# Mobilexpense — Expense Management

Mobilexpense by Mobilexpense SA holds a panel rating of 3.5/5 from 6 AI judges (category median 3/5), as of 2026-10-29. Provenance: EU-Made; sovereignty: not determined.

- Vendor: Mobilexpense SA (https://www.mobilexpense.com)
- Category: [Expense Management](https://whats-best.ai/software/expense-management.md)
- Provenance (editorial classification): EU-Made
- Canonical page: https://whats-best.ai/software/expense-management/mobilexpense
- Alternatives: https://whats-best.ai/software/expense-management/mobilexpense/alternatives ([markdown](https://whats-best.ai/software/expense-management/mobilexpense/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-10-29 · oldest source captured 2026-10-28

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## 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

## 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.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The Travelling Employee | The Office Manager | The Controller | The Finance Lead | The Tax Adviser | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Receipt capture & expense claims | 3/5 | 3.5/5 | 3/5 | 3/5 | 3/5 | 3/5 |
| Company cards & spend control | 4/5 | 4/5 | 4/5 | 3.5/5 | 3.5/5 | 3.5/5 |
| Approval workflows & expense policy | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3/5 | 3.5/5 |
| Reimbursement, travel allowances & VAT | 4/5 | 4/5 | 3.5/5 | 4/5 | 4/5 | 3.5/5 |
| Accounting handoff & DATEV | 3.5/5 | 3.5/5 | 3/5 | 3/5 | 3/5 | 3/5 |
| European sovereignty | 3.5/5 | 3/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3/5 |
| Pricing transparency | n/r | 1/5 | 0.5/5 | 1/5 | 0.5/5 | 1/5 |
| **Weighted verdict** | **3.5/5** | **3.5/5** | **3.5/5** | **3/5** | **3/5** | **3/5** |

### The judges

- **The Travelling Employee** (v1.0): A sales engineer on the road three days a week, with hotel bills in three currencies and a glovebox full of parking tickets. Wants to photograph a receipt and be done, mileage and per diems worked out without a spreadsheet, a company card so private money is never spent, and the money back on the account within days rather than at the end of the quarter.
- **The Office Manager** (v1.0): Runs the office of a thirty-person agency and is the one who chases missing receipts every month. Wants a card for each project lead with a limit she sets, software subscriptions on their own virtual cards, receipts that arrive without reminders, an export the tax adviser accepts, and a monthly price she can work out before the trial ends.
- **The Controller** (v1.0): Owns the travel and expense policy of a manufacturer with four legal entities and twelve hundred staff. Wants approval chains by cost centre and amount, limits checked before a claim is submitted rather than after it is paid, duplicates and private spending caught, budgets that cards draw from, and an audit trail that shows who approved and changed what.
- **The Finance Lead** (v1.0): Closes the month for a hundred-and-fifty-person Mittelstand company and books card spend from three banks. Wants card statements that reconcile by themselves, booking proposals with account, tax key and cost centre, receipts that reach DATEV with the booking, reimbursements paid in one SEPA run, and nothing that has to be retyped.
- **The Tax Adviser** (v1.0): A Steuerberaterin whose clients send their expenses from five different tools. Wants per diems and mileage at the statutory rates, the input VAT read from a receipt that actually qualifies for the deduction, substitute receipts only where the law allows them, scanned originals archived GoBD-compliant, and bookings that arrive in DATEV with the receipt image attached.
- **The Skeptic** (v1.0): Has seen "no more expense reports" turn into a card programme with a currency fee on every hotel abroad and a per-user price that counts everyone who ever logged in. Reads "DATEV integration" that means a CSV, "AI receipt scanning" with no word on where the receipts are read, card terms that leave the issuer unnamed, and subprocessor lists that stop at the hosting provider — and asks what leaving would cost.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Not determined | — | — |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Compliance centre: yes [S1]
- Cvd policy: yes [S1]
- EU coverage: compliance in all EU countries [S17]
- EU VAT tax: yes [S2]
- GDPR: yes [S1]
- GDPR: GDPR and data security page [S6]
- GDPR page: yes [S8]
- GDPR page: yes [S14]
- GDPR resources: GDPR and data security resource page exists [S3]
- ISO 27001: yes · yes [S2]
- ISO 27001: yes · ISO 27001:2022 [S7]
- Issuer: Pliant Oy · VISA Europe Limited · 3266913-9 [S11]
- No extra integrations needed: No additional integrations or ongoing IT maintenance required [S3]
- Regulator: Authorized E-money payment institution · Financial Supervisory Authority of Finland [S11]
- Sccs: yes [S7]
- Security measures: encryption · access control · regular training · audits [S7]
- Visa 3d secure: yes [S11]
- Vuln disclosure: yes [S8]
- Vulnerability disclosure: yes [S14]

