Expense Management
Mobilexpense
EU-Made Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by Mobilexpense SA · www.mobilexpense.com
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Mobilexpense at a glance
- Vendor
- Mobilexpense SA
- Headquarters
- Not stated on the vendor’s pages as of 28 Oct 2026
- Data hosting
- Not stated on the vendor’s pages as of 28 Oct 2026
- Free plan
- Not stated on the vendor’s pages as of 28 Oct 2026
- Panel verdict
- The AI panel rates Mobilexpense 3.5/5, the mean of 6 judges. Mobilexpense is expense management from Mobilexpense SA of Brussels, part of Visma, in two products: Declaree for smaller companies and MXP for enterprises. how scores are made
- As of
- Vendor pages captured 28 Oct 2026; evaluated by the panel 29 Oct 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
Mobilexpense is expense management from Mobilexpense SA of Brussels, part of Visma, in two products: Declaree for smaller companies and MXP for enterprises. It scores strongest on reimbursement and VAT and cards and spend control: per diem, meal-deduction and mileage rates are maintained automatically by an in-house compliance team across 100+ countries, approved amounts pay out through a SEPA bank payment file and a German payroll file, and virtual and physical cards carry limits by amount, frequency and merchant category from named issuer Pliant Oy of Finland. Pricing transparency is the weak outlier: the captured pages, pricing page included, show no figures, only an interactive ROI calculator promising a personalised estimate and contact sales. Receipt capture and accounting export sit at 6–7. The judges did not genuinely split: every criterion spans at most two points and the flagged split check flags none. Sovereignty scores 6–7: the privacy policy states EU/EEA storage with standard contractual clauses, while hosting infrastructure is unnamed, the captured pages give different ISO 27001 versions, and the only named subprocessor is Recruitee for recruitment.
Speaks for it
- Per diem, meal-deduction and country-specific mileage rates maintained automatically by an in-house compliance team across 100+ countries.
- Approved amounts pay out through a SEPA bank payment file, with a German payroll file reporting taxable and non-taxable allowances.
- Virtual and physical cards with limits by amount, frequency and merchant category, issued by named licensed issuer Pliant Oy under a VISA Europe licence.
- Expenses validated against local regulations and company policy at submission, with flag, warn or block controls and every compliance decision logged and timestamped.
- A DATEV interface offering manual export and import or automated exchange via DATEV Data services, with Exact named alongside.
Held against it
- No published prices on the captured pages — no tiers, per-user rates, card fees or term conditions — only an interactive ROI calculator and contact sales.
- We found no public information on a stated reimbursement turnaround time, a named VAT reclaim partner, or a VAT split per rate.
- We found no public information on duplicate or fraud checks at submission, a substitute receipt for lost originals, or GoBD-compliant replacement scanning.
- We found no public information on receipt images travelling with the booking into DATEV, learned booking proposals, a GoBD-compliant archive, or webhooks.
- The captured pages give different figures for the ISO 27001 version, and the hosting infrastructure behind the EU/EEA storage is unnamed.
Best for
- You reimburse employees travelling across many countries and want per diem, meal-deduction and mileage rates maintained automatically across 100+ countries.
- Your accounting runs on DATEV or Exact and you want per diems flowing straight into accounting via manual export or DATEV Data services.
- You want company cards with pre-set limits and merchant, category and ATM blocking, issued by a named EU-regulated e-money institution alongside your existing bank cards.
- You want a European chain from contracting entity (Mobilexpense SA, Brussels) to card issuer (Pliant Oy, Finland), with the privacy policy stating EU/EEA data storage.
Avoid if
- You need to work out a monthly or annual cost from published prices before talking to sales — the captured pricing page shows no figures.
- Your procurement requires unambiguous public certification records — the captured pages give different figures for the ISO 27001 version, 2013 on one page and 2022 on another.
- You need human-verified capture on every receipt at first pass — the Human Data Enhancement step is an optional add-on that can take up to 2 hours.
