Spendesk review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Spendesk is a business only provider of debit cards, and it suits companies that want physical and virtual cards under French supervision. The catch is a currency conversion cost of 2.99%, well above the free rivals, so it earns its place for firms that mostly spend in the euro area.
Key facts
- Best for
- A company card account that needs virtual and physical cards with French supervision
- Currency conversion fee
- 2.99%↗
- Free ATM withdrawals
- €0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- SPENDESK FINANCIAL SERVICES↗
- Headquarters
- France↗
- Support channels
- Help-centre, Community↗
- Features
- Multi-currency, Virtual card, Travel
- Audience
- Business
- Official website
- spendesk.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXfacebook.com
Pros and cons
Pros
- Cash withdrawals are free, with a free ATM allowance of €0.
- The feature set covers multi currency, virtual card and travel, so one card covers online only spend and travel.
- A debit card on the visa network, drawing straight from the business balance.
- French supervision sits behind it, with ACPR permissions 17518 and PSD_PI FR_ACPR!95851.
Cons
- Currency conversion costs 2.99%, against 0% at Monzo Flex and 0% at Bitpanda.
- Support runs on help centre and community only, so there is no phone line for a stuck card.
- A business only account, business, which leaves personal spending to a consumer provider.
Who it suits
- Companies that want a virtual card for subscriptions alongside a physical card for staff
- French registered businesses that want a Visa debit card with a French regulator on paper
- Firms that mostly spend in the euro area and so rarely trigger the conversion fee
Who should look elsewhere
- Anyone converting currency often, since Monzo Flex charges 0% against Spendesk's 2.99%
- People after a personal multi currency account, where Wise's conversion fee of 0.1% is a fraction of 2.99%
Where it sits among rivals
On free ATM withdrawals Spendesk places 38 of 104 brands compared, so cash access sits a little below the middle. On currency conversion it drops to 199 of 237, close to the back of the field. Cardholders who spend in the euro area pay that cost rarely, while anyone buying abroad pays it every time.
Who runs it
The account is run by SPENDESK FINANCIAL SERVICES, a company based in France. It appears in the ACPR register under 17518 and PSD_PI FR_ACPR!95851, so the French regulator is the name on paper for the company and the cards it hands out. Support runs on help centre and community only, which leaves card questions, limit changes and activation requests handled in writing rather than on a call.
How Spendesk compares
8.5 vs 9.4
8.5 vs 9.0
8.5 vs 8.2
8.5 vs 9.5
8.5 vs 9.6
8.5 vs 9.0
8.5 vs 9.1Conversion costs 0% against 2.99%, with no conversion charge to budget for.
8.5 vs 8.9
8.5 vs 8.1
8.5 vs 8.2
8.5 vs 9.5
8.5 vs 9.4
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.0
8.5 vs 8.9- 8.5 vs 8.8
8.5 vs 8.8
8.5 vs 8.6
8.5 vs 8.5
8.5 vs 8.3
Where Spendesk is available
- Licence in France
- ACPR (17518), checked September 26, 2026
- Licence in France
- FR_ACPR (PSD_PI FR_ACPR!95851), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does Spendesk charge to convert currency?+
Currency conversion on the card costs 2.99%, and the cards run on visa. The fee applies whenever a purchase settles in a currency other than the one the account is held in, which matters most for travel and overseas suppliers.
Are cash withdrawals free on a Spendesk card?+
Cash withdrawals come with a free ATM allowance of €0, so taking cash out adds nothing to a purchase. On that measure Spendesk places 38 of 104 brands compared, a little below the middle of the field on this site.
What kind of card does Spendesk issue?+
Spendesk issues a debit card that runs on visa, and the feature set covers multi currency, virtual card and travel. Because the card is a debit card, spending draws down the business account balance as each payment goes through, straight from the company account.
Who can open a Spendesk account?+
Spendesk is built for business users, business, so an account is opened for a company rather than for personal spending. Cards go to staff at that company, and the features include a virtual card, multi currency use and travel.
Is Spendesk regulated?+
The provider appears in the ACPR register under 17518 and PSD_PI FR_ACPR!95851, and the company behind the account is SPENDESK FINANCIAL SERVICES, based in France. The French regulator is the name on paper for the account and the cards.
How do I get help from Spendesk?+
Support runs on help centre and community, so questions about a card, a limit or an activation go through the help centre or the community in writing. There is a written record for company expense queries, and no phone line to wait on.
Can staff get a virtual card for online spend?+
The feature list covers multi currency, virtual card and travel, and the virtual card is the part that suits online spend. Teams can hand a card to a new hire or a contractor for software subscriptions and advertising without waiting for a physical card to arrive.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=FR_ACPR!95851; EntityType=PSD_PI; ENT_NAM=SPENDESK FINANCIAL SERVICES”
- helpcenter.spendesk.com/en/articles/4156505-activate-cash... checked September 26, 2026
Backs: Free ATM withdrawals
“A fee of 0.75% per withdrawal applies, with a minimum charge of 1 EUR.”
- helpcenter.spendesk.com/en/articles/4156517-use-your-phys... checked September 26, 2026
Backs: Features, Currency conversion fee, Card network
“You can use your Spendesk card anywhere VISA is accepted, including when traveling abroad.”
- spendesk.com checked September 26, 2026
Backs: Audience, Card type, Support channels
“Spendesk is ideal for companies from 50 employees to 250”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Protection.
Spendesk
A company card account that needs virtual and physical cards with French supervision