Software Comparison

Payhawk vs Revolut Business Expenses - Irish expense-management Software Compared

Choosing between Payhawk and Revolut Business Expenses is one of the most common decisions Irish businesses face when evaluating expense-management software. This comparison breaks down everything an Irish SME needs to know, from Revenue integration and GDPR data residency to pricing and ease of use.

View Payhawk View Revolut Business Expenses

Last checked: 08 Jun 2026 data estimated for at least one vendor - confirm with the vendor Methodology

Quick Verdict

Payhawk vs Revolut Business Expenses - Feature Comparison

Feature	Payhawk	Revolut Business Expenses
Irish Bank Feeds	No native AIB, Bank of Ireland, or PTSB bank feed. Reconciliation via SEPA top-up to a Payhawk wallet.	Native to the Revolut Business current account ledger. No separate top-up wallet or open-banking reconciliation required.
Irish IBAN Support	EU IBAN issued; SEPA settlement supported for card top-ups and reimbursements.	Irish IE IBAN issued through Revolut Bank UAB Irish branch, referenced by the Central Bank of Ireland under C494274.
VAT and Irish Tax Handling	Irish VAT rates auto-detected on receipt capture, supporting 23%, 13.5%, and 9% rates without manual categorisation.	OCR auto-fills tax rate from receipt image; rates sync from the connected Xero, QuickBooks, or Sage chart of accounts. Correct Irish VAT rates depend on accounting system configuration.
ERP and Accounting Integration	Xero, Sage, QuickBooks, NetSuite, and Microsoft Dynamics 365.	Xero, QuickBooks Online, and Sage. No NetSuite or Dynamics 365 integration.
Revenue and ROS Integration	No native Revenue or ROS integration.	No native Revenue or ROS integration.
Approval Workflows and Spend Controls	Configurable multi-level approval workflows available across plans, including invoice and card spend controls.	Custom approval workflows require Grow plan or above. Basic plan does not support approval chains.
GDPR Data Residency	EU-hosted. Satisfies GDPR data residency requirements.	EU-hosted. Satisfies GDPR data residency requirements.

Irish Compliance and Pricing Matrix

A side-by-side data comparison of pricing and Irish regulatory compliance for Payhawk and Revolut Business Expenses. Values are derived from each vendor's published data and verified weekly.

Requirement	Payhawk	Revolut Business Expenses
Pricing
Starting price	Contact for pricing	Free tier available
Pricing model	Monthly flat rate	Monthly flat rate
EUR pricing guaranteed	✗	✓
Free trial	✗	✓
Irish Compliance
Revenue (ROS) integration	✗	✗
PAYE Modernisation	✗	✗
Irish bank feeds	✗	✓
Bank compatibility	None listed	SEPA Credit Transfer, SEPA Instant
SEPA direct debit	✓	✓
Irish IBAN support	✓	✓
VAT handling	✓	✓
EU data residency (GDPR)	EU only	EU only
Irish support	✓	✓
Revenue-approved	✗	✗
CBI regulated	✗	✗

Irish Compliance Comparison

For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how Payhawk and Revolut Business Expenses compare on the requirements that matter most to Irish SMEs.

Revenue Integration

Neither Payhawk nor Revolut Business Expenses offers native Revenue Online Service integration. Irish businesses in expense-management may not need this feature directly, but should ensure their accounting software handles Revenue compliance separately.

Irish Bank Feeds

Payhawk supports no Irish banks directly. Revolut Business Expenses supports SEPA Credit Transfer, SEPA Instant. Revolut Business Expenses has broader Irish bank compatibility, which matters if you bank with SEPA Credit Transfer or SEPA Instant - you will get automatic bank feeds or SEPA payment file support that Payhawk cannot offer.

GDPR Data Residency

Both Payhawk and Revolut Business Expenses store data in EU data centres, providing strong GDPR compliance out of the box. Irish businesses can use either platform without worrying about cross-border data transfers to the US or other non-EU jurisdictions.

SEPA and IBAN Support

Both Payhawk and Revolut Business Expenses support SEPA Direct Debit and Irish IBAN format. This means you can process euro payments, set up direct debits, and handle bank transfers in the standard European format without any manual workarounds.

VAT Handling

Both Payhawk and Revolut Business Expenses handle Irish VAT, including standard VAT return preparation and submission. Irish businesses can manage their VAT obligations from either platform without needing a separate tool.

Pricing Comparison

All prices below are in euro. Pricing can change - we verify vendor pricing weekly, but always confirm on the vendor's website before purchasing.

