Expensify alternatives are sought by two groups. Small teams that came for receipt scanning find themselves comparing a per-member bill with free or card-funded tools. Growing finance teams want spend control before the purchase, with company cards, budgets and procurement, which an expense-report workflow handles after the fact. They move to card-led spend platforms, to cheaper per-user tools, or to a European provider.
AuthorHannah ReiterSenior Analyst, Business Applications
Short answer: The closest replacements for Expensify in our expense management ranking are Ramp, Zoho Expense and Pleo. Choose Ramp if you want to move cards and spend control to one platform and your team is growing. All 12 alternatives below are ranked products from Best Expense Management Software in 2026, and each says where it differs from Expensify.
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Pricing: Collect $5 per member per month, Control $18 to $36, published; free Submit plan for individual employees only
Established in: United States
Built for: A team that needs receipt scanning and nothing more
Not for: A finance function that wants European card issuing
01
Why buyers look past Expensify
01
A per-member bill with two billing models
Expensify lists two paid workspace plans. Collect is $5 per unique member per month on pay-per-use billing. Control is $18 per member per month on an annual subscription, or $36 on pay-per-use, and the annual subscription can be discounted by up to 50% depending on how much approved USD spend goes through the Expensify Card. Finance teams that do not issue that card pay the higher end, and many start comparing flat-fee or free tiers.
02
Reports first, spend control second
Expensify began with receipt scanning and expense reports, and its pages now also cover travel, a Visa commercial card with up to 2% cash back, bill pay and invoicing. The workflow is still organised around an employee submitting an expense and someone approving it. Teams that want budgets, virtual cards per vendor and procurement approval before money leaves are shopping in a different category of product.
03
The free plan is for individuals
The free Submit workspace lets an individual employee code and submit expenses, but it leaves out approvals, payments and integrations. A company cannot run its process on it. Several alternatives publish free tiers for the whole organisation, such as Ramp, Brex, Zoho Expense and Navan, so the comparison with them is on what each free tier withholds.
Travel and expense suite for mid-sized and large organisations
audit and policy enforcement for a global finance team outweigh simple setup
#12
03
What each one does differently
1
Ramp
United States · Free plan; Plus $15 per user per month plus a platform fee, published; Enterprise custom
Ramp is built around the corporate card and treats expenses, accounts payable and treasury as parts of one platform. It has a free plan and a Plus plan at $15 per user per month plus a platform fee based on team size, billed annually for a 20% saving. Expensify is a workflow you attach to cards you already hold; Ramp expects to issue them.
Switch from Expensify if you want to move cards and spend control to one platform and your team is growing.
India · Free plan; paid plans per user per month, published
Zoho Expense has a free plan for up to 3 users with 20 receipt scans per user per month, and paid Standard and Premium plans per user with a five-user minimum. Corporate card management and cash advances start at Standard. It is part of the Zoho suite and lacks Expensify's own card and its travel booking.
Switch from Expensify if you want a low per-user price or already run Zoho Books or the wider Zoho suite.
Pleo is a Danish company that sells cards and expenses together at £8, £14 or £18 per user per month (Start, Build, Optimise). Reimbursements and approval workflows start at Build, budgets and cashback at Optimise. Where Expensify charges per active member for a report workflow, Pleo's model assumes employees spend on Pleo cards.
Switch from Expensify if you are a European SME that wants cards, reimbursements and per-user pricing.
United States · Free tier; Premium $12 per user per month, published; Enterprise custom
Brex has an Essentials plan at no per-user cost and Premium at $12 per user per month, with unlimited corporate cards accepted in 210+ countries and travel booking included. Premium adds customisable expense policies, approval chains and multi-entity support. It is a card-and-spend platform, so it suits companies willing to adopt its cards.
Switch from Expensify if you are a startup or growth company that wants cards and spend control at low per-user cost.
United States · Business plan free for up to 300 employees for travel; expense free for 5 users, then $15 per user per month, published; Enterprise quoted
Navan leads with travel: the Business plan is free for companies up to 300 employees on travel, and expense is free for the first 5 users, then $15 per user per month. Its free model is funded by travel providers' commissions. Expensify treats travel as an add-on, while Navan does not make sense for companies that book little travel.
Switch from Expensify if your team travels often and you want booking and expenses in a single tool.
Spendesk prices on a fixed platform fee plus variable fees based on transaction volume (card purchases, invoice payments, expense claims), with unlimited users and no per-user charge. It operates in the EEA, UK and US and quotes by request. Procurement and accounts payable are add-ons. Expensify bills by member, so a large team with few transactions pays very differently.
Switch from Expensify if many people submit few expenses, so per-user pricing is a poor fit.
Germany · Free plan for up to 3 users; paid plans quoted as a platform fee plus a transaction-volume fee
Moss is a German spend platform with modular pricing: one platform fee, plus a variable transaction-based fee, and no per-user charge. It offers a free start with cards or accounts payable, and modules for corporate cards, reimbursements and accounts payable, with 50+ accounting integrations. It operates in the EU, UK, Germany, Austria and the Netherlands.
Switch from Expensify if you want a European platform that charges by modules and volume instead of per member.
United Kingdom · Plan fee from £27 a month with three cards and users included, published; card issuance and other e-money fees on top; Unlimited quoted
Soldo is a UK company that starts at £27 a month plus VAT for a plan with 3 users and 3 cards, and £39 for Plus. Card issuance and withdrawals are charged separately through Soldo Financial Services Ltd. Spend runs through cards and wallets, so limits are set before purchase, which a pure reporting tool does not offer.
