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",[461],{"type":462,"attrs":463},"textStyle",{"color":464},"#000000",{"type":293,"attrs":466,"content":467},{"level":295,"textAlign":25},[468],{"text":469,"type":196,"marks":470},"What about a 'proper' lunch out? ",[471],{"type":462,"attrs":472},{"color":464},{"type":190,"attrs":474,"content":475},{"textAlign":25,"key":325},[476],{"text":477,"type":196,"marks":478},"If you prefer to sit down with a menu and your colleagues, never fear. Restaurants, cafés and private dining still take the lion’s share of the bill, accounting for 79% of spending across restaurants, catering and delivery.",[479],{"type":462,"attrs":480},{"color":464},{"type":190,"attrs":482,"content":483},{"textAlign":25,"key":337},[484],{"text":485,"type":196,"marks":486},"Spending dipped just 1% compared with the same period last year, so a free lunch on the corporate card is hardly off the menu. With that small decline, you can confidently pitch your next working lunch as a contribution to the hospitality sector.",[487],{"type":462,"attrs":488},{"color":464},{"type":293,"attrs":490,"content":491},{"level":295,"textAlign":25},[492],{"text":493,"type":196,"marks":494},"Big thank you? Big voucher ",[495],{"type":462,"attrs":496},{"color":464},{"type":190,"attrs":498,"content":499},{"textAlign":25,"key":349},[500],{"text":501,"type":196,"marks":502},"We should be grateful that the ‘thank-you’ budget has survived. Across voucher providers, florists, chocolate and gift specialists, spending increased 6.3%, from approximately £280,400 to £298,100.",[503],{"type":462,"attrs":504},{"color":464},{"type":190,"attrs":506,"content":507},{"textAlign":25,"key":359},[508],{"text":509,"type":196,"marks":510},"But what arrives is changing. Spending on flowers, chocolate, hampers and gift specialists combined fell 18.4%, while vouchers rose 27.5% to £192,400. Vouchers now account for 64.5% of spending across these four gifting groups, up from 53.8% in the same period last year.",[511],{"type":462,"attrs":512},{"color":464},{"type":190,"attrs":514},{"textAlign":25,"key":370},{"type":413,"attrs":516},{"id":517,"body":518},"6f0c4b56-ff5d-4233-8aed-f15d8d391ffb",[519],{"_uid":520,"link":521,"asset":522,"caption":88,"component":425},"i-76e1921a-7458-4cc0-85f6-e92a3788f613",{"id":88,"url":88,"linktype":420,"fieldtype":173,"cached_url":88},{"id":523,"alt":88,"name":88,"focus":88,"title":88,"source":88,"filename":524,"copyright":88,"fieldtype":168,"meta_data":525,"is_external_url":28},238429672647084,"https://a.storyblok.com/f/146026/3200x2400/4558a34810/today-s-thank-you-looks-a-bit-different.png",{},{"type":190,"attrs":527},{"textAlign":25,"key":376},{"type":190,"attrs":529,"content":530},{"textAlign":25,"key":382},[531],{"text":532,"type":196,"marks":533},"Flowers show a particularly clear change. Spending fell 28%, with 237 businesses buying bouquets last year compared with 209 this year.",[534],{"type":462,"attrs":535},{"color":464},{"type":190,"attrs":537,"content":538},{"textAlign":25,"key":393},[539],{"text":540,"type":196,"marks":541},"Interflora spending dropped 23%. Bloom & Wild proved more resilient, holding almost steady with a decline of just 1%.",[542],{"type":462,"attrs":543},{"color":464},{"type":190,"attrs":545,"content":546},{"textAlign":25,"key":399},[547],{"text":548,"type":196,"marks":549},"Hampers and gift specialists, including Not On The High Street, experienced a sharper spending decline: down 40.3%.Chocolate, however, is keeping its place. Spending rose 7.8%, despite purchases falling 41%. Average purchase value increased from £167 to £307, a rise of approximately 84%. Looks like those orders could involve more than just two trays.",[550],{"type":462,"attrs":551},{"color":464},{"type":190,"attrs":553,"content":554},{"textAlign":25,"key":405},[555],{"text":556,"type":196,"marks":557},"And