Time to upgrade your spend management from Revolut Business? Uncover the top alternatives

As you scale, you need greater financial control. If you're currently using Revolut Business to manage your spend, you may be considering other options, especially those built from the ground up with finance teams in mind… But how do you know when to make the switch?

Three signs that a banking app is no longer enough:

1. Scaling to multiple entities and currencies.
2. Needing finance-first features (controls, approvals, reimbursements) beyond basic banking.
3. Requiring deep ERP/accounting integrations to avoid manual data entry.

What to look for in a complete finance platform

There are a few core capabilities you'll find useful as a scaling finance team.

Unified spend management

Ditching the fragmented tools is essential as you scale. Missing, incorrect, or duplicate data can cause financial headaches. We’re talking delayed reimbursements, lost spend, budget creep, incorrect supplier payments; the list goes on. Centralising spend management under one roof removes the need to chop and change through multiple tools. Keep data accurate and create a single source of truth for everyone to access on your terms.

Real-time, bi-directional ERP and accounting systems integrations

Finding a solution that has native ERP and accounting systems integrations (and the ability to build custom APIs) is essential for accuracy and efficiency in your finance teams. Payhawk ensures data feeds between the platform and your ERP in seconds, with no manual intervention. Data (expenses, supplier records, invoices, banking transactions, payments, and more) automatically syncs both ways, dramatically improving spend visibility while reducing admin workload.

Multi-entity management and visibility

As your organisation scales and you oversee multiple divisions or subsidiaries, managing spend becomes more complex - from fragmented data siloes to inconsistent policies and a lack of real-time visibility. A comprehensive spend management platform gives you a consolidated view of all entity spending, which is essential for making impactful business decisions. Managing all entity spending in one place also makes it easier to implement standardised spend approval and management processes.

Reliable support

Reliability is essential with any spend management platform — especially when it comes to compliance or payment issues. When you hit roadblocks, you need access to a support contact to rapidly resolve them. Support can help you set spending limits and troubleshoot spending controls, all of which are essential in ensuring compliant policy enforcement.

Advanced controls for approvals, budgets and workflows

To proactively manage spend across multiple entities, you need granular control features. From building custom approval workflows to suit your specific organisational structure, to tracking budget utilisation and creating advanced predefined rules through your spend policies.

Embedded reimbursements and invoice automation

Giving employees the ability to submit reimbursements directly through your spend management platform boosts efficiency and improves the experience for both employees and finance team members. Reimburse in bulk immediately or on a scheduled date as outlined in your policy.

Payhawk: A platform built for finance, not just banking

Unlike banking apps with finance add-ons, Payhawk is designed from the ground up for finance teams. It unifies spend, approvals, and reimbursements in one system, giving you visibility and control without slowing employees down.

It’s a holistic spend management solution that supports you as you scale, ensuring your spending remains compliant without disempowering staff as they spend.

We switched from Revolut to Payhawk… not only because with Payhawk it’s easier to meet compliance requirements, but also because we get all the support we need.

— Polina Kasaboneva, CFO, Quantive

You control every penny from afar and design approval workflows to suit your specific organisational needs. Payhawk’s solution gives you ultimate spend control and financial process efficiency.

• Licensed in the UK and EU, with regulated partners in the US. In the US, the Cross River Bank (an FDIC member institution) holds US funds. And in the UK and EU, Payhawk holds its own EMI license. This license, granted by the FCA and the Bank of Lithuania, enables us to directly issue electronic money and process payments.
• Unified control across entities with a group dashboard. No one wants to waste time switching between screens or entities to view expenses, budgets, reimbursements, and so on. Having them all in the same dashboard makes this process more efficient.
• Credit card availability and flexible spend limits. Financial needs in your organisation change, but to keep up with these changes, you need flexibility. Being able to adjust things like spending limits and restrict merchant spending gives you ultimate control over every penny while reducing the risk of overspending or fraud.
• Advanced approval workflows. Easily create complex approval workflows for POs, invoices, and expenses that align with company policies (and ensure compliance), reduce manual errors, and speed up invoice approvals. These workflows ensure that spending is reviewed by the right people based on pre-set thresholds, departments, or expense categories.
• Real-time ERP sync. Real-time data flow with market-leading ERPs like NetSuite, Sage Intacct, and Microsoft Dynamics means real-time visibility and control over corporate expenses, while improving financial processes from spend tracking to reconciliation and reporting.
• Pre-spend controls, policy enforcement and audit trails. Finance teams need to control costs as effectively as possible, improve accountability and data visibility. With Payhawk, you can define acceptable transaction types, restrict merchants and more with spend controls, while automatically enforcing accountability and transparency with comprehensive audit trails.
• Built-in reimbursements, per diems, and compliance. Using software like Payhawk, you can remove the menial, time-consuming tasks from your finance department. This means no more manual reimbursements - with Payhawk, you can automate the process and set custom per diems that align with company policy, ensuring compliance.
• Real-time budget tracking. Finance teams need to have the ability to make confident, well-informed business decisions, but for that, they need access to real-time budget utilisation. In Payhawk, you can view utilisation across cards, reimbursements, purchase orders, and invoices to achieve ultimate cross-organisational visibility.
• High customer satisfaction and fast support response. Our teams are fast, knowledgeable, and responsive in solving customer queries. We understand that time is of the essence when it comes to troubleshooting anything to do with your financial processes. Check out our reviews on Capterra, where we rank 4.6 out of 5 stars from our customers.

