Business expense cards
Choose company expense cards that build trust with employees and provide complete spending control. Real-time approvals requests and simple cardholder receipt submission deliver the fastest possible business expense process.
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SPENDESK IS LOVED BY 5,000+ FINANCE TEAMS
Regain control with prepaid expense cards
Real-time insights
Track spending with instant notifications and ensure your finance team always has the oversight it requires. Use the centralised digital platform or connect via mobile app to keep employee spending data within reach.
Flexible spending
Update and change the rules when it suits. Design your own company card program that adapts to your specific business needs, with top-up capabilities and custom spending limits for each team member.
Team satisfaction
Give managers the power to find budget details and update expense categories when required. Automate accounting processes and let employees submit receipts instantly through the platform, to avoid the end-of-month chase.
Employee spending as a core finance process
Approval policies
Team budgets
Invoice payment
Expense tracking
Virtual & physical cards
Spending reports
Pre-accounting automation
Simplify expense management
Access spend virtually via desktop or mobile app and integrate with accounting software such as Quickbooks, Xero or Sage. Automate your expense management and receipt collection, and send instant reimbursements to cover out-of-pocket employee spending.
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Set corporate card spending rules
Empower your managers to own their budgets and define their spending rules. No need to stress about each employee having access to the entire business bank account; reloadable cards connect to a separate platform to protect your company funds. Spending is approved by specified individuals only, so your funds are completely secure. You can even limit users to specific types of spend, including flights, meals, or fuel.
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Decrease fraud with virtual business cards
Use virtual cards to spend safely online without compromising employee trust. Single-use virtual cards reduce fraud risks for one-off purchases. And dedicated virtual business cards that handle recurring costs - such as subscriptions - month after month.
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Stay ready for tax season and audit
One of the biggest causes of stress for a startup or small business owner is taxes. Maintain a clear audit trail by integrating Spendesk with Quickbooks and perform account reconciliation as you go. This way, you can match and verify expenses in real-time to get a clear, accurate overview of company spending.
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Manage company finances from one place
Automating key processes improves your overall finance operations. From optimising budgets and managing subscriptions to reconciling employee expenses and supplier invoices, it's now possible to track and control all these elements from one simple platform.
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Connect business cards to your accounting system
Say goodbye to end-of-year data entry. Sync your spending activity in one place by directly integrating other tools and ERPs like Xero, Quickbooks, Freshbooks, Microsoft Dynamics, SAP, and Netsuite.
WHAT OUR CUSTOMERS SAY
Everyone likes it, because they have full autonomy to spend what needs to be spent.
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Aaron Townsend, Financial Controller at Habito
Business Expense Cards for Employees | Spendesk — FAQ
View some of the most common questions and answers related to Spendesk business debit cards.
Business expense cards separate company spending from personal credit and provide built-in controls. Spendesk expense cards include per-card spending limits, real-time approval workflows, transaction-level digital receipts, and automated reconciliation with accounting integrations. Unlike personal credit cards that produce month-end statements and mix charges, Spendesk cards prevent mixed charges, reduce fraud, and streamline bookkeeping.
Spendesk expense cards do not offer cash back rewards. Spendesk focuses on reducing fraud and simplifying expense management by providing pre-approval workflows, instant transaction receipts, automated VAT extraction, and accounting integrations. These Spendesk features deliver measurable time and reconciliation savings instead of traditional card cash-back programs.
Spendesk saves accounting time by automating invoice and receipt handling and integrating directly with accounting systems. Spendesk extracts VAT, attaches transaction-level receipts, enforces spending rules, and syncs transactions automatically to QuickBooks, Xero, or Sage. These features reduce manual reconciliation, shorten month-end close, and eliminate paper expense claims for finance teams.
Spendesk enforces per-card spending limits set by managers or the finance team and controls top-ups through approval workflows. Spendesk allows employees to request top-ups that require manager or finance approval; approved top-ups update the card balance in real time and remain subject to team-defined caps and an auditable approval trail for compliance.
Business debit cards centralize spending controls and reduce administrative overhead. Spendesk business debit cards provide real-time spend notifications, customizable spending rules, per-card limits, and automated receipt capture that integrate with accounting systems. These Spendesk features prevent overspending, accelerate month-end reconciliation, and improve manager visibility across team budgets.
Spendesk does not charge per-transaction fees for unlimited purchases on employee expense cards, and Spendesk does not charge monthly or annual fees to deposit funds into cards. Spendesk uses a centralized account separate from the business bank account to hold card balances.
A business expense card is a company-issued payment card for employee work-related purchases. Spendesk business expense cards integrate with the Spendesk platform to enforce spending limits, capture transaction-level digital receipts, enable approval workflows, and sync transactions to accounting software. These Spendesk capabilities remove the need for personal reimbursement and streamline expense tracking.
Find the best Spendesk solution for your business
Budgeting Software Choose the best expense cards for growing businesses
Save precious time. Give freedom. Never lose receipts.
