Mooncard, Spendesk, Qonto, Greenway : these four players consistently appear on the shortlists of CFOs and finance directors looking to modernise professional expense management. They don't serve the same needs. Mooncard automates expense reports; Spendesk centralises spend control in large organisations; Qonto combines a business account with cards in an all-in-one offer for SMBs. Greenway covers fleet mobility and employee benefits on top of corporate expenses, with native CSR reporting. This Greenway vs Mooncard vs Spendesk comparison gives you the keys to choosing based on your company's profile.
- Mooncard : full expense-report automation (OCR, Flying Blue Miles), from €9/card/month, a strong fit for SMBs with frequent travellers.[1]
- Spendesk : centralised control and advanced approval workflows for scale-ups and mid-market companies, high cost, not suited below 50 employees.
- Greenway : corporate card + mobility (fuel, EV charging, tolls) + employee benefits (meal vouchers, gifts) + CSRD reporting, the only multi-product solution on a single card.
Side-by-side comparison
| Criterion | Greenway | Mooncard | Spendesk | Qonto |
|---|---|---|---|---|
| Corporate card | Yes, multi-use Visa | Yes, Visa | Yes, virtual + physical | Yes, virtual + physical |
| Auto expense reports | Yes | Yes (native OCR) | Yes | Yes (basic) |
| Fleet mobility | Yes (fuel + EV + tolls) | No | No | No |
| Employee benefits | Meal voucher, gift card, SMA | No | No | No |
| CSR/CSRD reporting | Native, carbon footprint | No | No | No |
| 1 % reversal | Yes, 1%ForAll® | No | No | No |
| Bank account | No | No | No | Yes, IBAN + transfers |
| Target | Mid-market, fleets, CSR-driven companies | SMBs, mid-market travellers | Scale-ups, larger SMBs | Micro-businesses, SMBs, freelancers |
Mooncard: the expense-report automation champion
Mooncard solves a specific problem: manual expense-report entry. Its mobile app automatically captures transaction data via OCR, generates the receipt, and assigns it to the right cost code, without the employee touching a spreadsheet. The impact is real: companies that migrate to Mooncard report cutting HR and finance processing time for expense reports in half.
The Flying Blue partnership (Air France Miles on every purchase) is a genuine differentiator for retaining frequent-traveller sales reps. Mooncard starts at €9 per card per month, with a minimum of five cards.[1]
Mooncard does not cover fleet mobility (fuel, EV charging, toll tags) or employee benefits. If those needs exist in your organisation, you'll need separate tools running in parallel, which recreates some of the siloed complexity that an integrated corporate card is supposed to eliminate.
Spendesk: total control, at the cost of complexity
Spendesk targets finance teams that need granular control over every expense: per-team budgets, multi-level approval workflows, single-use virtual cards for suppliers, real-time dashboards. Its integration with major accounting platforms (Sage, Cegid, Xero) is very deep: accounting journals are built almost automatically.
The model makes sense for scale-ups and larger SMBs (50+ employees) with a CFO who demands strong governance. Below that threshold, the deployment and subscription cost is disproportionate to the benefits. Spendesk also does not cover mobility or employee benefits.
Qonto: the all-in-one business account for SMBs
Qonto is a professional neobank, not a fleet expense management tool. It offers an IBAN, transfers, physical and virtual cards, and a clean interface for small organisations that want to consolidate their business banking and cards. Its positioning is clear: micro-businesses, SMBs, and freelancers looking to replace a traditional bank with a more modern, lower-cost alternative.
It is not a direct competitor to Greenway or Spendesk in the mid-market segment where fleet needs, CSRD reporting, and advanced spend control are requirements. The two can coexist: Qonto for the current account and banking flows, Greenway for the mobility expense card and employee benefits.
Greenway: one card for mobility, expenses, and benefits
Greenway starts from a different observation: the average mid-market company manages three to five separate tools for professional expenses: a corporate card, a fuel card, a toll transponder, meal vouchers, and an expense-report platform. Each tool has its own back office, its own support team, its own accounting export. The fragmentation costs time and makes financial oversight harder.
Greenway consolidates these use cases onto a single Visa card: everyday expenses, fuel (all networks), EV charging, toll tags, meal vouchers, corporate gift cards, and the Sustainable Mobility Allowance (SMA). Every transaction feeds a unified dashboard: spend, carbon footprint per vehicle, CSR score, CSRD data. The 1%ForAll® programme donates 1 % of every transaction to the Greenway Foundation for projects with measurable impact.[2]
The target profile: mid-market companies with 50 to 5,000 employees, a vehicle fleet, CSRD reporting obligations, and a CFO who wants to reduce the number of vendors without sacrificing control. For more, see our guide on company expense policy and accounting API integrations.
Only Greenway covers on a single card: fuel + EV charging + corporate expenses + meal vouchers + CSRD reporting. For a mid-market company with a fleet and CSR obligations, it is the only tool that eliminates silos without adding vendors.
Frequently asked questions
References
- Spendways, Mooncard: corporate card and expense reports, spendways.com, pricing €9/card/month, min. 5 cards, Flying Blue partnership. ↩
- Greenway, Mooncard vs Greenway comparison, greenway.care, multi-use positioning, 1%ForAll, CSRD reporting. ↩
Corporate expense guide: Corporate card, accounting integration, and expense policy: the complete corporate card and professional payment guide covers every topic.
