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Business expenses made efficient

Get the end-to-end automation you always wished for. Now you can even add the newly released Yokoy Business Mastercards for your whole team.

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Simple. Secure. Integrated.

Customizable & Integratable

Customize workflows, policies and more, while integrating your favorite tools.

Active fraud prevention

The Yokoy artificial intelligence module actively recognizes fraud pattern and flags them as such.


Modern audit protocols ensure compliance with local auditing standards in Switzerland, Austria, Germany, the US and many more.

On-the-go and real-time

Submit anywhere, anytime from your mobile phone or web app. It even works offline.

Automated VAT-read out

Yokoy recognizes VAT, validates it and automatically prepares the booking journal for the correct booking and VAT reclaim.

Trips & Auto lump sum calculation

Lump-sums are automatically calculated based on your internal guidelines.

Auto-reconciliation of card transactions

We directly feed in your card transactions, match them with the receipts and do the reconciliation work for you.

AI scanning

Auto-creation of your entire expense report based on AI
 receipt scanning.


All expenses are validated by the Yokoy-AI-engine in order for you to only check special cases manually. The rest is fully automated!

Assistant function

With the assistant functionality, you can upload, edit and submit expenses on behalf of your manager(s) anytime and anywhere.

Delegate and deputy

Easily assign delegates and deputies to work on tasks on behalf of you.

Data insights

Create spending reports and analysis dashboards to have the overview you always wanted.


The brand new Yokoy Mastercard

Tired of high and untransparent business card fees mixed with lots of manual admin work?

Get the Yokoy Business Prepaid Mastercard that is fully integrated into your existing finance and HR systems.

No card fees

Free business cards for your entire team.

0% FX fees

Benefit from interbank exchange rates! Yokoy doesn’t add any FX surcharges.

Direct transaction feed

Transactions are automatically fed into your Yokoy expense tool, matched and reconciled with the receipts.

Spend control & Analysis

The Yokoy card dashboard gives you full control over all cards and transactions at any time.

Disclaimer: The Yokoy Business Prepaid Mastercard is currently only offered in Switzerland under the acceptance- and service regulations of the issuer bank Hypothekarbank Lenzburg. For more details, get in touch with us.


Simple yet powerful

You only need to check special cases manually, Yokoy’s artificial intelligence engine automates the rest and makes the expense experience easy and smooth for everyone.

Frequently asked questions

Who issues the card?
Yokoy partners with Hypothekarbank Lenzburg, which acts as the card issuer bank and the mastercard license holder.
Do you integrate with my finance and HR tools?
Yokoy integrates with more than 50 tools and versions. Here you can find a list. In case we’re not integrating with your specific tool, please get in contact with us here and let’s discuss. There is also the possibility for you to use our free Open REST API to connect your favorite systems with the Yokoy platform.
How will our data be protected?
Data protection is one of the key focus areas of Yokoy, thus, we are using modern data encryption standards for data at rest as well as in transit. Additionally, Yokoy has tasked external penetration testers (hackers) to constantly check the platform for vulnerabilities. We are following local regulations like GDPR in the EU or the Swiss Data Privacy Act to deliver best in class data protection standards.
Do I have to buy a Yokoy card on top of the expense management solution?
No. The expense management tool and the Yokoy card are two different services. However, since the Yokoy cards are free of charge, you need at least one expense management tool license per card. The Yokoy card is fully integrated in the tool (with direct transaction import), thus, it wouldn’t make sense to order a Yokoy card without having access to the tool.
How long does an implementation take?
This is very much dependent on the configurations and the integrations. An implementation can take from several hours up to a couple of days of actual work (typically spread over 3-4 weeks). For example, a global implementation with 2 legal entities, one ERP system integration, credit cards integrations and SSO setup, requires about 2 days of work from the customer and 2+ days of work from the dedicated Yokoy Onboarding Manager and all of this spread over 3-4 weeks. Thanks to the newest technology used, Yokoy is able to configure and test in a very short time period.
What is the pricing?
It is important to the Yokoy team that the expense management tool and the Yokoy cards are properly setup and integrated in the company’s system landscape. No two setups are the same! We believe in full automation. Therefore, we are happy to discuss your specific needs and create a tailored offer for you.
Can you serve enterprise customers?
Yes, Yokoy brings a true value-add to enterprise customers. The tool is built for complex, global multi-entity configurations and integrates with most enterprise ERP- & HRM- tools like SAP R3/S4 and Successfactors among others. The experienced Onboarding Project Managers will lead the project from the planning to the implementation and testing phase and hand over the tool to the company during a training workshop session. Enterprise customers benefit from a dedicated Key Account Manager and Finance Process Consulting from our inhouse Finance experts (former Big4 Finance Auditors).

Smooth expense management for everyone

Yokoy benefits everyone.
Which user are you?

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