The scores
| Criterion | Panel median |
|---|---|
| Receipt capture & expense claims | 3 of 5 |
| Company cards & spend control | 4 of 5 |
| Approval workflows & expense policy | 3.5 of 5 |
| Reimbursement, travel allowances & VAT | 4 of 5 |
| Accounting handoff & DATEV | 3 of 5 |
| European sovereignty | 3.5 of 5 |
| Pricing transparency | 1 of 5 |
Receipt capture & expense claims
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How this is scored
How an expense gets into the system: a mobile app that photographs receipts, text recognition (OCR) that reads amount, date, merchant and VAT, receipts forwarded by email or pulled from suppliers, claims for out-of-pocket spending in any currency, mileage and trip entries, a substitute receipt (Eigenbeleg) when the original is lost, and duplicate detection.
0 — Not an expense capture tool; receipts and claims cannot be recorded in the product.
3 — Receipts uploaded as photos or files and attached to an expense by hand; text recognition, email capture or claims in other currencies are basic or not described.
5 — A mobile app that captures receipts with text recognition reading amount, date and merchant, receipts forwarded by email, expense claims for out-of-pocket spending submitted from the app, and foreign currencies converted.
8 — Extraction of VAT rates and amounts and line items, receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, mileage with route calculation, and replacement scanning (ersetzendes Scannen) stated as GoBD-compliant so paper originals may be discarded.
10 — Capture without employee effort: e-receipts delivered directly by travel and merchant partners, extraction accuracy or review process published, a certified scanning procedure (for example an audit report to IDW PS 880 or a TÜV certificate) named, and every receipt traceable from capture to booking.
The Travelling Employee
Photographing a receipt works the way I need it: the mobile app scans even offline, auto-triggers the photo when it detects the receipt, takes multi-page uploads, and captures mileages and daily allowances on the road; I can also forward emailed receipts to a dedicated address that extracts PDFs, mail bodies and attachments into expenses, with an optional human check confirming the scan. What keeps this below the top for a three-currency traveller like me: I found no information on foreign-currency conversion, duplicate detection or a substitute receipt for lost originals. 9 10 11 17
The Office Manager
The mobile app photographs receipts with OCR that works even offline and auto-triggers once the receipt is detected, and receipts forwarded to a dedicated email address are extracted automatically, with an optional human check re-verifying the OCR result. Mileage, per diems and multi-destination trips are entered in the same app, and mandatory fields stop incomplete claims early. We found no public information on duplicate or fraud checks at submission, a substitute receipt for lost originals, or replacement scanning stated as GoBD-compliant. 9 10 11 15 17
The Controller
The mobile app photographs receipts, an OCR reads the receipt data even when the device is offline, and receipts forwarded to a dedicated email address are extracted from PDFs, mail bodies and attachments; trips with several destinations are entered with departure point, date and time. An optional human data enhancement step re-checks the first OCR result and pulls extra information within two hours, which helps data quality. We found no public information on duplicate or fraud checks at submission, currency conversion for claims, a substitute receipt for lost originals, or a certified scanning procedure. 9 10 11 15 17
The Finance Lead
The mobile app scans receipts with an OCR that works even offline, auto-triggers the photo, takes multiple pages and can be confirmed by an optional human second pass, and receipts forwarded to a dedicated email address are extracted from PDFs and mail bodies; cash and private-card spending is handled as a distinct transaction type. I found no public information on VAT-rate extraction detail, duplicate detection, a substitute receipt for lost originals, a GoBD statement on replacement scanning, or currency conversion for foreign receipts. 9 10 11 17
The Tax Adviser
The mobile app photographs receipts with an OCR that also works offline, receipts forwarded to a dedicated email address are extracted from PDFs, mail bodies and attachments, and an optional human data enhancement step re-checks the OCR result; mileage and daily allowances are captured in the same app. We found no public information on extracting the VAT rate and amounts per line item, duplicate or fraud checks, a substitute receipt for lost originals, or a certified scanning procedure for German retention rules. 9 10 11 17
The Skeptic
The mobile app photographs receipts with OCR that "captures all receipt data even when the app is offline", receipts can be forwarded to a dedicated email address where PDFs, mail bodies and attachments are extracted, and mileage and per diem entries are captured with country auto-detection. What the OCR actually reads per field is never specified, and confidence in the first pass is sold back as a paid "Human Data Enhancement" step that can take up to 2 hours. We found no public information on duplicate detection, a substitute receipt for lost originals, or GoBD-compliant replacement scanning. 9 10 11 17
Company cards & spend control
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How this is scored
How spending is controlled before it happens: physical and virtual company cards with limits, single-use and subscription cards, limits by amount, merchant category and time, budgets per team or project, real-time notifications and receipt reminders — or, for a product that issues no cards of its own, live feeds from the company's existing cards with automatic receipt matching. The issuing institution and its licence count where cards are issued.