in a boon for the challenger brands, Tony’s Chocolonely spending rose 17.4%, taking its share of chocolate spending from 67% to 73%. Hotel Chocolat moved the other way, falling 23.4%.",[558],{"type":462,"attrs":559},{"color":464},{"type":293,"attrs":561,"content":563},{"level":562,"textAlign":25},3,[564],{"text":565,"type":196,"marks":566},"Choice, convenience and the personal touch: ",[567],{"type":462,"attrs":568},{"color":464},{"type":190,"attrs":570,"content":571},{"textAlign":25,"key":411},[572],{"text":573,"type":196,"marks":574},"The appeal of vouchers is easy to understand: let the recipient choose, without the dietary detective work or delivery coordination.",[575],{"type":462,"attrs":576},{"color":464},{"type":190,"attrs":578,"content":579},{"textAlign":25,"key":428},[580],{"text":581,"type":196,"marks":582},"The 27.5% spending increase came from fewer, bigger purchases. Average purchase value rose from £155 to £211, even as purchase numbers fell 6.6% and the number of businesses buying dropped 17.6%.",[583],{"type":462,"attrs":584},{"color":464},{"type":190,"attrs":586,"content":587},{"textAlign":25,"key":431},[588],{"text":589,"type":196,"marks":590},"Spending on multi-retailer vouchers, such as One4all and Love2shop, rose 34.9%, while experience and travel gift vouchers, including ExperienceGift, Virgin Experience Days and TUI Gift Cards, fell 30%.",[591],{"type":462,"attrs":592},{"color":464},{"type":190,"attrs":594,"content":595},{"textAlign":25,"key":437},[596],{"text":597,"type":196,"marks":598},"Fewer businesses bought in each gifting category, but the overall budget grew. Perhaps the company thank-you is becoming a more organised affair: a batch of vouchers or a bulk chocolate order, with fewer individual deliveries along the way.",[599],{"type":462,"attrs":600},{"color":464},{"type":190,"attrs":602,"content":604},{"textAlign":25,"key":603},"p-16",[605],{"text":606,"type":196,"marks":607},"While spending might look similar on the surface, priorities are changing. Knowing exactly where the money is going helps finance teams plan the next budget around those changes.",[608],{"type":462,"attrs":609},{"color":464},{"type":293,"attrs":611,"content":612},{"level":295,"textAlign":25},[613],{"text":614,"type":196,"marks":615},"Upgrading business travel ",[616],{"type":462,"attrs":617},{"color":464},{"type":190,"attrs":619,"content":621},{"textAlign":25,"key":620},"p-17",[622],{"text":623,"type":196,"marks":624},"The travel budget hasn’t gone far: spending slipped just 1.2%, from £10.96m to £10.83m. Some of the individual bills, however, are getting harder to overlook.",[625],{"type":462,"attrs":626},{"color":464},{"type":190,"attrs":628,"content":630},{"textAlign":25,"key":629},"p-18",[631],{"text":632,"type":196,"marks":633},"Flight purchases above £1,000 now account for more than half of flight purchase spending: 51.1%, up from 48.2% a year earlier. Their share grew even as total flight purchases fell 8.6%.",[634],{"type":462,"attrs":635},{"color":464},{"type":190,"attrs":637},{"textAlign":25,"key":638},"p-19",{"type":413,"attrs":640},{"id":517,"body":641},[642],{"_uid":643,"link":644,"asset":645,"caption":88,"component":425},"i-1b751cf5-aee5-4efd-b4e2-7b1bf92e24bf",{"id":88,"url":88,"linktype":420,"fieldtype":173,"cached_url":88},{"id":646,"alt":88,"name":88,"focus":88,"title":88,"source":88,"filename":647,"copyright":88,"fieldtype":168,"meta_data":648,"is_external_url":28},238428937299998,"https://a.storyblok.com/f/146026/3200x2400/cfbeda7ae6/bigger-flight-purchases-take-more-of-the-bill-1.png",{"size":649},"3200x2400",{"type":190,"attrs":651},{"textAlign":25,"key":652},"p-20",{"type":190,"attrs":654,"content":656},{"textAlign":25,"key":655},"p-21",[657],{"text":658,"type":196,"marks":659},"Meanwhile, spending on hotel