**Data**
- Candidate retention: 180 [S7]
- Retention: retention only as long as necessary or as required by law [S7]
- Sharing: no · yes [S7]

**Hosting**
- Data residency: EU/EEA · yes [S7]
- Parent company: Mobilexpense is part of Visma [S3]

**Integrations**
- Accounting sync: Exact · Datev · yes [S15]
- Custom request: Can't find an integration? Request it! [S4]
- Datev category: ERP & Accounting [S17]
- Datev data type: Accounting file [S17]
- Datev exchange modes: manual export and import, or automated via DATEV Data services [S17]
- Datev methods: SFTP · API [S17]
- Datev workflow: Export [S17]
- Erp HR cards: ERP · HR · card systems [S15]
- Erp sync: yes [S2]
- Finance stack: expenses · approvals · exports [S11]
- Minimal it: yes [S2]
- Surface: Integrations [S6]
- Travel management companies: Integrates with travel management companies (FAQ topic) [S14]

**Legal**
- Branch amsterdam: 66424119 · Amsterdam · Mobilexpense SA [S6]
- Branch portugal: Mobilexpense SRL · Portugal [S6]
- Branch romania: Mobilexpense SRL · Romania [S6]
- Branch rotterdam: 70543887 · Rotterdam · Declaree BV [S6]
- Cards terms available: yes [S12]
- Company part of: Visma [S7]
- Compliance pages: GDPR and data security · Transparency · Privacy · Whistleblowing · Coordinated Vulnerability Disclosure Policy [S15]
- Content responsible: Mobilexpense SA [S6]
- Coordinated vulnerability disclosure: Coordinated Vulnerability Disclosure Policy available [S3]
- Headquarters: Koning Albert II Laan 19, 1210 Brüssel, Belgien [S6]
- Issuer privacy: yes [S12]
- Parent company: Mobilexpense is part of Visma [S8]
- Part of visma: Visma [S1]
- Part of visma: yes · 2026 [S12]
- Platform privacy mobile: yes [S12]
- Platform privacy web: yes [S12]
- Policy revision: annually [S7]
- Policy updated: 2025-06-13 [S7]
- Register entry: 0472.505.509 [S6]
- VAT: BE 0472.505.509 [S6]
- Visma: Visma [S11]
- Visma ownership: Mobilexpense is now part of Visma. [S4]
- Visma ownership: Visma [S14]
- Visma ownership: Mobilexpense is now part of Visma [S17]
- Visma ownership: Mobilexpense is part of Visma [S15]
- Vulnerability disclosure: Coordinated Vulnerability Disclosure Policy [S6]
- Whistleblowing: Whistleblowing policy [S6]

