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Accounting · head to head

Spendbase vs Veem

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
Veem logo

Veem

Accounting

Global business payments made simple

From
$14.99/month
Rated
-
Full reviewWebsite

The short version

  • Only Spendbase has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Veem per-transaction fees can be higher than dedicated wire transfer services for large volumes
  • They diverge on capability: Spendbase covers Subscription visibility, Veem covers International payments.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Spendbase and Veem actually diverge.

Attributes where Spendbase and Veem differ
AttributeSpendbaseVeem
Starting priceFree$14.99/month
Pricing modelFree card tier, plus a share of savings on the managed planUnknown
Free tierYesNo
PlatformsWebWeb, iOS, Android
FoundedUnknown2014

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 Spendbase

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

Only in Veem

  • International payments
  • Multi-currency
  • Invoice creation
  • Payment tracking
  • Accounting sync
  • QuickBooks
  • Xero
  • NetSuite

What people use each for

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

Spendbase

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

Veem

  • International vendor paymentsnot Spendbase
  • Cross-border transactionsnot Spendbase

Where each one falls short

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

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.

Veem

  • Per-transaction fees can be higher than dedicated wire transfer services for large volumes
  • No free tier - even basic sending incurs transaction fees
  • Premium plan pricing at $14.99/month may not offset savings on transaction fees
  • Limited banking partnerships compared to larger financial platforms

Pricing, plan by plan

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

Veem

$14.99/month

No published plan breakdown. See the Veem review.

Which should you pick?

Choose Spendbase if

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

Choose Veem if

  • You need international payments.
  • You work on Web, iOS, Android.
  • You also want multi-currency.
Veem review

Questions people ask

Is Spendbase or Veem better?
Neither clearly leads. Spendbase starts at Free and Veem at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Spendbase or Veem?
Spendbase has a free tier; the other does not. Paid plans start at Free for Spendbase and $14.99/month for Veem.
Does Spendbase or Veem run on more platforms?
Spendbase runs on Web. Veem runs on Web, iOS, Android.
Can I use Spendbase for free?
Yes. Spendbase has a free tier, so you can try it without paying. Veem starts at $14.99/month.
What is Spendbase best used for?
Spendbase is most often used for a startup with no procurement function that wants renewal dates and subscription owners in one place, a company with heavy azure or cloud spend that can use pre-negotiated credit allocations, issuing virtual cards per subscription so a forgotten trial cannot renew silently, a finance lead who wants software cost reduction without hiring anyone to do it. Of those, a startup with no procurement function that wants renewal dates and subscription owners in one place and a company with heavy azure or cloud spend that can use pre-negotiated credit allocations are not what Veem is typically brought in for.
What can Spendbase do that Veem cannot?
Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback. Veem covers International payments, Multi-currency, Invoice creation, Payment tracking.

Answered from the vendors’ own pages

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.

Veem: What payment methods does Veem support?

Veem supports ACH transfers, checks, wallet transfers, and international wires. Payment methods vary by destination country and user preference.

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.

Veem: Is there a free tier?

No free tier. Veem charges per-transaction fees based on payment method and destination, with optional Premium Plan at $14.99/month offering enhanced features.

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.

Veem: What integrations does Veem have?

Veem integrates with QuickBooks, Xero, QuickBooks Online, NetSuite, Zapier, Plaid, and PopBookings for automated accounting and workflow integration.

Source
Spendbase: Is it suitable for an enterprise?

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

Veem: How does Veem handle exchange rates?

Veem uses claimed competitive exchange rates and provides transparent pricing. Transactions are routed through different payment rails (credit cards, checks, cryptocurrency) based on the destination.

Source
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