purchases above £5,000 rose approximately 25% to £270,600, despite overall hotel spending falling 8.4%.",[660],{"type":462,"attrs":661},{"color":464},{"type":190,"attrs":663,"content":665},{"textAlign":25,"key":664},"p-22",[666],{"text":667,"type":196,"marks":668},"That leaves finance looking at two quite different sorts of purchase: the everyday booking and the substantial commitment.",[669],{"type":462,"attrs":670},{"color":464},{"type":190,"attrs":672,"content":674},{"textAlign":25,"key":673},"p-23",[675],{"text":676,"type":196,"marks":677},"A large payment could cover a whole team or an extended stay, so it deserves some context before anyone starts asking who ordered the presidential suite. For dispersed teams, planned gatherings are one possible explanation. Customer visits, conferences and longer assignments offer others.",[678],{"type":462,"attrs":679},{"color":464},{"type":190,"attrs":681,"content":683},{"textAlign":25,"key":682},"p-24",[684],{"text":685,"type":196,"marks":686},"The overall travel bill looks relatively familiar. Knowing who travelled, for how long and why helps finance understand what has changed underneath, and what to budget for next.",[687],{"type":462,"attrs":688},{"color":464},{"type":293,"attrs":690,"content":691},{"level":562,"textAlign":25},[692],{"text":693,"type":196,"marks":694},"Where do the airlines land? ",[695],{"type":462,"attrs":696},{"color":464},{"type":190,"attrs":698,"content":700},{"textAlign":25,"key":699},"p-25",[701],{"text":702,"type":196,"marks":703},"Business travel is holding its place on the corporate card, but the budget airlines aren’t the ones gaining ground.",[704],{"type":462,"attrs":705},{"color":464},{"type":190,"attrs":707,"content":709},{"textAlign":25,"key":708},"p-26",[710],{"text":711,"type":196,"marks":712},"British Airways spending rose 7.7% to £1.14m, while easyJet fell 30.8% and Ryanair dropped 19.1%. Accommodation saw familiar names lose ground too: Airbnb spending declined 23.8%, while Travelodge fell 38.6%.",[713],{"type":462,"attrs":714},{"color":464},{"type":190,"attrs":716,"content":718},{"textAlign":25,"key":717},"p-27",[719],{"text":720,"type":196,"marks":721},"For a business traveller, the cheapest advertised price can come with other costs: an awkward airport transfer, another night away or less time with the customer. Timings, flexibility and convenience all have a place in the booking decision.",[722],{"type":462,"attrs":723},{"color":464},{"type":190,"attrs":725,"content":727},{"textAlign":25,"key":726},"p-28",[728],{"text":729,"type":196,"marks":730},"Booking arrangements are changing too. Spending through travel agencies and booking platforms increased 16.9%, while direct flight and hotel spending fell. TravelPerk gained 46.8%, from £1.48m to £2.17m.",[731],{"type":462,"attrs":732},{"color":464},{"type":190,"attrs":734,"content":736},{"textAlign":25,"key":735},"p-29",[737],{"text":738,"type":196,"marks":739},"A platform payment can cover services that might otherwise appear against an airline or hotel, so lower direct spending doesn’t necessarily mean less travel. Finance needs a view of both to understand how the budget is being used.",[740],{"type":462,"attrs":741},{"color":464},{"type":190,"attrs":743,"content":745},{"textAlign":25,"key":744},"p-30",[746],{"text":747,"type":196,"marks":748},"Businesses still have choices about where the money goes, and several familiar low-cost names are finding themselves on the losing side.",[749],{"type":462,"attrs":750},{"color":464},{"type":293,"attrs":752,"content":753},{"level":295,"textAlign":25},[754],{"text":755,"type":196,"marks":756},"How Spendesk helps make the company budget work harder ",[757],{"type":462,"attrs":758},{"color":464},{"type":190,"attrs":760,"content":762},{"textAlign":25,"key":761},"p-31",[763],{"text":764,"type":196,"marks":765},"A