0 — Neither issues cards nor reads card transactions; only out-of-pocket claims exist.
3 — Card transactions imported from a statement file or a single feed and matched by hand, or a card offer with fixed limits; budgets, reminders and controls are basic or not described.
5 — Either own physical and virtual cards with per-card limits, freezing and real-time notifications, or live feeds from named corporate card schemes or banks with automatic matching of receipts to transactions; spending visible as it happens and employees reminded to submit receipts.
8 — Cards for every employee with limits by amount, merchant category and period, single-use and subscription cards, budgets per team or project that cards draw from, pre-approval of a purchase before the card is charged, feeds from existing bank cards beside the own cards, and the issuing institution and licence named.
10 — Spend control across the company: multi-entity and multi-currency card accounts, budgets and policies enforced at the moment of payment, card spend reconciled to the statement automatically, safeguarding of funds and credit terms stated, and cards and transaction history portable to another provider.
The Travelling Employee
Virtual and physical cards with limits on amount, frequency and merchant category, a one-time virtual card for a lunch, freeze and terminate in one click, blocking by merchant, category or ATM, and budgets at company, department or individual level with real-time alerts — control before I spend, which is exactly what I want. Receipts are matched automatically to card transactions, existing bank cards can be connected alongside, and the issuer is named: Pliant Oy in Finland under a VISA Europe licence, supervised by the Finnish authority. I found no information on approval before a card is charged, subscription cards or multi-currency card accounts, so it stops just short of the very top. 11 12
The Office Manager
Admins issue virtual or physical cards with limits by amount, frequency and merchant category, one-time virtual cards, instant freeze and terminate, and spending restricted by merchant, category or ATM permissions enforced on every transaction, with budgets at company, department and individual level and real-time alerts. Existing bank cards connect alongside and receipts are automatically matched to card transactions seen instantly. The issuer is named — Pliant Oy under a VISA Europe licence, regulated by the Finnish Financial Supervisory Authority — though we found no public information on pre-approval of a purchase before the card is charged. 11 12
The Controller
Admins issue virtual and physical cards with limits by amount, frequency and merchant category, block spending by merchant, category or ATM, and can freeze or terminate a card in one click. Existing bank cards can be connected alongside, transactions post in real time, receipts match automatically to card transactions, and budgets sit at company, department and individual level with real-time alerts. The issuer is named and licensed — Pliant Oy under a VISA Europe licence, authorised as an e-money institution by the Finnish supervisor — though we found no public information on subscription cards or pre-approval of a purchase before the card is charged. 11 12
The Finance Lead
Admins issue virtual and physical cards with limits by amount, frequency and merchant category, merchant, category and ATM blocking, one-click freeze and one-time virtual cards, issued by Pliant Oy under a VISA Europe licence and authorised by the Finnish supervisor, while existing bank cards can be connected alongside with automatic receipt matching and transactions posting in real time. Budgets that cards draw from, subscription cards and pre-approval before a charge are not described, and the claimed 86% saving on card reconciliation is a marketing figure rather than a described statement-reconciliation feature. 11 1
The Tax Adviser
Virtual and physical cards are issued by Pliant Oy under a VISA Europe licence and regulated as an e-money institution in Finland, with limits by amount, frequency and merchant category, merchant and ATM blocking, one-time virtual cards, budgets at company, department and individual level with real-time alerts, and existing bank cards connected beside the own cards. We found no public information on pre-approval of a purchase before the card is charged or on automatic reconciliation of card spend to the statement. 11 12 6
The Skeptic
Admins issue virtual and physical cards with limits by amount, frequency and merchant category, one-time virtual cards, instant freeze and terminate, merchant, category and ATM blocking "enforced automatically on every transaction", budgets at company, department and individual level with real-time alerts, plus feeds from existing bank cards with automatic receipt matching. The issuer is named — Pliant Oy, licensed by VISA Europe and regulated by the Finnish Financial Supervisory Authority. We found no public information on pre-approval before a card is charged, subscription cards, credit terms or safeguarding of funds. 11 12
Approval workflows & expense policy
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How this is scored
How the company's rules are applied: approval chains by amount, team, cost centre or project, delegation and deputies, an expense policy with limits per category and per country that the product checks, pre-approval of trips and purchases, roles and permissions, multi-entity set-ups, and an audit trail of who approved and changed what.
