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Accounting · head to head

Spendbase vs Volopay

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
Volopay logo

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

From
On request
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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • They diverge on capability: Spendbase covers Subscription visibility, Volopay covers Multi-currency business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Spendbase and Volopay actually diverge.

Attributes where Spendbase and Volopay differ
AttributeSpendbaseVolopay
Starting priceFreeOn request
Pricing modelFree card tier, plus a share of savings on the managed planquote
Free tierYesNo
PlatformsWebWeb, iOS, Android
CategoryAccountingPayroll

Identical on both: 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 Spendbase

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

Only in Volopay

  • Multi-currency business accounts
  • Virtual and physical corporate cards
  • Accounts payable automation
  • Expense management
  • Accounting integrations
  • Approval workflows

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 Volopay
  • A company with heavy Azure or cloud spend that can use pre-negotiated credit allocationsnot Volopay
  • Issuing virtual cards per subscription so a forgotten trial cannot renew silentlynot Volopay
  • A finance lead who wants software cost reduction without hiring anyone to do itnot Volopay

Volopay

  • A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Spendbase
  • A finance team wanting free domestic transfers with accounts payable automation includednot Spendbase
  • A regional business consolidating separate local business bank accounts into one multi-currency platformnot Spendbase
  • A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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.

Volopay

  • Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
  • Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
  • Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
  • As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

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

Volopay

On request
  • Volopay$undefined/month
    • Free domestic SGD transfers and Accounts Payable Automation
    • Approximately 1.6% fee on cross-border non-SGD payments
    • Approximately 3.1% fee on cross-currency spend within Singapore

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 Volopay if

  • You need multi-currency business accounts.
  • You work on Web, iOS, Android.
  • You also want virtual and physical corporate cards.
Volopay review

Questions people ask

Is Spendbase or Volopay better?
Neither clearly leads. Spendbase starts at Free and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Spendbase or Volopay?
Spendbase has a free tier; the other does not. Paid plans start at Free for Spendbase and On request for Volopay.
Does Spendbase or Volopay run on more platforms?
Spendbase runs on Web. Volopay runs on Web, iOS, Android.
Can I use Spendbase for free?
Yes. Spendbase has a free tier, so you can try it without paying. Volopay starts at On request.
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 Volopay is typically brought in for.
What can Spendbase do that Volopay cannot?
Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.

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.

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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.

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

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.

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

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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