Comparison
Vivid Business vs Spendesk
A side-by-side look at Vivid Business and Spendesk — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Vivid Business
The financial super-app for European businesses.
Vivid Business is a European business banking app combining accounts, cards, sub-accounts and investing for SMBs.
Spendesk
The 7-in-1 spend management platform for finance teams.
Spendesk unifies corporate cards, invoice payments, expense claims, approval workflows, budgets and pre-accounting — purpose-built for European mid-market finance teams.
Side-by-side
| Spec | Vivid Business | Spendesk |
|---|---|---|
| Tagline | The financial super-app for European businesses. | The 7-in-1 spend management platform for finance teams. |
| Headquarters | Berlin, Germany | Paris, France |
| Founded | 2020 | 2016 |
| Regions | EU | EU, UK |
| Card type | Visa debit | Prepaid + credit (FR market) |
| Pricing | From €0 Standard to €100/mo Enterprise. | Custom pricing based on users and modules. |
| Rewards | Cashback on premium plans. | — |
| Best for | European SMBs, Freelancers | Mid-market, Multi-entity European groups, Finance teams that need approval workflows |
| Integrations | Datev, Xero | Datev, Netsuite, Xero, QuickBooks, Sage, Cegid |
Vivid Business: pros & cons
- Flexible sub-accounts
- No credit
Spendesk: pros & cons
- Workflow depth
- European compliance built-in
- Banking license (Spendesk Financial Services)
- Opaque pricing
- Heavier than Pleo for small teams