0 — No approval step; every expense goes straight to export or payment.
3 — A single approver per employee or one sign-off step; policy rules, deputies and audit history are basic or not described.
5 — Multi-step approval flows configurable by amount, team or cost centre, an expense policy with limits per category that flags violations, approval from the mobile app, and a history of who approved what.
8 — Rule-based routing by amount, project, cost centre and entity with deputies and escalation, policy checks before submission (limits per country, per diem rules, duplicates), pre-approval of trips or purchases, granular roles and permissions, several legal entities in one account, and an exportable audit trail.
10 — Controls that stand up to an audit: anomaly and fraud detection with its rules explained, separation of duties enforced, country-specific policies maintained centrally, every change to a claim versioned and attributed, and control reports offered to auditors.
The Travelling Employee
Every expense is validated against local regulations and company policy the moment it is submitted, before finance sees it, with flag, warn or block options, per diem limits enforced at the point of entry, and country-specific policies configurable per market. Routing sends reports to the right approvers, travel requests are approved with a visible history, and every compliance decision is logged and timestamped for audit. I found no information on deputies and escalation, granular roles and permissions, or several legal entities in one account. 3 13 14 16
The Office Manager
Every expense is validated against local regulations and company policies the moment it is submitted, with controls that flag, warn or block out-of-policy spend and exceptions surfaced automatically, and country-specific policies are configurable across 100+ countries maintained by an in-house team. Travel requests are created, approved before booking through the online booking tool, and carry a history once approved. We found no public information on deputies and escalation, granular roles and permissions, or several legal entities in one account. 13 14 16
The Controller
Expenses are validated against local regulations and company policy at the moment of submission, before they reach finance, per diem limits are enforced at the point of entry, and out-of-policy spend can be flagged, warned or blocked. Travel requests pass through approval before booking, expense reports are routed to approvers based on the company's policies and structure, and cost centre and project codes can be made mandatory before submission. Every compliance decision is logged, timestamped and ready for audit; we found no public information on deputies and escalation, routing by amount or entity, or an exportable audit trail of approvals. 3 13 14 16
The Finance Lead
Every expense is validated against local regulations and company policy the moment it is submitted, with controls that flag, warn or block before finance sees it, travel requests approved before the trip, exceptions surfaced automatically, and every compliance decision logged and timestamped for audit. I found no public information on routing by amount, deputies and escalation, several legal entities in one account, or approval from the mobile app. 13 14 3 16
The Tax Adviser
Every expense is validated against local regulations and company policy the moment it is submitted, out-of-policy spend can be flagged, warned or blocked before it reaches finance, cost centres and project codes can be required, travel needs an approved travel request before the booking tool opens, and every compliance decision is logged and timestamped for audit. We found no public information on deputies and escalation, granular role permissions, or several legal entities in one account. 13 14 3 16
The Skeptic
Every expense is validated against local regulations and company policies at submission with flag, warn or block controls, country-specific policies and per diem limits are enforced at point of entry, travel requests are approved before booking, and "every compliance decision [is] logged, timestamped, and ready for audit". How approval routing is configured — by amount, cost centre, project — is described only as "based on your policies and structure". We found no public information on deputies, escalation, granular roles and permissions, or several legal entities in one account. 13 14 3 16
Reimbursement, travel allowances & VAT
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How this is scored
How the employee gets money back and the company gets the tax right: reimbursement of approved claims by bank transfer or a SEPA payment file, mileage allowances and per diems at statutory rates per country (Verpflegungspauschalen, Kilometerpauschale, meal deductions), taxable and tax-free reimbursements separated for payroll, the input VAT captured per receipt for the deduction, and foreign VAT reclaimed.
0 — No reimbursement of employees; the product covers company cards only and out-of-pocket spending is out of its scope.
3 — Out-of-pocket claims recorded and paid back outside the product by hand; travel allowances and VAT handling are basic or not described.