food bill up 3.2%. A travel budget down 1.2%. Neither suggests much has changed, until you look at what businesses are buying.",[766],{"type":462,"attrs":767},{"color":464},{"type":190,"attrs":769,"content":771},{"textAlign":25,"key":770},"p-32",[772],{"text":773,"type":196,"marks":774},"Knowing what a purchase was for makes it easier to judge the bill. A £5,000 hotel payment looks rather different when it covers a whole team, and a catering order makes more sense when you know who came to lunch.",[775],{"type":462,"attrs":776},{"color":464},{"type":190,"attrs":778,"content":780},{"textAlign":25,"key":779},"p-33",[781],{"text":782,"type":196,"marks":783},"Spendesk’s spend management software brings payments, approvals and reporting together, giving finance teams the spend visibility to understand those changes and plan around them.",[784],{"type":462,"attrs":785},{"color":464},{"type":190,"attrs":787,"content":789},{"textAlign":25,"key":788},"p-34",[790],{"text":791,"type":196,"marks":792},"It helps teams agree budgets with colleagues and set up the approvals around them. Spending limits can vary by category, with larger requests sent to the right person for sign-off. Routine purchases within the agreed rules can pass automatically, depending on the configuration.",[793],{"type":462,"attrs":794},{"color":464},{"type":190,"attrs":796,"content":798},{"textAlign":25,"key":797},"p-35",[799],{"text":800,"type":196,"marks":801},"This finance automation saves time on administration, while spending insights help teams decide what to do next. Colleagues know what they can spend and when to ask. Finance can discuss whether a team event was worth repeating or a travel budget needs adjusting, with the detail already to hand.",[802],{"type":462,"attrs":803},{"color":464},{"type":190,"attrs":805,"content":807},{"textAlign":25,"key":806},"p-36",[808],{"text":809,"type":196,"marks":810},"That’s what working better and spending smarter looks like: less time piecing together what happened, and more time making informed decisions about the next budget.",[811],{"type":462,"attrs":812},{"color":464},{"type":190,"attrs":814,"content":816},{"textAlign":25,"key":815},"p-37",[817,828],{"text":818,"type":196,"marks":819},"Talk to the Spendesk team",[820,823,826],{"type":174,"attrs":821},{"href":822,"uuid":25,"anchor":25,"target":447,"linktype":172},"https://www.spendesk.com/schedule-a-demo/",{"type":462,"attrs":824},{"color":825},"#1155CC",{"type":827},"underline",{"text":829,"type":196,"marks":830}," about managing company spending.",[831],{"type":462,"attrs":832},{"color":464},{"type":413,"attrs":834},{"id":835,"body":836},"4569ad62-9713-4b74-aef0-9d645750b9dc",[837],{"cta":838,"_uid":852,"image":853,"title":858,"subtitle":88,"component":870,"imageFullWidth":28},[839],{"tag":88,"_uid":840,"hide":28,"icon":841,"link":843,"type":88,"label":850,"style":851,"component":176,"mobileLabel":88,"onClickEvent":88,"openInANewTab":28,"horizontalFill":28,"isDownloadable":28},"428ac9e5-abb9-490d-be4e-ba0a2c05a3fe",{"id":25,"alt":25,"name":88,"focus":25,"title":25,"source":25,"filename":88,"copyright":25,"fieldtype":168,"meta_data":842},{},{"id":844,"url":88,"linktype":420,"fieldtype":173,"cached_url":845,"story":846},"653b3d7c-8120-446f-9632-00292d61b71f","insights/european-spend-insights-2026",{"name":847,"id":848,"uuid":844,"slug":849,"url":845,"full_slug":845,"_stopResolving":41},"SaaS Spend Intelligence: Four Hard Truths About What European Companies Are Paying For (and Wasting)",218942012023055,"european-spend-insights-2026","Read the