Mooncard vs Spendesk: Features, Coverage and Pricing Compared (2026)

Key Features Compared

Mooncard vs Spendesk at a Glance, November 2026

Feature	Mooncard	Spendesk
Ratings
Fintech Index score	75 / 100Higher score	74 / 100
Overview
What it is	Spend-management platform that issues company cards and automates expense claims for businesses and public bodies	Spend-management platform that gives teams cards and requests, approves purchases, collects receipts, and pays supplier invoices
Who uses it	More than 6,000 organizations in France, including large companies and almost 500 public bodies	More than 3,000 finance teams, most of them mid-sized European companies
Main products	Configurable Visa company card, mobile receipt capture, spend approval, automatic accounting entries, and supplier e-invoicing	Physical, virtual, single-use, and subscription cards, purchase requests and approvals, invoice management, expense claims, and procurement
Where it operates	France, with plans for six more European countries	Europe
Products and features
Company cards	Visa cards for each employee	Virtual, physical, and single-use cards
Invoicing and bookkeeping	Receipts, invoices, and accounting entries	Invoice capture, receipts, and accounting sync
Deposit guarantee	Not a bank account	Not a bank account
Pricing
How pricing works	Card issuance costs €10 and loading is free; platform plans are quoted around the number of users and options	Quote only: a fixed monthly platform fee plus a fee based on transactions, with add-ons priced in the quote
Published prices	Card fees posted; platform plans quotedCard fees posted	Prices are quoted by sales
Technology and compliance
Licenses and account protection	Visa company card; not a business bank account	Licensed e-money institution in the EU; accounts are not covered by deposit guarantee schemes
Apps and API	Accounting exports	API and accounting exports
Integrations and partners	French accounting software and ERP systems	Xero, QuickBooks, DATEV, NetSuite, more than 40 HR and ERP tools, and an open API
Onboarding and support	Support in French on weekdays	Customer success team and a help center
Company
Founded	2016	2016
Headquarters	Paris, France	Paris, France
Ownership	Private spend management software and card provider	Private spend management software and e-money institution
Funding	Approximately $41M (€37M) Series C in April 2023 from Orange Ventures and Portage with Aglaé Ventures, Blackfin Capital Partners, Partech, and RAISE Ventures	Approximately $304M, including a Series C of ~$114M led by Tiger Global in January 2022 with General Atlantic, Eight Roads, and Index Ventures
Key leader	Serge Ragozin	Axel Demazy
Scale	More than 120 employees; €37M Series C in 2023	Annual recurring revenue over €50M in 2024; approximately $304M raised

Fintech Index Scores Compared

We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. Mooncard scores 75 and Spendesk scores 74.

Criterion Scores Out of 100

Key Differences Between Mooncard and Spendesk

Pricing Model

Mooncard posts card fees, with €10 for issuance and no loading fee, and quotes the platform plan. Spendesk quotes a fixed platform fee plus a transaction fee.

Customers

Mooncard is used by more than 6,000 organizations, including almost 500 public bodies. Spendesk is used by more than 3,000 finance teams, mostly mid-sized European companies.

Company

Mooncard raised €37 million in 2023 and has more than 120 employees. Spendesk has raised approximately $304M and broke even in early 2025.

Pros and Cons

Who Each Is Best For

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Frequently Asked Questions