 Moneybird

Nothing recorded that Spendbase does not also cover.

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.

Moneybird

  • Freelancer bookkeepingnot Spendbase
  • Small business accountingnot Spendbase
  • Growing entrepreneur accountingnot Spendbase
  • Full-featured bookkeeping managementnot Spendbase

Spendbase

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

Where each one falls short

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

Moneybird

  • Compact tier severely limits functionality with only 5 monthly transactions
  • Bank connections limited to 5 on Start and Groei tiers until Compleet level
  • Multi-user support only available starting at Groei tier (29 EUR/month)

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

Moneybird

Free
  • Compact$3/month
    • 1 user
    • 5 monthly transactions limit
    • 0 bank connections
  • Start$15/month
    • 1 user
    • 20 monthly transactions
    • 5 bank connections
  • Groei$29/month
    • 5 users
    • 50 monthly transactions
    • 5 bank connections
  • Compleet$41/month
    • Unlimited users
    • Unlimited monthly transactions
    • Unlimited bank connections

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 Moneybird if

  • You want to start without paying.
Moneybird 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 Moneybird or Spendbase better?
Neither clearly leads. Moneybird starts at Free and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moneybird or Spendbase?
Moneybird starts at Free and Spendbase at Free.
Does Moneybird or Spendbase run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Moneybird for free?
Both have a free tier, so you can try either at no cost before committing.
What is Moneybird best used for?
Moneybird is most often used for freelancer bookkeeping, small business accounting, growing entrepreneur accounting, full-featured bookkeeping management. Of those, freelancer bookkeeping and small business accounting are not what Spendbase is typically brought in for.
What can Moneybird do that Spendbase cannot?
Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

Answered from the vendors’ own pages

Moneybird: How much does Moneybird cost and what free trial is available?

Plans start at EUR 3/month for Compact tier, with a 60-day free trial offering full Compleet access (EUR 41/month value) at no cost. Annual billing offers up to 25% discount across all tiers.

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.

Moneybird: What user limits exist across different Moneybird plans?

Compact and Start tiers are limited to 1 user. Groei supports 5 users. Compleet tier has unlimited users, making it the only option for multi-team organizations.

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.

Moneybird: How many transactions can I process monthly on each Moneybird tier?

Compact allows 5 transactions/month, Start allows 20, Groei allows 50, and Compleet allows unlimited transactions. Transaction limits reset monthly.

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.

Moneybird: Do Moneybird plans have bank connection limits?

Compact tier has zero bank connections. Start and Groei tiers each support 5 bank connections. Only the Compleet tier (EUR 41/month) offers unlimited bank connections.

Source
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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