You want corporate cards and expense management in a single platform instead of bolting tools together
Your company uses Netvisor, Procountor, Talenom, Fortnox, or any of 27 other accounting systems and needs automatic data flow
Your team travels and you need Finnish per diem and mileage calculation built in
You're tired of chasing employees for paper receipts and want automated receipt matching
You need approval workflows to enforce spending policies
You want to manage SaaS subscriptions with dedicated virtual cards per service
You don't want to go through weeks of bank bureaucracy just to get corporate cards
You prefer fixed, predictable monthly pricing over per-card bank fees
Feature | Zevoy | Nordea First Card |
|---|---|---|
Corporate cards | ✅ Own Visa cards (physical + virtual) | ✅ Visa/Mastercard via Nordea |
Subscription cards | ✅ Dedicated virtual card per service | ❌ |
Expense management platform | ✅ Built-in | ❌ No built-in expense management platform |
Receipt scanning (OCR) | ✅ | ❌ |
ReceiptHero auto-receipts | ✅ | ❌ |
Approval workflows | ✅ Multi-tier | ❌ |
Per diem (Finland) | ✅ Automatic rate calculation | ❌ |
Mileage claims (Finland) | ✅ Auto-calculated | ❌ |
Swedish traktamente | ✅ Built-in | ❌ |
Netvisor integration | ✅ Direct API | ❌ |
Procountor integration | ✅ Direct API | ❌ |
Fortnox integration | ✅ Direct API | ❌ |
Talenom support | ✅ Dedicated template | ❌ |
Total accounting systems | 27 | 0 |
Onboarding time | 30 minutes | Days to weeks (bank KYC process) |
Pricing model | Fixed monthly | Per-card fees + annual fees |
Bank relationship required | No | Yes — Nordea business banking |
Nordea First Card is a payment instrument. It gets you a corporate card, and that's where the product ends. Everything else — expense reporting, receipt collection, approvals, accounting — is your problem to solve separately. Zevoy is a complete expense management platform with cards built in. One login, one system, one vendor for the entire spend workflow.
First Card does not push transactions to your accounting software. Not to Netvisor, not to Procountor, not to Talenom, not to Fortnox — not to anything. Zevoy integrates with 27 accounting systems via direct API or dedicated export templates. That means expenses flow from card transaction to bookkeeping automatically, without manual data entry or CSV imports.
With First Card, receipts are the employee's problem. Someone pays with the card, collects a paper receipt, and eventually submits it to the finance team. Zevoy handles receipts through OCR scanning and ReceiptHero integration — when you pay at a participating merchant, the digital receipt attaches to the expense automatically. No chasing, no lost receipts, no manual matching.
Does Nordea First Card include expense management?
No. First Card is a corporate payment card. While Nordea markets it as a comprehensive expense solution, there is no built-in expense management platform with accounting integrations, approval workflows, and travel claims comparable to a dedicated expense management tool.
Can I use First Card with Netvisor or Procountor?
Not directly. First Card has no native integrations with Finnish accounting systems. You would need to manually enter or import transaction data into your accounting software, or use a third-party connector.
How long does it take to get Nordea First Card vs Zevoy?
Getting a Nordea First Card involves a full bank onboarding process with credit decisions and KYC checks, which can take days to weeks. Zevoy onboarding takes approximately 30 minutes from signup to having cards ready for your team.
Does First Card handle Finnish per diem (päivärahat)?
No. First Card does not calculate per diem rates, meal deductions, or multi-leg trip expenses. Companies using First Card need a separate tool or manual process for travel expense claims.
Can I assign a dedicated card to each SaaS subscription with First Card?
No. First Card does not offer virtual subscription cards. You would use a single corporate card across all subscriptions, making it difficult to track per-service costs or cancel individual subscriptions without affecting others.
Nordea First Card is Finland's most widely used corporate card. But a card is just a payment instrument. Zevoy combines corporate Visa cards with built-in expense management, receipt automation, travel claims, and direct accounting integrations — all in one platform.
Zevoy Aktiebolag
Eteläesplanadi 24 A
00130 Helsinki
Finland
Business ID: 3147751-4
Zevoy is a fintech company founded in 2020. Zevoy Aktiebolag is a Finnish electronic money institution regulated and authorized by the Finnish Financial Supervisory Authority. The company cards are issued by Zevoy Aktiebolag under a license from Visa Europe Limited. Our HQ is in Helsinki, Finland and in addition to our home market we also serve Sweden, Norway, Denmark, Germany, France, Belgium, The Netherlands, Spain, Portugal, Estonia, Lithuania and Latvia.