Moss Corporate Card vs Spendesk
For spending abroad FX markup matters, and Moss Corporate Card does better (2% vs 2.99%). In our editorial rating Moss Corporate Card leads (3.9 vs 2.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Moss Corporate Card and Spendesk.
| Moss Corporate Card | Spendesk | |
|---|---|---|
| Tier | B | C |
| Rating | ★ 3.9 | ★ 2.8 |
| Account fee | Not disclosed | Not disclosed |
| IBAN | dedicato · DE | — |
| Multi-currency | Yes · 2 currencies | No (single currency) |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | — |
| SEPA direct debit (SDD) | No | — |
| On-chain crypto withdrawal | No | No |
| ATM withdrawal | not declared | 0.75% |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA · 1+ countries | EEA, UK, US · 32+ countries |
| Regulator | BaFin | ACPR |
| OAM Italy registration | No | — |
| Segment | B2B | B2B |
| Network | — | Visa |
| Regions | EU/EEA | EU/EEA, UK, US |
| Licences & safety | EMI (BaFin) | Payment Institution (ACPR) |
Frequently asked questions
Moss Corporate Card vs Spendesk: which is better?
For spending abroad FX markup matters, and Moss Corporate Card does better (2% vs 2.99%). In our editorial rating Moss Corporate Card leads (3.9 vs 2.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Moss Corporate Card and Spendesk.
Is Moss Corporate Card custodial or self-custody?
Moss Corporate Card is custodial: funds are held by the platform, while Spendesk is custodial.
Which is better for spending abroad?
For foreign-currency spending Moss Corporate Card wins, with the lowest FX markup: 2%.