5 — Approved claims reimbursed through the product or a SEPA payment file, mileage and per diems at configurable rates, and the VAT rate and amount captured per receipt for the input-tax deduction.
8 — Statutory per diems and mileage rates per country maintained by the vendor (German travel expense law named), meal deductions and multi-day trips calculated, reimbursement in several currencies within a stated time, VAT split per rate and receipts checked for the invoice requirements of the deduction, and foreign VAT reclaim offered or integrated with a named partner.
10 — Travel expense law and VAT handled end to end: country rules kept current with a stated process, taxable reimbursements passed to payroll, foreign VAT reclaim filed with the recovered amounts reported, and every reimbursement traceable to the claim and the rule that produced it.
The Travelling Employee
This is the part a road warrior dreams of: per diems calculated country by country from rates an in-house compliance team keeps current across more than 100 countries, meal deductions auto-adjusted (breakfast included in the hotel price), multi-destination trips with departure point, date and time, and country-specific mileage rates applied automatically per submission. Approved amounts go out as a SEPA bank payment file using the employee's stored IBAN and BIC, and taxable versus non-taxable allowances are reported to payroll, with a German payroll file as the named example; VAT validation and reclaim support is stated across all applicable countries. I found no information on a named reclaim partner or a stated payout timeline. 15 18 14
The Office Manager
Per diems and mileage are calculated per country from rates maintained by the vendor's in-house compliance team, with automatic meal deductions, instant eligibility enforcement, multi-destination and multi-day trips, and custom layered rules per role or country. Approved claims are paid via a SEPA bank payment file using the employee's stored IBAN and BIC, a German payroll file reports taxable and non-taxable allowance amounts on the tax card, and automatic VAT validation and reclaim support is stated across all applicable countries. We found no public information on a stated reimbursement turnaround time or a named VAT reclaim partner. 14 15 18
The Controller
Approved amounts pay out through a SEPA bank payment file using the employee IBAN and BIC held in the system, and a payroll file reports taxable and non-taxable allowance amounts, with a German standard payroll file as the given example. Per diems and country-specific mileage rates are maintained by the vendor's in-house compliance team across 100+ countries, meal deductions adjust automatically, multi-destination trips calculate with departure date and time, and automatic VAT validation and reclaim support covers all applicable countries. We found no public information on reimbursement in several currencies, a stated payout time, VAT split per rate, or a named partner for foreign VAT reclaim. 3 14 15 18
The Finance Lead
This is the strongest area: a SEPA bank payment file pays employees directly from stored IBAN and BIC, a standard German payroll file reports taxable and non-taxable allowances to the tax card, and per diems and country-specific mileage rates are maintained automatically by an in-house compliance team across 100+ countries, with meal deductions, multi-destination trips and instant eligibility enforcement. Foreign VAT appears only as validation and reclaim support with no named partner, and neither reimbursement currencies nor a payment turnaround time are stated. 18 15 14 3
The Tax Adviser
Per diems and meal deductions are calculated country by country from rates an in-house compliance team maintains across 100+ countries, country-specific mileage rates apply per submission, a SEPA payment file pays employees from stored IBAN and BIC, a German payroll file reports allowances as taxable and non-taxable on the tax card, and VAT validation and reclaim support covers all applicable countries with each calculation stored with its full logic. We found no public information on splitting input VAT by rate, checking receipts against invoice requirements, or reclaim filings with the recovered amounts reported. 15 18 14 3 8
The Skeptic
Per diems are calculated automatically from vendor-maintained rates across 100+ countries with auto-adjusted meal deductions and multi-destination trips, mileage rates apply per country, a SEPA bank payment file pays employees to their stored IBAN, and a German payroll file reports taxable and non-taxable allowances. "Automatic VAT validation and reclaim support" is offered, but no reclaim partner is named and no reimbursement timeframe is stated. We found no public information on VAT split per rate or checks against invoice requirements. 15 18 14 8
Accounting handoff & DATEV
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How this is scored
What reaches the books: export or sync to DATEV (DATEV format, DATEV Unternehmen online, Belegbilderservice) and to named accounting and ERP systems, booking proposals with account, tax key and cost centre, receipts that travel with the booking, card statements reconciled, a GoBD-compliant archive, an API and webhooks, and a complete export of claims, receipts and booking data.
0 — No export of any kind; expenses have to be retyped into the books.