Payhawk

Contact for quote

Pricing model: Flat rate
Free trial: No
EUR pricing guaranteed: No - may fluctuate with exchange rates

View Payhawk pricing →

Revolut Business Expenses

Free tier

Pricing model: Flat rate
Free trial: Yes
EUR pricing guaranteed: Yes

View Revolut Business Expenses pricing →

Payhawk does not publish entry-level pricing - request a quote directly. Total cost of ownership depends on users, plan tier, add-ons and features, so always calculate the full annual cost for your team size before committing.

Who Should Choose Payhawk

Payhawk is the better fit if your business matches one or more of these profiles:

✓ Those who value: eu iban and sepa settlement compatible with irish business bank accounts
✓ Those who value: vat capture handles ireland's multi-rate receipt scenarios
✓ Those who value: broad erp integration including xero, sage, quickbooks, and dynamics 365

Who Should Choose Revolut Business Expenses

Revolut Business Expenses is the better fit if your business matches one or more of these profiles:

✓ Businesses banking with SEPA Credit Transfer, SEPA Instant who want reliable bank feed or payment file support
✓ Those who value: same ledger as the underlying revolut business current account - no separate top-up wallet, no open-banking reconciliation step
✓ Those who value: irish (ie) iban issued via revolut bank uab irish branch - rare in the expense-management category where most competitors issue dk, fr or bg ibans

Our Verdict

Both vendors support EU data residency and satisfy Revenue eBrief 09/15 digital receipt retention, and neither offers native Revenue or ROS integration, which remains a shared limitation for Irish finance teams that close VAT returns through ROS. Both handle Irish multi-rate VAT on receipts, but Revolut Business Expenses derives rates from the connected accounting chart of accounts in Xero, QuickBooks, or Sage, while Payhawk auto-detects them on receipt capture, making Payhawk marginally more autonomous for teams with inconsistent chart-of-accounts discipline.

Ultimately, the best choice depends on your specific business needs, team size, and priorities. We recommend taking advantage of free trials from both vendors before making your final decision. If you are working with an Irish accountant or payroll bureau, ask which platform they prefer - their familiarity with the software can save you significant time and hassle during setup and ongoing support.

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Frequently Asked Questions

Is Payhawk or Revolut Business Expenses better for Irish SMEs?

Payhawk is the stronger choice for Irish SMEs in the 21-50 employee range that run a mid-market ERP such as Sage, Microsoft Dynamics 365, or NetSuite and need tightly controlled multi-level approval workflows alongside card and invoice spend in a single platform. Revolut Business Expenses wins for smaller Irish businesses, particularly those already banking on Revolut Business, because the expense cards, Irish IE IBAN, and receipt store all sit on the same ledger, eliminating the open-banking reconciliation gap that Payhawk introduces by operating as a separate spend wallet topped up via SEPA. On Irish-specific criteria, Revolut Business Expenses holds a clear edge: it issues a native Irish IE IBAN through its Central Bank of Ireland-referenced branch and offers native bank feeds, whereas Payhawk issues an EU IBAN with SEPA top-up but no direct AIB, Bank of Ireland, or PTSB feed integration. Both vendors support EU data residency and satisfy Revenue eBrief 09/15 digital receipt retention, and neither offers native Revenue or ROS integration, which remains a shared limitation for Irish finance teams that close VAT returns through ROS. Both handle Irish multi-rate VAT on receipts, but Revolut Business Expenses derives rates from the connected accounting chart of accounts in Xero, QuickBooks, or Sage, while Payhawk auto-detects them on receipt capture, making Payhawk marginally more autonomous for teams with inconsistent chart-of-accounts discipline.

Which is cheaper, Payhawk or Revolut Business Expenses?

Payhawk starts at Contact for pricing, while Revolut Business Expenses starts at Free tier available. Both are similarly priced at entry level, so the best value depends on which features matter most to your business.

Does Payhawk or Revolut Business Expenses have better Irish bank feeds?

Payhawk supports None. Revolut Business Expenses supports SEPA Credit Transfer, SEPA Instant. Revolut Business Expenses has broader Irish bank support.

Which has better GDPR compliance, Payhawk or Revolut Business Expenses?

Payhawk stores data in EU data centres (GDPR-friendly). Revolut Business Expenses stores data in EU data centres (GDPR-friendly). Both offer EU data centre options, though configuration may be required.

Can I switch from Payhawk to Revolut Business Expenses?

Yes, migrating between Payhawk and Revolut Business Expenses is possible. Most expense-management platforms allow you to export your data in CSV or standard formats. We recommend working with your accountant or IT provider to plan the migration, ideally at the start of a new financial year or payroll period to minimise disruption.

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