For finance leads past the free plan

Stop paying an exchange fee on every software subscription.

Mittkurs is company cards and spend software for Nordic companies of ten to fifty people. Each card charge is paid from a balance in that charge’s own currency, so nothing is converted at checkout. Models read every receipt and suggest the account codes no rule covers.

Start free trial See the product

No card details to start

We print Mynt’s and Pleo’s fees next to ours.

On software billed in USD and EUR, exchange is the biggest fee on the invoice.

No free plan, no credit, no mileage claims, no supplier invoices.

Compare

Five lines from a Premium invoice, and what each costs here

Mynt’s numbers come from its price list in kronor, Pleo’s from its UK page in pounds. Ours is the full list, and two lines go against us.

Exchange on a USD charge
Mittkurs0.4% over ECB, once, when you top up
Mynt Premium2.45% on every charge, every plan
Pleo2.00%, 1.75% or 1.49% by tier
Per user, per month
Mittkurs€0
Mynt Premium49 kr
Pleo£8, £14 or £18
Free plan
MittkursNone. Sixty days free, then €29
Mynt PremiumFree up to five users, then 49 kr each
PleoNone listed. Three-user minimum on Build and Optimise
Settlement
MittkursNone. Balances are prepaid
Mynt PremiumDirect debit, or 89 kr a month by invoice
PleoStart monthly. Build and Optimise yearly
Credit
MittkursNone. Prepaid only
Mynt PremiumUp to 1,000,000 SEK on Premium
PleoNot priced in the tiers we checked

2.45% of 1.5 million kronor a year is about 37,000 kr. At 0.4% it is about 6,000.

Spendesk publishes no prices. Its platform and volume fees are quoted by sales.

Where your money and receipts are kept

Balances are held by an authorized e-money institution in Finland
Six currencies: EUR, SEK, USD, NOK, DKK and GBP
Top up by bank transfer. No direct-debit mandate.
If Mittkurs closes, balances go back to the accounts they came from
Receipts and statements are stored in Stockholm, with the ledger
Receipts are kept seven years by default. You can change that.

Your balances are held apart from Mittkurs’s own money. The exchange-rate risk on them is yours, and they earn no interest.

Features

What you get beyond the card

Software for everything between the charge and the books.

◆

Vendor cards

one per subscription, capped at its last renewal amount

▲

Renewal windows

a charge outside them is declined, and you are told

●

Receipts inbox

forward a receipt and the platform reads and matches it

■

Account codes

suggested from how you coded that vendor before, blank when unsure

◇

Pre-close check

missing VAT codes and cost centers, listed first

△

Month-end close

one journal per currency, by API, as an SIE file, or to Azure Data Lake for your reports

Receipts and codes

What the models read on a receipt, and who confirms it

No model posts a journal, declines a card or sets a rate; the close waits for your confirmation.

Every receipt - one model finds the fields, another reads merchant, date, net, VAT, currency and total

Your finance lead - accepts or changes every code the classifier suggests

Under 0.85 - the field stays blank for whoever closes the month

Confirmed lines - a crop of the line and its code, minus company, card and cardholder, pooled across companies for fine-tuning

The product

Spending, balances and month-end, as your finance lead sees them

All three read from the same ledger.

The spending feed: each charge with the balance that paid it and its receipt status, and one conversion showing a 0.4% exchange fee — Every charge, the balance that paid it, and its receipt

Balances in euros, kronor and dollars, a warning that the dollars are short for next month’s renewals, and a conversion quote at the ECB rate plus 0.4% — Your balances, and the one place a conversion happens

The month-end checklist: receipts matched, account codes confirmed, VAT codes complete, and four journals ready to send to the accounting system — Month-end: a short checklist, then one journal per currency

Spending shows each charge, its receipt, and the balance that paid it.

Balances shows your currencies and the one place a conversion happens.

Month-end sends one journal per currency to your accounting system.