3 — A CSV or PDF export of expense reports; booking data, named integrations and the archive are basic or not described.
5 — Export or sync to at least one named accounting system (DATEV or another) with account and tax code per entry and the receipt attached, several accounting or ERP integrations listed, and a documented API.
8 — A DATEV interface with receipt images (DATEV Unternehmen online or the DATEV Marketplace named), booking proposals that learn account, tax key and cost centre, two-way sync with named ERPs (SAP, Microsoft Dynamics, NetSuite or similar), card statements reconciled for the month-end, a GoBD-compliant archive stated, and webhooks.
10 — The month-end close runs through the product: multi-entity bookings and accruals, a procedure documentation (Verfahrensdokumentation) or GoBD audit offered, a complete audit trail of every financial event, and a full export of claims, receipts and bookings that a successor system can import.
The Travelling Employee
DATEV is a real interface, not a promise: manual export and import or automation via DATEV Data services, SFTP for the enterprise product and API for the smaller one, and per diems flow straight into DATEV or Exact. The accounting file structure is worked out in real detail — separate files for privately funded spend, company card reconciliation, cash advances, bank payments and payroll — in txt, csv, xml or xlsx, with cost centres and project codes required before submission. I found no description of receipt images travelling to DATEV, learned booking proposals, a GoBD-compliant archive or webhooks, so it is strong but not the full month-end story. 17 18 15 4
The Office Manager
A named DATEV integration offers manual export and import or automation via DATEV Data services, by SFTP for MXP and API for Declaree, and Exact receives per diem calculations straight from the product. Accounting files F01 to F06 categorise transaction types — private versus company funded, card reconciliation, SEPA bank payment, German payroll — in txt, csv, xml or xlsx, with card transactions posted at upload. We found no public information on receipt images travelling with the booking, booking proposals that learn account, tax key and cost centre, a GoBD-compliant archive, or webhooks. 15 17 18
The Controller
There is a DATEV interface — manual export and import or automated via DATEV Data services, by SFTP for MXP and API for Declaree — beside Exact and custom integrations on request, and accounting files F01 to F06 split bookings by transaction type in txt, csv, xml or xlsx. The card reconciliation file covers company-funded transactions posted at upload, and per diems flow straight into accounting. We found no public information on receipt images travelling to DATEV, booking proposals that learn account, tax key and cost centre, two-way ERP sync, a GoBD-compliant archive, or webhooks. 4 15 17 18
The Finance Lead
The DATEV integration is real, offering manual export and import or automated exchange via DATEV Data services with SFTP for MXP and API for Declaree, and accounting files F01 to F06 split private, card-funded, SEPA payment and payroll postings into txt, csv, xml or xlsx, with cost centres and project codes required before submission. I found no public information on receipt images travelling with the booking into DATEV, booking proposals that learn account, tax key and cost centre, two-way ERP sync, a GoBD-compliant archive, or webhooks. 17 18 15 2
The Tax Adviser
The DATEV connection is concrete: manual export and import or automated exchange via DATEV Data services, SFTP for the enterprise product and API for the smaller one, with Exact named alongside; the file semantics are documented down to F01 to F06 transaction types and txt, csv, xml and xlsx formats, including a reconciliation file for company-card transactions and a SEPA payment file. We found no public information on booking proposals that learn account, tax key and cost centre, receipt images travelling with the booking to DATEV, a GoBD-compliant archive, or webhooks. 17 18 15 2
The Skeptic
DATEV export runs manually or automated via DATEV Data services (SFTP for MXP, API for Declaree), Exact is named alongside it, and accounting files F01–F06 in txt, csv, xml and xlsx cover company-card reconciliation, SEPA payments and payroll reporting. We found no public information on receipt images travelling with the booking, booking proposals that learn account, tax key and cost centre, two-way ERP sync, a GoBD-compliant archive, or webhooks. 17 18 15
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where receipt, card and employee data are hosted, and who the subprocessors are (hosting, card issuer and processor, text recognition, open banking, email delivery). Independently sourced by the sovereignty pipeline; expense data is personal and financial at once and shows where employees travel, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (text recognition, card processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity and card issuer, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, issuer, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Travelling Employee
