Spenmo

*Corporate and Virtual Cards -- Issue unlimited physical and virtual credit cards to your employees for secure local and international payments. Spenmo cards are equipped with security features such as real-time payment updates with quick detection of fraudulent activities and dubious transactions. With Spenmo, you can freeze and unfreeze cards with one click, block purchases from unauthorized vendors through our merchant lock feature, as well as customize the card limit of each team member. *Cheapest International Transfers -- Spenmo offers the cheapest and best FX rates, at 0% FX rate markup. We provide the rates that you see on Google. Never worry about burning FX charges when you’re paying overseas suppliers, remote workers, or international payroll. *Automated Local and International Transfers -- Reduce the time it takes to make your payments by 80% in 2 steps. Email your invoices to Spenmo or bulk upload them in your dashboard and our technology will be able to scan and extract the data required to automate the payout to your suppliers and vendors around the world. *Seamless Expense Claims -- You may also take advantage of Spenmo’s platform for seamless employee expense claims, which allows you to reimburse claims in 3 easy steps. Simply take a photo of your receipt or invoice, upload it, and have it approved via the approval workflow set by your company. *Convert Credit to Cash -- Utilise your company credit cards to their full potential with Spenmo. Upload funds to your dashboard using your credit card through Spenmo’s ‘Convert Credit to Cash’ feature. We support all major credit cards from Citibank, DBS, HSBC, OCBC, Standard Chartered, and UOB. *Payroll Management -- Empower your company and your employees with Spenmo’s free and confidential payroll system. With Spenmo’s payroll system, companies can process domestic and international payrolls for free. In addition, you can bulk upload employee salaries in a few clicks, regardless of what bank account they have. *Accounting Reconciliation -- Spenmo syncs with your existing accounting systems such as Xero Advanced Integration, Quickbooks, and more."How do you position yourself against your competitors?✅ NO hidden fees, or sign up fees✅ Cheapest international transfers with 0% FX markup✅ Real-time notifications, visibility and tracking of business spends✅ Automated invoice payments✅ Invoice approval workflows✅ Instant access to unlimited virtual and physical corporate cards✅ Seamless accounting automation and reconciliation✅ Expense management software Pricing: Free Per Month. AI-U provides independent editorial assessments based on hands-on evaluation. Our listings include feature comparisons, integration guides, and pros/cons summaries to help you make informed decisions. Check the full product page for screenshots, video walkthroughs, community discussions, and detailed pricing breakdowns. We verify pricing information monthly and update our reviews when significant product changes occur.