Comparison

Cardlay Expense vs SEB ID

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

Head to head
About

Cardlay Expense

This app simplifies company expense management by digitizing receipts, tracking mileage, and integrating with ERP systems. It helps save time and money by streamlining reporting and providing a clear overview of all company spending.

Highlights
  • Digital receipt capture
  • Mileage tracking
  • ERP system integration
  • Instant reporting
  • Real-time notifications
  • Currency conversion
Features
Read full description

Introducing Cardlay Expense – Revolutionize Your Company’s Spending! Tired of drowning in receipts and navigating through tangled expense reports? Your solution is here – Cardlay Expense, the app that reshapes how your company manages expenses. Seamlessly and efficiently, even on-the-go. Integrated to Eurocard, the Cardlay Expense app empowers streamlined expense management through instant reporting, digital receipts, real-time notifications, and seamless integration with your ERP system. Cardlay Expense is for you if you want: • Save precious time and save money effortlessly. • Transform paper receipts into digital assets with a simple camera click. • Pair PDF receipts seamlessly with your transactions. • Effortlessly track mileage using your phone’s map function. • Seamlessly integrate to Eurocard’s Smart Receipts. • Swiftly sort expenses by project, client, and more. • Easily manage out-of-pocket expenses. • Effortlessly handle currency conversions for international purchases. • Gain a complete overview of all company expenses. • Enjoy secure logins through SMS or Biometrics. Embrace the future with Cardlay Expense and watch as time-consuming paperwork and frustrating processes become a thing of the past.

About

SEB ID

Securely log in to digital banking services and sign transactions with advanced authentication. This standalone app offers a user-friendly interface for enhanced convenience and broader geographical access to financial channels.

Highlights
  • Secure Login
  • Transaction Signing
  • User-Friendly Interface
  • Enhanced Convenience
  • Broader Geographical Coverage
Read full description

SEB ID is an authentication method designed to enhance access to SEB's digital channels. This standalone mobile application ensures secure login and transaction signing, providing broader geographical coverage and improved convenience. Key features: * Secure Login: Protect your identity with advanced security measures. * Transaction Signing: Easily sign transactions with just a few taps. * User-Friendly Interface: Enjoy a seamless and intuitive user experience. To use SEB ID, you need to be able to log in with your user ID to Business Arena, or log in with your customer ID to Private Wealth Management and Family Office.

Screenshots

Cardlay Expense4 screens
SEB ID4 screens

Verdict

The call

The clearest difference is update cadence: Cardlay Expense at every 6 days against SEB ID's every 6 weeks. On price, rating, ratings volume and ads 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Cardlay Expense against 5.0 for SEB ID. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

UpkeepUpdate frequency

Cardlay Expense ships an update every 6 days, SEB ID every 6 weeks. The most recent releases landed on October 8, 2026 and October 5, 2026 respectively.

Scorecard1 real difference · 9 level
Cardlay Expense versus SEB ID: the parameters behind the verdict, then further details
ParameterCardlay ExpenseSEB ID
PriceFreeFree
Rating5.0 (1 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews—
Number of ratings12 — better
Update frequencyEvery 6 days — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS17.017.0
Further details — not scored
Size152 MB31 MB
Age rating4+4+
DeveloperCardlay A/SSkandinaviska Enskilda Banken AB (publ)

Customer experience

Cardlay Expense

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

SEB ID

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Cardlay Expense

No in-app purchases

None

SEB ID

No in-app purchases

Questions

Is Cardlay Expense free?
Cardlay Expense is free to download, with no in-app purchases.
Is SEB ID free?
SEB ID is free to download, with no in-app purchases.
Which has better reviews, Cardlay Expense or SEB ID?
Cardlay Expense and SEB ID are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.
Do Cardlay Expense or SEB ID have ads?
Neither Cardlay Expense nor SEB ID shows ads.
Which is updated more often, Cardlay Expense or SEB ID?
Cardlay Expense ships an update every 6 days, and SEB ID every 6 weeks. Most recently, Cardlay Expense was updated on October 8, 2026 and SEB ID on October 5, 2026.

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