More Revolut Business alternatives

Not sold on Payhawk? No worries, there are plenty of choices out there. Here are seven to consider.

1. Pleo: Streamline your expense tracking

Known for simplicity and mobile-first experience, Pleo suits smaller teams that want basic card controls and expense submission on the go.

2. Airbase: Spending control with full visibility

Combines bill payments, reimbursements, and cards into one tool for US-based finance teams. Built for startups and growth companies looking to consolidate their financial operations.

3. Brex: Spend management perfect for SMEs

A US-native platform combining spend management, cards, and some financial services. Works well for tech-forward companies prioritising access to capital and automation.

4. Expensify: Simplify expense reporting

Built around employee reimbursements and expense tracking. Helpful for smaller teams with straightforward needs and limited approval complexity.

5. Ramp: Spend automation built for US finance teams

Built for automation-focused companies, Ramp combines cards, approvals, and vendor management, mostly for US-based teams.

6. Emburse: Compliance-focused expense control

Known for its compliance features and policy enforcement, Emburse helps mid-market teams gain control over travel and expense workflows.

7. Rydoo: Manage travel and expenses in the same place

Belgium-based Rydoo caters for those with global operations and EU-specific compliance needs. It’s widely used by European companies looking to simplify travel expense workflows and integrate with local ERP systems.

Choosing the right solution for long-term finance operations

Finding a long-term spend management solution means finding a platform that can grow and adapt with your organisation.

Ask yourself the following questions before making a final decision:

• Would you benefit from consolidating cards, reimbursements and invoices under one roof?
• Do you have (or will you have) multiple entities to manage?
• Have you been on the receiving end of account freezes or slow issue resolution from support teams?
• Do you just have access to basic feeds through your ERP integration?

If you answer yes to any of these questions, it may be worth exploring platforms specifically designed for finance, rather than just banking.

And finally, here are five things to check before choosing a Revolut Business alternative

1. Real-time, bi-directional ERP integration. You need a seamless data flow, which means you want your spend management solution to integrate with your ERP and vice versa. Why? Because that means financial data is up-to-the-minute accurate.

2. Scalable multi-entity control. Let’s say you open a new entity in France. Will the solution you choose scale with you? Can you manage this new entity from within the same dashboard as your current one? Your platform should support anything from bulk-adding employees to multi-currency support.

State of Play Hospitality (Flight Club, Bounce, et al) uses Payhawk to achieve “complete visibility over multi-entity spend”. Having historically used credit cards and bill.com for AP. Without a NetSuite integration or the ability to combine cards and AP fulfilment, the team had to switch tools regularly.

Group Financial Controller, David Watson, explains:

One of the biggest advantages of Payhawk is the integrations between our accounting software and the ability to put payments in the hands of the actual users and operators (venues)

"Taking corporate credit card transactions away from the traditional banks to a product that directly integrates with NetSuite was a game-changer!" David continues. "Now we save time and make better decisions thanks to complete visibility over our multi-entity spend."

3. Advanced approval workflows and automation. Not every organisation is built the same. You might want specific expense types signed off by one approver, and a different approver to sign off expenses above a certain limit. You need the freedom to build and customise advanced and automated approval workflows to suit your unique business needs.

4. Fast, reliable customer support — with real humans! AI is great, it takes away the menial admin tasks (like Payhawk’s AI agents), but nothing beats real, fast human support when troubleshooting. Find a Revolut alternative with a dedicated implementation manager, a multi-lingual support team and a comprehensive documentation hub to help you resolve all issues quickly.

5. Transparent, flexible pricing as your needs grow. As your business evolves, the features you need from your spend management solution also change. That’s why it’s crucial you find a provider with flexible plan pricing. For example, you might want to start on one plan, combine plans, or upgrade and make use of the entire platform.

If you’ve outgrown Revolut Business, Payhawk can help.

Consolidate cards, reimbursements, and invoices under one roof — with real-time ERP sync and multi-entity visibility. Book a personalised demo today and see how scaling finance teams save time and ensure compliance with Payhawk.