Pricing

From €29 a month per company, and nothing per user

MonthlyYearly

Ten
€29€24per company / month
Up to ten cardholders and one legal entity. A fourteen-person company with six cards fits here, and the tenth card costs nothing extra.
- Balances in EUR, SEK, USD, NOK, DKK and GBP
- Exchange at the ECB rate plus 0.4%, only when you convert
- Unlimited virtual cards, one physical card per cardholder
- A virtual card per subscription, capped at its renewal amount
- Receipts read and matched, account codes suggested
- Month-end close to Fortnox, Bokio, Visma Net, Procountor, Tripletex or Business Central
- €0 per user, €0 settlement, €0 top-ups
Thirty
€69€59per company / month
Up to thirty cardholders and one legal entity. For a company that has stopped counting cards.
- Everything in Ten
- Up to thirty cardholders
- Approvals above a limit you set
- Cost centers and projects on every line
- Rules that code a vendor the same way every month
- Cardholder groups with shared limits
- €0 per user, €0 settlement, €0 top-ups
Hundred
€149€129per company / month
Up to a hundred cardholders across up to five legal entities, under one login.
- Everything in Thirty
- Up to one hundred cardholders
- Up to five legal entities, each with its own balances and close
- One journal per currency per entity
- Named finance roles per entity
- Transfers between entities at the same 0.4% margin
- €0 per user, €0 settlement, €0 top-ups

Start free trial

Sixty days free on your real plan, with twelve months of history imported. No card details at sign-up.
Cancel in the app. Each balance returns to the account it came from within five working days.
Virtual cards and your first physical card are free. A replacement by post is €6, our only card fee.
No fees beyond the ones printed here. Changes come with sixty days’ notice.
Every plan is available monthly. Yearly is a choice, never a condition.

Before month-end

August, ready for month-end

Each line is a charge, the balance that paid it, its receipt and its account code. A person confirms each one before anything is posted.

Month-end · August 2026

Date	Card	Amount	Receipt	Account
01 Aug	Vercel, vendor card	USD 20.00	✓Matched	6540 IT services
03 Aug	Figma, vendor card	USD 45.00	✓Matched	5420 Software
05 Aug	Notion, vendor card	USD 96.00	✓Matched	5420 Software
07 Aug	Hetzner, vendor card	EUR 118.40	✓Matched	6540 IT services
12 Aug	L. Berg, physical card	SEK 1,240.00	Not read yet	Left blank
19 Aug	Linear, vendor card	USD 128.00	✓Matched	5420 Software
28 Aug	Slack, vendor card	EUR 212.50	✕Declined, over its cap	None

August’s charges, each paid from its own currency and matched to a receipt

Not a bank statement and not the journal. The journal is built from these lines once a person confirms them.

Sign-up is a business ID and a signatory check. Then top up in SEK and EUR, and create one USD card for your first subscription.

At month-end every charge has its receipt and code, posted or downloaded as SIE.

Pricier for a team of three

A company fee that doesn’t move when you hire

The invoice that started this was priced per user, and the sixth user ended the free plan.

The ledger and month-end cost us money to run. Your headcount doesn’t.

So a company of three pays €29 here, while Mynt Essential is free and Pleo Start is £24 a month.

That is also why there is no free plan, only sixty free days.

Every charge already has a currency. Converting it at checkout is a fee. Converting it when you top up, at a published margin, is your decision.

Whitney Farrow, CEO, Mittkurs

Where the cards work, and who can get them

Accepted wherever Visa is. No cash withdrawals.
Card numbers stay with the card issuer. We hold only the last four digits.
Mittkurs Oy in Helsinki runs the ledger. The issuer runs the cards.

Visa cards, issued to companies in Sweden, Finland, Norway and Denmark.

Scope

Only your cards and your month-end close move here

Credit and expense claims stay with Mynt.

What's in scope

01Cards for people and vendors: unlimited virtual cards, one physical card each.
02Receipts read and matched, account codes suggested, journals sent to six accounting systems or saved as SIE.
03Up to a hundred cardholders across five legal entities.

What we don't do

01No credit. Cards spend prepaid balances. Mynt Premium lends up to 1,000,000 SEK.
02No mileage, per diems or supplier invoices. Mynt handles claims in its app. We don’t read, approve or pay invoices.
03Not for companies spending mostly in their home currency in physical shops. The 2.45% barely shows there.

Open an account yourself, with a business ID.

We send you the sign-up link and a short checklist. Want a call anyway? Bring a month of card spend by currency.

Sixty free days: two month-ends before the first fee
We ask about your foreign-currency spend and your accounting system
Sweden, Finland, Norway and Denmark first

We reply within one business day.