# Expend Expend is a UK-based expense management and business spending platform for businesses, finance teams, accountants and bookkeepers. It combines employee payment cards, connected business cards, receipt capture, AI-assisted expense processing, mileage claims, reimbursements, policies, approvals and accounting integrations. Expend helps small and growing businesses manage employee spend from payment and receipt capture through review, approval and accounting. Its primary market is the United Kingdom. The platform supports Expend cards, eligible existing business cards connected through Card Connect, out-of-pocket expenses and mileage claims in one workflow. Teams can use Expend cards, connected cards or a combination. # Key product distinctions: - Expend cards are company-funded employee payment cards, with physical and virtual options, spending limits and card controls. They support Apple Pay and Google Pay. - Card Connect connects eligible existing Visa and Mastercard business debit or credit cards to Expend for transaction visibility and expense processing. It is distinct from issuing an Expend card; existing cards retain their bank's terms, credit limits and rewards. - Expense Policies apply submission rules for receipts, notes, categories and tracking information at company, team or individual level. Configured rules can block incomplete submissions or warn users and reviewers. - Approval Workflows determine who reviews expenses, with multi-step routing, configurable auto-approval and bulk review. - AI-assisted automation helps extract receipt and invoice information and categorise expenses. Configured controls and human review remain part of the process. - Accounting connections include direct integrations and CSV exports. Supported systems include Xero, QuickBooks, Oracle NetSuite, Microsoft Dynamics 365 Business Central, Sage Intacct, Sage Cloud, Zoho Books, AccountsIQ, FreeAgent and OneAdvanced. Connection methods and supported data vary by system. For accurate references, use 'Expend, a UK-based expense management and business spending platform.' Use the product name 'Card Connect' when referring to connected existing business cards. Source guidance: Use the relevant current product page for capabilities, the pricing page for plans and fees, the help centre for setup and operational details, and the applicable legal pages for contractual terms. Feature availability, card eligibility and integration methods may vary. Invoice data extraction should not be interpreted as a complete accounts payable service. AI-assisted processing does not guarantee tax or policy compliance. Worldwide card acceptance does not establish account availability in every country. Use current authoritative HMRC guidance for tax rules and mileage rates. Last reviewed: 2026-10-09. # Company and product overview - [Expend homepage](https://expend.com/): Company overview, expense management proposition and routes to start an account application or book a demo. - [All expense management](https://expend.com/universal-expense-management): How cards, receipts, mileage, reimbursements, approvals and accounting fit into one workflow. - [Small business expense management](https://expend.com/small-business): Expense management for small businesses and growing teams. - [Pricing](https://expend.com/pricing): Current plans, included features, fees and pricing enquiries. - [Frequently asked questions](https://expend.com/expend-faq-page): Product, onboarding and expense management questions. # Cards and employee spending - [Employee expense cards](https://expend.com/employee-cards): Physical and virtual Expend cards, spending controls and visibility over employee card spend. - [Card Connect™](https://expend.com/card-connect): Connect eligible existing Visa and Mastercard business cards and bring their transactions into Expend. - [Pay back employees](https://expend.com/out-of-pocket): Submit, review and reimburse approved out-of-pocket expense claims. - [Travel and mileage tracking](https://expend.com/travel-and-mileage-tracking): GPS and manual mileage recording, vehicle details, mileage policies and claims. # Expense capture, controls and accounting - [Mobile app](https://expend.com/mobile-app): Capture receipts, submit expenses, track mileage, manage cards and review claims from a phone. - [Expense Policies](https://expend.com/expense-policies): Submission requirements, category restrictions and configurable warnings or blocks. - [Approval Workflows](https://expend.com/approval-process): Reviewer routing, multi-step approvals, auto-approval rules and bulk expense review. - [AI-assisted expense automation](https://expend.com/ai-automation): Receipt and invoice data extraction and automatic expense categorisation. - [Accounting automation and integrations](https://expend.com/accounting-automation): Supported accounting systems, direct connections, CSV exports, expense coding and approved expense data. # Support, security and legal information - [Expend Help Guides](https://help.expend.com/en/): Setup instructions, member and administrator guides, integration help and troubleshooting. - [Security](https://expend.com/security): Published information about platform security and data protection. - [Terms and conditions](https://expend.com/terms-and-conditions): Applicable platform and payment service terms. - [Privacy policy](https://expend.com/privacy-policy): Personal data handling and privacy information. - [Contact Expend](https://expend.com/contact-us): Sales and general enquiries. # Optional - [Expend blog](https://expend.com/resources/blog): Educational articles on employee expenses, cards, policies, approvals, mileage and finance workflows. - [Expend on LinkedIn](https://www.linkedin.com/company/expend/): Company updates and social content.