Comparison

Payhawk vs Vermoe

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Payhawk

Manage your company's spending lifecycle with digital compliance. Issue instant cards with custom limits, automate expense reports, and integrate with accounting systems. Go paperless with digital receipts and real-time reconciliation.

Highlights
  • Instant virtual and physical card issuance
  • Customizable spending limits
  • Automated expense reporting
  • Real-time transaction notifications
  • Automated invoice matching
  • Accounting system integrations
  • Digital receipt storage
Features
Read full description

What is Payhawk? One place to manage your entire spending lifecycle in a digitally compliant way. Why Payhawk? A click of a button is better than a trip to a bank. Next Generation cards * Issue cards instantly - issue physical or virtual cards to employees with a click. * Set spending limits - decide how much every employee can spend and create limits by vendors, categories and time * Control cash withdrawals and online payments - enable or disable ATM cash withdrawals & online payments. * Design custom approval chain - empower employees to request funds through an approval process * Prevent card sharing - delete all pictures of your shared company card. * Issue team cards for employees spending from a shared budget - the right way to manage subscriptions, marketing budgets, or project-based spending * Business Debit cards - issued by Visa and accepted worldwide. Don’t deal with expense reports and receipts * Real-time notifications - snap photos of receipts and invoices after every card transaction. * Don’t chase invoices - employees are constantly reminded to submit payment proofs. * Automated inbox - digital invoices are automatically matched with card transactions. * Automated categorization - based on your own chart of accounts. * Let us take care of the pre-accounting - we use smart computer vision that reads 60+ languages making every expense ready for reconciliation * Reconcile in real-time - calculate your budget vs. actual reports in real time * Easily pay bills and reimbursements - Initiate SEPA and Faster Payments transfers with one click directly from the platform * Go paperless - invoices, receipts, and bank statements are all digital and kept for 10 years. * No more bank statements - transactions and expenses are matched with a breeze. * Accounting integrations - push reconciled expenses straight to your accounting system. Do you work with an external accounting team? No problem, you can easily invite them to our web portal or export them a monthly Excel report. Learn more and sign-up at https://payhawk.com Follow us on LinkedIn: https://www.linkedin.com/company/payhawk-com/

About

Vermoe

Features
Read full description

Mit der VERMØ App erhältst du direkten Einblick in die Entwicklung deiner Vermögenswerte. Alle wichtigen Details zur Allokation, den Einzeltiteln, Umsätzen und Performancebeiträgen jederzeit einsehbar. - Deine Vermögensstrategien: Konsolidierte Darstellung, Einzeltitel, Gesamtvermögen. - Volle Kontrolle über die Details: Allokation, Chartvergleiche, Analysen zu deinen Einzeldepots - Über das digitale Postfach Wichtiges immer zur Hand und mit der Nachrichtenfunktion Dein direkter Draht zu Deinem Ansprechpartner. Die Anbindung weiterer Depots und Vermögenswerte ist jederzeit möglich. Bedingung für den Zugang: Du benötigst aktuelle Zugangsdaten zur VERMØ App, um auf dein Vermögensmanagement und Postfach zugreifen zu können.

Screenshots

Payhawk4 screens
Vermoe4 screens

Verdict

The call

The clearest difference is update cadence: Payhawk at every 3 days against Vermoe's every 4 weeks. Vermoe's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Payhawk ships an update every 3 days, Vermoe every 4 weeks. The most recent releases landed on November 6, 2026 and October 30, 2026 respectively.

Scorecard2 real differences · 8 level
Payhawk versus Vermoe: the parameters behind the verdict, then further details
ParameterPayhawkVermoe
PriceFreeFree
Rating4.5 (254 ratings) — better—
Positive reviews59.6% of reviews—
Number of ratings254 — better—
Update frequencyEvery 3 days — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size152 MB40 MB
Age rating4+4+
DeveloperPayhawk OODHonestas Finanzmanagement GmbH

In-app purchases

None

Payhawk

No in-app purchases

None

Vermoe

No in-app purchases

Questions

Is Payhawk free?
Payhawk is free to download, with no in-app purchases.
Is Vermoe free?
Vermoe is free to download, with no in-app purchases.
Do Payhawk or Vermoe have ads?
Neither Payhawk nor Vermoe shows ads.
Which is updated more often, Payhawk or Vermoe?
Payhawk ships an update every 3 days, and Vermoe every 4 weeks. Most recently, Payhawk was updated on November 6, 2026 and Vermoe on October 30, 2026.

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