Report","primary","i-d709d371-c67e-42cd-8f4f-ee1f5d37abfc",{"id":854,"alt":88,"name":88,"focus":88,"title":88,"source":88,"filename":855,"copyright":88,"fieldtype":168,"meta_data":856,"is_external_url":28},231287013786255,"https://a.storyblok.com/f/146026/1600x2000/5550e910d3/dts_currency_fanette_guilloud_photos_id6015.jpg",{"size":857},"1600x2000",{"type":186,"attrs":859,"content":860},{"backgroundColor":25},[861],{"type":293,"attrs":862,"content":863},{"level":295,"textAlign":25},[864],{"text":865,"type":196,"marks":866},"€7 billion in SaaS overspend. Is your business paying more than it should?",[867,869],{"type":462,"attrs":868},{"color":88},{"type":318},"ctaBlock",{"type":293,"attrs":872,"content":873},{"level":295,"textAlign":25},[874],{"text":875,"type":196,"marks":876},"Frequently asked questions",[877,879],{"type":462,"attrs":878},{"color":464},{"type":318},{"type":293,"attrs":881,"content":882},{"level":562,"textAlign":25},[883],{"text":884,"type":196,"marks":885},"Are businesses cutting spending on working life?",[886,888],{"type":462,"attrs":887},{"color":464},{"type":318},{"type":190,"attrs":890,"content":892},{"textAlign":25,"key":891},"p-38",[893],{"text":894,"type":196,"marks":895},"The picture is mixed. Overall spending on the sterling-charged basis analysed fell 4.8%, but combined food spending rose 3.2% and identifiable gifting increased 6.3%. Travel spending slipped 1.2%. Within those totals, changes in suppliers and purchasing habits were considerably more pronounced.",[896],{"type":462,"attrs":897},{"color":464},{"type":293,"attrs":899,"content":900},{"level":562,"textAlign":25},[901],{"text":902,"type":196,"marks":903},"What is happening to business gifting?",[904,906],{"type":462,"attrs":905},{"color":464},{"type":318},{"type":190,"attrs":908,"content":910},{"textAlign":25,"key":909},"p-39",[911],{"text":912,"type":196,"marks":913},"Spending on flowers, chocolate and hampers combined fell 18.4%, while voucher spending increased 27.5%. Vouchers now account for 64.5% of spending across the four identified gifting groups, up from 53.8%. Chocolate bucked the wider physical-gift decline, growing 7.8%.",[914],{"type":462,"attrs":915},{"color":464},{"type":293,"attrs":917,"content":918},{"level":562,"textAlign":25},[919],{"text":920,"type":196,"marks":921},"Does a larger travel payment mean a better trip?",[922,924],{"type":462,"attrs":923},{"color":464},{"type":318},{"type":190,"attrs":926,"content":928},{"textAlign":25,"key":927},"p-40",[929],{"text":930,"type":196,"marks":931},"A larger payment can cover several travellers, more nights, higher prices or a different booking arrangement. Understanding the people and purpose behind it helps finance assess what the business received for its money.",[932],{"type":462,"attrs":933},{"color":464},{"type":293,"attrs":935,"content":936},{"level":562,"textAlign":25},[937],{"text":938,"type":196,"marks":939},"How can finance teams compare larger purchases fairly?",[940,942],{"type":462,"attrs":941},{"color":464},{"type":318},{"type":190,"attrs":944,"content":946},{"textAlign":25,"key":945},"p-41",[947],{"text":948,"type":196,"marks":949},"Record relevant details, such as attendees, travellers or nights, alongside the payment. This helps teams distinguish a larger group booking from a higher individual cost and make useful comparisons when planning future spending.",[950],{"type":462,"attrs":951},{"color":464},{"type":293,"attrs":953,"content":954},{"level":562,"textAlign":25},[955],{"text":956,"type":196,"marks":957},"What should businesses look for in budget management software?",[958,960],{"type":462,"attrs":959},{"color":464},{"type":318},{"type":190,"attrs":962,"content":964},{"textAlign":25,"key":963},"p-42",[965],{"text":966,"type":196,"marks":967},"Useful budget management software connects spending by team, category and supplier with approvals, spending limits and reporting. Finance teams need enough detail to understand changes within the total, spot unexpected costs and adjust budgets as priorities