**Pricing**
- Roi calculator: yes [S1]

**Product**
- AI: yes [S1]
- Apple google pay: yes · yes [S11]
- Approval workflows: Approval workflows route expense reports to right approvers [S13]
- Archiving info: yes [S8]
- Audit logging: compliance decisions logged, timestamped, audit-ready [S3]
- Audit logging: yes [S14]
- Audit ready calculations: yes · yes [S15]
- Auto matching: yes [S11]
- Auto policy validation: Validation at submission, before finance [S3]
- Auto regulatory updates: Regulatory updates applied automatically [S3]
- Auto regulatory updates: yes [S14]
- Auto validation at submission: yes [S14]
- Automated data exchange: yes [S17]
- Automatic country rates: Daily allowances calculated per country based on up-to-date local and international regulations [S15]
- Automation benefits: yes · yes · yes · yes · yes [S15]
- Business credit cards: Business credit cards [S6]
- Card controls: yes · yes · yes [S11]
- Card issuance: amount · frequency · merchant category · yes · yes [S11]
- Company count claim: Trusted by 3,000+ companies [S4]
- Complete data collection: Collect complete expense data to reduce follow-ups [S13]
- Compliance country coverage: 100+ [S3]
- Compliance coverage: 100+ [S14]
- Compliance hub: Compliance Centre hub for local compliance requirements across Europe [S8]
- Configurable country policies: Country-specific policy configuration [S3]
- Country autodetection: yes · yes [S9]
- Country guides: Country guides for Croatia, Czech Republic, Ireland, Spain, Slovenia, Slovak Republic, Poland, Portugal, Italy, Austria with load more [S8]
- Custom rules: Custom per diem rules per role or country, layered rules [S15]
- Customer base: 3000 [S1]
- Customer base: 3000+ [S3]
- Customer base: yes [S11]
- Customer count: 3000+ [S2]
- Customer count: 3,000+ companies [S6]
- Customer count: 3000+ [S12]
- Customer count: 3000 [S13]
- Customer count: 3000 [S14]
- Customer count: 3,000+ [S17]
- Daily allowances info: yes [S8]
- Default accounting files: F01 · F02 · F03 · F04 · yes [S18]
- Demo offer: yes [S2]
- Demo walkthrough: Tailored product demo with integration guidance [S1]
- Destination based rules: yes [S13]
- Exception surfacing: Exceptions automatically surfaced in approval queue [S3]
- Exception surfacing: yes [S14]
- Existing bank cards: yes [S11]
- Expense capture: Mobile app to capture receipts, mileages & daily allowances [S17]
- Expense mandatory fields required: yes [S10]
- File f01: F01 · Privately Funded Transactions for Private Use · PRIV-COMP [S18]
- File f02: F02 · Reconciliation of Company Funded Transactions · COMP-COMP [S18]
- File f03: F03 · Company Funded Credit Card Transactions for Private Use · Cash Advance Operations · COMP-PRIV [S18]
- File f04: F04 · Company Funded Transactions for Business Use · COMP-COMP [S18]
- File f05: F05 · Bank payment file · SEPA file (European Union) · paying employees directly to their bank accounts [S18]
- File f05 details: IBAN and BIC of the employee stored in Mobilexpense · to be reimbursed to the employee · to be reimbursed from the employee to the company [S18]
- File f06: F06 · Payroll files · Standard Payroll File for Germany · Reports on allowance amounts (taxable, non-taxable) on the tax card [S18]
- File formats: txt · csv · xml · xlsx · all accounting file types [S18]
- Flexible controls: Flexible controls: adapt policies and approval workflows [S13]
- Full visibility: Full visibility of expense activity, approvals, policy exceptions [S13]
- Gartner rating: 4.3 · Gartner Peer Insights [S14]
- Hde non blocking: no [S9]
- Human data enhancement: confirm OCR result and extract extra information · yes · yes · no · 2 [S9]
- Industry regulations: Sector-specific compliance rules for healthcare, energy, and other regulated industries [S3]
- Industry regulations: Sector-specific compliance rules for healthcare, energy, and other regulated industries [S14]
- Inhouse compliance team: Compliance handled by in-house compliance team [S15]
- Integrations positioning: Out of the box integrations plus custom integrations; platforms are open to integrations [S4]
- Local policy support: Local policy support: approved rates, allowances, reimbursement rules applied automatically [S13]
- Meal deduction policies: Policies for specific deductions, e.g. breakfast included in hotel price [S15]
- Merchant blocking: merchant · category · ATM [S11]
- Mileage allowances info: yes [S8]
- Mileage rates: yes [S14]
- Mileage rates local: Country-specific mileage rates applied automatically per submission [S3]
- Mobile app: yes [S1]
- Mobile app: yes [S11]
- Mobile expense app: Mobile expense app [S6]
- Multi destination trips: Support for multi-destination and multi-trip entries with departure point, date, time [S15]
- No extra integrations for compliance: yes [S14]
- Obt itinerary sync: Bookings made via the OBT automatically update the travel request with itinerary details across journey, accommodation and car rental sections [S16]
- Ocr: Offline OCR receipt capture (per customer quote) [S1]
- Ocr: yes · yes [S11]
- Ocr pending display: OCR pending transactions shown on My expenses page [S9]
- Ocr scan options: User can trigger OCR scan or add expense details manually [S9]
- Online booking tool: Users can access an Online Booking Tool (OBT) after completing the travel request form, if their company provides one [S16]
- Ownership: part of Visma [S6]
- Payment methods: User selects a payment method; multiple credit cards can be associated with a profile [S9]
- Per diem limits: yes [S14]
- Per diem local limits: Local per diem limits enforced at point of entry [S3]
- Per diems: Per diem / daily allowance module with automatic calculation and European compliance [S15]
- Policy checks automation: Built-in controls automate approvals, policy checks, and expense workflows [S13]
- Policy configuration: yes [S14]
- Policy workflows: Business rules & workflows to manage your expense processes [S17]
- Proactive policy enforcement: Proactive spend control before it happens [S13]
- Pulse insights: yes [S1]
- Rates applied automatically: Correct per diem applied automatically based on location and dates [S15]
- Real time alerts: Real-time alerts flag out-of-policy expenses [S13]
- Real time controls: Real-time controls: flag, warn, or block out-of-policy expenses [S13]
- Realtime transactions: Mobilexpense Declaree · yes [S11]