The contracting entity is Mobilexpense SA in Brussels with branches in the Netherlands, Portugal and Romania, the group is part of Norway's Visma, and the privacy policy states data is stored in the EU/EEA with standard contractual clauses applied to any transfer, alongside a stated ISO 27001 certification (the captured pages give different versions of it, 2013 on one and 2022 on another). Cards are issued by Pliant Oy in Finland under a VISA Europe licence and supervised by the Finnish authority — an EU issuer closing the loop on an EU chain. Hosting infrastructure is not named and the only subprocessor shown is a recruitment tool, which is what holds this below the top. 6 7 11 2
The Office Manager
The contracting entity is Mobilexpense SA in Brussels with a Belgian VAT number and branches in the Netherlands, Portugal and Romania; cards are issued by Pliant Oy, an e-money institution regulated by the Finnish Financial Supervisory Authority, and the privacy policy states data is stored in the EU/EEA with standard contractual clauses for any transfer, under an ISO 27001:2022 certification. Beyond the recruitment tool Recruitee, we found no public information naming further subprocessors or their locations, nor the specific hosting infrastructure behind the EU/EEA storage. 6 7 11
The Controller
The contracting entity is Mobilexpense SA of Brussels with a Belgian registration and VAT number, and the card issuer is Pliant Oy of Finland authorised as an e-money institution — both inside the EU. The privacy policy states data is stored in the EU/EEA with EU standard contractual clauses for any transfer onward, the company states ISO 27001:2022 certification, and service providers work under written data processing agreements. We found no public information naming the hosting infrastructure or listing subprocessors with their locations; the parent is named as Visma without a jurisdiction stated on the captured pages. 6 7 11
The Finance Lead
Mobilexpense SA is registered in Brussels with branches in Amsterdam, Rotterdam, Portugal and Romania, data is stored in the EU/EEA with standard contractual clauses for any onward transfer, and cards are issued by the Finnish e-money institution Pliant Oy — a European chain from contract to issuer. The subprocessor list names only a recruitment tool rather than the operational chain with locations, hosting infrastructure is unnamed, the parent is named as Visma without a stated domicile, and the captured pages give different figures for the ISO 27001 version. 6 7 11 3
The Tax Adviser
The contracting entity is Mobilexpense SA in Brussels with branches in the Netherlands, Portugal and Romania, part of Visma; the privacy policy states that data is stored in the EU/EEA with standard contractual clauses for any onward transfer, cards are issued by Pliant Oy in Finland under a VISA Europe licence, and the organisation is ISO 27001 certified. The hosting infrastructure itself is not named and the subprocessor picture is one named recruitment tool plus unnamed categories such as hosting, analytics and CRM, so the full chain is not evidenced. 6 7 11 2
The Skeptic
The contracting entity is Mobilexpense SA of Brussels with a Belgian register and VAT number, data is stated to be stored in the EU/EEA with standard contractual clauses for any transfer, the card issuer Pliant Oy is named with its VISA licence and Finnish regulator, and ISO 27001 is claimed — though the captured pages give different figures, 2013 on one page and 2022 on another. Hosting stops at the region with no named infrastructure, and the only named subprocessor is Recruitee for recruitment; where receipts are read — including by humans in the paid Human Data Enhancement step — is not stated. 6 7 11 2
Pricing transparency
n/r
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: price per user or per active user, platform or base fee, which modules (travel, reimbursements, DATEV or ERP connectors, extra entities) cost extra, card fees (physical cards, foreign transactions, currency conversion, top-ups), minimum seats and term, and setup.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with users, cards or modules is unclear.
5 — Tiers are public with their per-user or base price and main inclusions, but at least one commonly needed piece (extra users, physical cards, foreign-currency fees, ERP connectors) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (per user, per active user, per card), card and foreign-transaction fees listed, add-ons priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given headcount, card count and module set, with every add-on, setup, support, card and currency fee and the cancellation and data-return terms published.