evolve.",[968],{"type":462,"attrs":969},{"color":464},{"type":293,"attrs":971,"content":973},{"level":972,"textAlign":25},5,[974],{"text":975,"type":196,"marks":976},"Sample and method",[977,979],{"type":462,"attrs":978},{"color":464},{"type":318},{"type":190,"attrs":981,"content":983},{"textAlign":25,"key":982},"p-43",[984],{"text":985,"type":196,"marks":986},"This report follows a matched sample of 454 GB-registered Spendesk customer companies, selected for their established spending history. They form part of Spendesk’s wider UK customer base.",[987],{"type":462,"attrs":988},{"color":464},{"type":190,"attrs":990,"content":992},{"textAlign":25,"key":991},"p-44",[993],{"text":994,"type":196,"marks":995},"We compared January–September 2026 with the same period in 2025. Following the same businesses and calendar months provides a consistent basis for examining changes in purchasing behaviour. Companies qualified by recording positive card spending in each January–September period in 2024, 2025 and 2026. The comparison itself covers 2025 and 2026; company entities may share a parent organisation.",[996],{"type":462,"attrs":997},{"color":464},{"type":293,"attrs":999,"content":1000},{"level":972,"textAlign":25},[1001],{"text":1002,"type":196,"marks":1003},"Payment data",[1004,1006],{"type":462,"attrs":1005},{"color":464},{"type":318},{"type":190,"attrs":1008,"content":1010},{"textAlign":25,"key":1009},"p-45",[1011],{"text":1012,"type":196,"marks":1013},"The main analysis uses settled, GBP-billed corporate cards transactions where merchants are also charged in GBP. Spending is reported in pounds, net of refunds. This includes overseas services charged in sterling, so currency does not establish where a purchase took place.",[1014],{"type":462,"attrs":1015},{"color":464},{"type":293,"attrs":1017,"content":1018},{"level":972,"textAlign":25},[1019],{"text":1020,"type":196,"marks":1021},"Categories and comparisons",[1022,1024],{"type":462,"attrs":1023},{"color":464},{"type":318},{"type":190,"attrs":1026,"content":1028},{"textAlign":25,"key":1027},"p-46",[1029],{"text":1030,"type":196,"marks":1031},"Merchant category codes, payment descriptions and supplier research inform the classifications, with the same rules applied to both years. Identifiable supplier-name variations are grouped together.",[1032],{"type":462,"attrs":1033},{"color":464},{"type":190,"attrs":1035,"content":1037},{"textAlign":25,"key":1036},"p-47",[1038],{"text":1039,"type":196,"marks":1040},"Catering covers prepared-food catering services for workplaces and events, with equipment, restaurant dining, mixed venue hospitality and unresolved payments classified separately. Restaurants include cafés and private dining. Food-delivery platforms are identified separately to avoid overlap: City Pantry, now Just Eat for Business, is classified as catering, while payments identified as Just Eat sit within delivery.",[1041],{"type":462,"attrs":1042},{"color":464},{"type":190,"attrs":1044,"content":1046},{"textAlign":25,"key":1045},"p-48",[1047],{"text":1048,"type":196,"marks":1049},"Gifting covers voucher providers, florists, chocolate and hamper/gift specialists, including Not On The High Street. Mixed department-store spending is kept separate. 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00:00","5",[],[2774],{"_uid":2775,"items":2776,"heading":2813,"reverse":28,"component":2707,"sectionSettings":2831},"9245b9cd-446a-4e08-bf28-3c934bfbccdb",[2777,2786,2795,2804],{"_uid":2778,"title":2779,"component":2562,"description":2780},"7bda2cd7-6333-430c-9a40-f8e8f1fb79dd","What are the most important SaaS metrics startups should track?",{"type":186,"content":2781},[2782],{"type":190,"content":2783},[2784],{"text":2785,"type":196},"The most important SaaS metrics to track are MRR, ARR, churn rate, CAC, LTV, gross margin, and burn rate. 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