You want corporate cards and expense management in one platform instead of a bank card plus manual processes
You use Fortnox and want expenses to sync there automatically via API
Your team travels and you need automatic traktamente per Skatteverket and milersättning
You want receipt automation with OCR scanning and ReceiptHero
You need virtual cards for SaaS subscriptions to control and track software spend
You prefer fixed monthly pricing over bank-style annual and per-card fees
You want to be up and running in 30 minutes, not weeks of bank onboarding
You need multi-tier approval workflows so managers review expenses before they're booked
You want representationsmoms handled automatically in the platform
Feature | Zevoy | Swedbank (Entercard) |
|---|---|---|
Corporate cards | ✅ Own Visa cards | ✅ Visa / Mastercard |
Virtual cards | ✅ Instant | ❌ |
Subscription cards | ✅ Dedicated card per service | ❌ |
Receipt scanning (OCR) | ✅ In-app | ❌ |
Automatic receipt matching | ✅ ReceiptHero | ❌ |
Expense categorisation | ✅ AI-suggested | ❌ Manual |
VAT code mapping | ✅ Per category | ❌ |
Accounting integrations | ✅ 27 systems (API + template) | ⚠️ Basic e-bookkeeping via Speedledger |
Traktamente (Sweden) | ✅ Automatic per Skatteverket | ❌ |
Mileage claims (Sweden) | ✅ Built-in | ❌ |
Approval workflows | ✅ Multi-tier | ❌ |
Expense claims | ✅ | ❌ |
Real-time expense visibility | ✅ | ⚠️ Transaction overview in app and internet bank |
Representation VAT (Sweden) | ✅ Built-in | ❌ |
Onboarding time | ✅ ~30 minutes | ⚠️ Bank KYC + credit decision |
Pricing | Fixed monthly | Annual fees + per-card fees |
A Swedbank corporate card processes payments. That's where its job ends. Zevoy covers the entire expense workflow: card payments, receipt capture, expense categorisation, VAT mapping, travel claims, approval workflows, and direct export to your accounting system. One platform replaces what would otherwise be a card plus a spreadsheet plus an email chain plus manual bookkeeping.
Zevoy integrates with Fortnox via direct API: expenses, receipts, VAT codes, and cost centres sync automatically. Beyond Fortnox, Zevoy connects to 26 other accounting systems including Netvisor, Procountor, NetSuite, and Business Central. Swedbank's corporate cards have no accounting integrations — your bookkeeper types in the data manually.
Zevoy calculates Swedish traktamente automatically based on Skatteverket's published rates for domestic and international travel, including reductions for provided meals. Mileage claims (milersättning) are built in. Swedbank's corporate cards offer no travel expense functionality at all.
Is Swedbank's corporate card cheaper than Zevoy?
Swedbank charges annual fees and per-card fees. Zevoy has fixed monthly pricing. When you account for the time your team spends on manual receipt collection, expense data entry, and bookkeeping reconciliation, the total cost of a Swedbank card setup typically exceeds Zevoy's subscription.
Can I switch from Swedbank corporate cards to Zevoy?
Yes. Zevoy's onboarding takes about 30 minutes with our Customer Success team. Virtual cards are available immediately, and physical cards arrive in 5–7 business days. You can run both systems in parallel during the transition. Zevoy doesn't replace your Swedbank business account — just the corporate cards and expense process.
Does Zevoy integrate with Fortnox?
Yes. Zevoy has a direct API integration with Fortnox. Expenses flow automatically with receipts, VAT codes, cost centres, and correct account mapping. Swedbank has no Fortnox integration.
What is Entercard?
Entercard is the card issuing company behind Swedbank's corporate cards. It's a separate entity (a joint venture), which means your corporate card relationship is actually with Entercard, not directly with Swedbank. This adds complexity to support, billing, and administration.
Does Zevoy handle Swedish traktamente?
Yes. Zevoy calculates traktamente automatically according to Skatteverket's published rates for both domestic and international travel, including reductions when meals are provided. The amounts are ready for export to your accounting system.
Swedbank's corporate cards, issued through Entercard, handle payments. But everything that happens after the payment — receipts, categorisation, travel claims, bookkeeping — is left to you. Zevoy automates the full expense lifecycle 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.