Switch from Expensify if a small UK team wants cards with limits per user and a flat monthly fee.
United Kingdom · Modular and quoted: platform fee plus per-card, invoice and reimbursement units; small-business Growth programme £149 a month, published
Payhawk is headquartered in London and sells modules for travel, cards and expenses, bill pay and procure-to-pay, charging a fixed foundation plus per-unit fees for cards, reimbursements and invoices. A Growth programme at £149 a month covers UK and EEA businesses under 20 employees. Pricing is more modular than Expensify's per-member rates and takes more effort to estimate.
Switch from Expensify if you need expenses, procurement and invoice handling in one tool for a mid-sized company.
France · Quoted per organisation; €10 per card issued
Mooncard is a Paris-based company combining physical and virtual cards, an expense app and automatic accounting entries, with e-invoicing and fuel cards for fleets. It integrates with SAP, Sage, Cegid, Microsoft Dynamics and Exact Online, and its pricing is on a separate tariff page. It focuses on France and Europe, unlike Expensify's wide integration list.
Switch from Expensify if your company is in France and your accounting runs on a French or European ERP.
SAP Concur Expense is built for large organisations and ties expenses to travel booking, with over 300 integrations. Its site lists per-report pricing (Base from $7 per report, Plus from $11, Premium custom), unlike Expensify's per-member plans. Our data lists it as quoted. It is heavier to implement and adds little for a team of ten.
Switch from Expensify if you are a larger organisation that wants travel and expense under an enterprise vendor.
Emburse covers expense management, travel, AP automation and payments, and lists compliance certifications including ISO 27001 and SOC 2 Type II, with coverage in 100+ countries. It does not publish pricing on its pages. Expensify is lighter to adopt, while Emburse targets organisations that want audit tools and a vendor-assured compliance layer.
Switch from Expensify if audit and policy enforcement for a global finance team outweigh simple setup.
Expensify stays the better choice for a team whose problem is exactly receipts and reimbursement: SmartScan reads receipts from a photo, bring-your-own-cards imports transactions from more than 10,000 banks without switching cards, and it connects to more than 45 systems including QuickBooks, NetSuite, Xero and Sage Intacct. If you already hold company cards you like and the Collect or Control price per member is acceptable, a card-led platform solves a problem you do not have.
05
What moving off Expensify involves
01
Settle open reports before you cut over
Expense reports in flight are the hardest thing to move. Agree a cutover date, let approvers clear the queue and make sure reimbursements are paid before the old workspace is closed. Export historical reports first, because your auditors may expect them in the format in which they were approved.
02
Rebuild policy rules and accounting mappings
Categories, approval chains and the mapping to your ledger belong to the workspace. Rebuild them in the new tool and test with one team against your accounting package. Expensify lists integrations with QuickBooks, NetSuite, Xero and Sage Intacct, so check that your ledger is supported on the other side before committing.
03
Cards change the project
Moving to a card-led tool such as Ramp, Pleo or Brex means replacing company cards, which involves a credit or KYC process and time for cards to arrive. Plan that separately from the software cutover, and keep the existing cards in use until the new ones work.
06
Questions about replacing Expensify
5 answers
What is the best alternative to Expensify?
For a card-led platform, Ramp and Brex are the best-known. Zoho Expense is the low-cost per-user choice, Pleo and Moss suit European companies, and Navan fits travel-heavy teams. The right one depends on whether you want to keep your own cards or change them.
Is there a free alternative to Expensify?
Zoho Expense has a free plan for up to 3 users, Ramp has a free plan, Brex has a free Essentials plan, and Navan expense is free for the first 5 users.
Expensify's own free Submit workspace covers only individual employees without approvals or integrations. Check which limits apply to your team size.
Which Expensify alternative is best for European companies?
Pleo (Denmark), Spendesk (France), Moss (Germany), Mooncard (France) and Payhawk and Soldo (UK) are all based in Europe.
Each issues its own cards, so a move is also a change of card provider. Check the countries each operates in, as Moss and Mooncard list their markets explicitly.
Do I have to switch my company cards?
Not with Expensify, which supports bring-your-own-cards linking cards from banks. Card-led alternatives such as Pleo, Soldo and Moss are designed around their own cards. Ask each vendor what happens to spend on your existing cards before choosing.
Why is Yokoy not in this list?
Yokoy is in our category data, but its domain now redirects to Perk, a travel and spend platform, so we could not verify Yokoy as a standalone product. We left it out rather than describe a product we could not confirm.
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Sources
Checked 8 October 2026
Expensify billing overview (help): Collect $5 per member, Control $18 annual or $36 pay-per-use, up to 50% Expensify Card discount, free Submit workspace for individuals.
Expensify homepage: SmartScan, bring-your-own-cards from 10,000+ banks, 45+ integrations, Expensify Visa card with up to 2% cash back, travel, global reimbursements.
Ramp pricing: Free plan, Plus at $15 per user plus platform fee, 20% annual saving, Enterprise custom.
Zoho Expense pricing: Free plan for 3 users and 20 scans per user, Standard and Premium with five-user minimum, corporate card and cash advances on Standard.
Pleo pricing: Start, Build and Optimise at GBP 8, 14 and 18 per user, feature split, Copenhagen headquarters.
