Softwr

Accounting · head to head

Spendesk vs Volopay

Spendesk logo

Spendesk

Accounting

Smart spend management for modern teams

From
$29/month
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

  • Each has a real cost: Spendesk no publicly available pricing, requires custom quote; 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: Spendesk covers Company cards, 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 Spendesk and Volopay actually diverge.

Attributes where Spendesk and Volopay differ
AttributeSpendeskVolopay
Starting price$29/monthOn request
Pricing modelsubscriptionquote
PlatformsWeb, Mobile iOS, Mobile AndroidWeb, iOS, Android
CategoryAccountingPayroll
Founded2016Unknown

Identical on both: free tier (No), 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 Spendesk

  • Company cards
  • Invoice payments
  • Budget management
  • Spend analytics
  • Xero
  • Sage
  • NetSuite
  • SOC 2

Only in Volopay

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

Both cover

  • Expense management

What people use each for

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

Spendesk

  • Expense managementnot Volopay
  • Spend controlnot Volopay
  • Finance automationnot Volopay

Volopay

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

Where each one falls short

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

Spendesk

  • No publicly available pricing, requires custom quote
  • Strong European presence but limited in some non-EU markets
  • High implementation costs due to extensive integration requirements

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

Spendesk

$29/month
  • EssentialsFree
    • Virtual cards
    • Expense tracking
    • Approvals

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 Spendesk if

  • You need company cards.
  • You work on Web, Mobile iOS, Mobile Android.
  • You also want invoice payments.
Spendesk 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 Spendesk or Volopay better?
Neither clearly leads. Spendesk starts at $29/month and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Spendesk or Volopay?
Spendesk starts at $29/month and Volopay at On request.
Does Spendesk or Volopay run on more platforms?
Spendesk runs on Web, Mobile iOS, Mobile Android. Volopay runs on Web, iOS, Android.
What is Spendesk best used for?
Spendesk is most often used for expense management, spend control, finance automation. Of those, expense management and spend control are not what Volopay is typically brought in for.
What can Spendesk do that Volopay cannot?
Spendesk covers Company cards, Invoice payments, Budget management, Spend analytics. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Accounting integrations. Both handle Expense management.

Answered from the vendors’ own pages

Spendesk: What is included in Spendesk's platform?

Spendesk combines corporate cards, a mobile receipts app, approval workflows, automated reconciliation, accounts payable, procurement, and spend controls into one platform.

Source
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.

Spendesk: How does Spendesk handle expense receipts?

Spendesk captures receipts via mobile photo upload with OCR technology, automatically matching receipts to transactions and generating automated expense reports with 98% of expense receipts collected on time.

Source
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.

Spendesk: What integrations does Spendesk offer?

Spendesk integrates with accounting software including Sage, Xero, NetSuite, and SAP, plus HR systems and tools like Slack for comprehensive spend management.

Source
Volopay: Is pricing published?

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

Spendesk: Is Spendesk profitable?

Yes. Spendesk became the first spend management platform to reach profitability in 2025, processing over £10 billion in spend across 35+ countries.

Source
Spendesk: What is Spendesk's valuation?

Spendesk is a unicorn company with a valuation of $1.5 billion, with 2025 revenue of $52 million ARR.

Source
Spendesk: How much time can Spendesk save on bookkeeping?

Organizations using Spendesk save an average of 4 days per month on bookkeeping, equivalent to over 380 hours per year returned to the business.

Source
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