**Subprocessors**
- Recruitee: Recruitee · data processor · recruitment/job applications [S7]

**Support**
- Customer rating gartner: 4.3 · Gartner Peer Insights [S3]
- Demo walkthrough: Tailored product demo walkthrough [S15]
- Implementation support: yes [S1]
- Sales contact: Contact sales for demo and consultation [S3]

20 more facts on the canonical page: https://whats-best.ai/software/expense-management/mobilexpense

## Questions

### 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)](https://whats-best.ai/software/expense-management/moss), [N2F (3.5/5)](https://whats-best.ai/software/expense-management/n2f) and [Spendesk (3.5/5)](https://whats-best.ai/software/expense-management/spendesk) 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](https://whats-best.ai/software/expense-management/moss) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Mobilexpense alternatives](https://whats-best.ai/software/expense-management/mobilexpense/alternatives).

## What this page leaves out

- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown.
- 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.

## Sources

- [S1] Vendor homepage: https://www.mobilexpense.com/ (checked 2026-10-28)
- [S2] Features page (expense management): https://www.mobilexpense.com/expense-management (checked 2026-10-28)
- [S3] Features page (compliance): https://www.mobilexpense.com/enterprise/features/compliance (checked 2026-10-28)
- [S4] Integrations page: https://www.mobilexpense.com/enterprise/integrations (checked 2026-10-28)
- [S5] Pricing page: https://www.mobilexpense.com/pricing (checked 2026-10-28)
- [S6] Legal notice: https://www.mobilexpense.com/legal/imprint (checked 2026-10-28)
- [S7] Privacy policy: https://www.mobilexpense.com/legal/privacy-policy (checked 2026-10-28)
- [S8] Security / trust page: https://www.mobilexpense.com/en/compliance-centre (checked 2026-10-28)
- [S9] Receipt capture & expense claims — found from sitemap: https://mxp-kb.mobilexpense.com/mobile-user-guide/working-version/how-to-create-an-expense-with-ocr-in-spendcatcher (checked 2026-10-28)
- [S10] Receipt capture & expense claims — found from sitemap: https://mxp-kb.mobilexpense.com/mobile-user-guide/working-version/how-to-manage-receipts-sent-by-email (checked 2026-10-28)
- [S11] Company cards & spend control — found from sitemap: https://www.mobilexpense.com/business-credit-cards (checked 2026-10-28)
- [S12] Company cards & spend control — found from sitemap: https://www.mobilexpense.com/mobilexpense-cards-terms-conditions-data-privacy-policy (checked 2026-10-28)
- [S13] Approval workflows & expense policy — found from sitemap: https://www.mobilexpense.com/policy-enforcement (checked 2026-10-28)
- [S14] Approval workflows & expense policy — found from sitemap: https://www.mobilexpense.com/expense-report-compliance (checked 2026-10-28)
- [S15] Reimbursement, travel allowances & VAT — found from sitemap: https://www.mobilexpense.com/per-diems (checked 2026-10-28)
- [S16] Reimbursement, travel allowances & VAT — found from sitemap: https://mxp-kb.mobilexpense.com/web-user-guide/working-version/how-to-create-a-travel-request (checked 2026-10-28)
- [S17] Accounting handoff & DATEV — found from sitemap: https://www.mobilexpense.com/marketplace/datev (checked 2026-10-28)
- [S18] Accounting handoff & DATEV — found from sitemap: https://mxp-kb.mobilexpense.com/web-user-guide/working-version/how-many-types-of-accounting-file-are-there (checked 2026-10-28)

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Cite as: whats-best.ai, "Mobilexpense — Expense Management", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/expense-management/mobilexpense

Corrections: https://whats-best.ai/correct/1080?target=page