The Travelling Employee not rated — no public information
We found no public information on pricing: the captured pages show an interactive ROI calculator promising a personalised estimate and an offer to contact sales for a tailored demo, but no per-user price, tier, card fee, minimum term or VAT treatment is stated anywhere I read. I therefore cannot judge whether an annual cost is computable from public pages alone. 5 1 13
The Office Manager
We found no public prices of any kind — no per-user fee, tier list, base fee or card fee — on the pages read, the pricing page included. The published motion is a tailored demo, contact sales for a consultation, and an interactive ROI calculator that returns a personalised estimate, so I cannot work out a monthly cost for my thirty people before a trial. 1 3 5
The Controller
We found no prices on the captured pages — no per-user fee, no tiers, no card or currency fees, and the pricing page itself gave no figures. What is public is an interactive ROI calculator that returns a personalised estimate, and product demos arranged through the sales team. 1 3 5
The Finance Lead
I found no public information on prices: the captured pricing page carries no figures, and what is public is an interactive ROI calculator promising a personalised estimate plus a contact-sales route with a tailored demo. Per-user or per-card pricing, module add-ons, card and foreign-currency fees, minimum seats, term, setup and VAT treatment are not described, so no annual cost can be computed from public pages. 5 1 3
The Tax Adviser
What the public pages offer on cost is an interactive ROI calculator giving a personalised estimate and a tailored demo with a sales consultation; we found no public information on a per-user or base price, tiers, card fees, minimum seats or term, including on the pricing page itself. A buyer cannot compute the annual cost from what we read. 5 1 13 3
The Skeptic
We found no published prices on the captured pages — no tier prices, per-user rates, card fees, currency fees or term conditions — only an interactive ROI calculator promising a "personalised estimate", a tailored demo and "contact sales". A buyer cannot compute an annual cost from anything captured here; every figure comes out of a conversation with the vendor. 1 13 3 5
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined ⚠ unverified | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined ⚠ unverified | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about Mobilexpense
Is Mobilexpense European?
Yes. whats-best.ai classifies Mobilexpense as EU-Made.
Where does Mobilexpense store data?
Not stated on the vendor’s pages as of 28 Oct 2026.
Does Mobilexpense have a free plan?
Not stated on the vendor’s pages as of 28 Oct 2026.
What are the best alternatives to Mobilexpense?
As of 3 Nov 2026, the panel rates Moss (4/5), N2F (3.5/5) and Spendesk (3.5/5) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Moss (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Mobilexpense alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 28 Oct 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Legal entity, Hosting location. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- 51 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 32 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 7 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 5 pricing facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 3 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown. Know more? Tell us
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. Know more? Tell us
Sources (18)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor homepage www.mobilexpense.com Checked 28 Oct 2026 Details →
- 2 Features page (expense management) www.mobilexpense.com Checked 28 Oct 2026 Details →
- 3 Features page (compliance) www.mobilexpense.com Checked 28 Oct 2026 Details →
- 4 Integrations page www.mobilexpense.com Checked 28 Oct 2026 Details →
- 5 Pricing page www.mobilexpense.com Checked 28 Oct 2026 Details →
- 6 Legal notice www.mobilexpense.com Checked 28 Oct 2026 Details →
- 7 Privacy policy www.mobilexpense.com Checked 28 Oct 2026 Details →
- 8 Security / trust page www.mobilexpense.com Checked 28 Oct 2026 Details →
- 9 Receipt capture & expense claims — found from sitemap mxp-kb.mobilexpense.com Checked 28 Oct 2026 Details →
- 10 Receipt capture & expense claims — found from sitemap mxp-kb.mobilexpense.com Checked 28 Oct 2026 Details →
- 11 Company cards & spend control — found from sitemap www.mobilexpense.com Checked 28 Oct 2026 Details →
- 12 Company cards & spend control — found from sitemap www.mobilexpense.com Checked 28 Oct 2026 Details →
- 13 Approval workflows & expense policy — found from sitemap www.mobilexpense.com Checked 28 Oct 2026 Details →
- 14 Approval workflows & expense policy — found from sitemap www.mobilexpense.com Checked 28 Oct 2026 Details →
- 15 Reimbursement, travel allowances & VAT — found from sitemap www.mobilexpense.com Checked 28 Oct 2026 Details →
- 16 Reimbursement, travel allowances & VAT — found from sitemap mxp-kb.mobilexpense.com Checked 28 Oct 2026 Details →
- 17 Accounting handoff & DATEV — found from sitemap www.mobilexpense.com Checked 28 Oct 2026 Details →
- 18 Accounting handoff & DATEV — found from sitemap mxp-kb.mobilexpense.com Checked 28 Oct 2026 Details →