Make business spending easier for employees
Tighter spend control and less admin for finance teams
See every card transaction as it happens and stop out-of-policy spend before month-end
Expend cards give employees a simple way to pay for business expenses, while finance keeps real-time visibility and control over company spend. Set budgets, track card activity live, and apply flexible controls to manage how and when cards are used - without employees needing to pay out of pocket.
Set card limits by employee, team, or expense type, and update instantly when needs change
Expend makes it easy to set employee card limits by role, team, or use case, with budgets for daily, weekly, monthly, or one-off spending. Every card is linked to one central account, so finance can fund, monitor, and control employee spend in one place without topping up cards individually.
Issue virtual cards instantly for one-off purchases, subscriptions, or remote teams
Expend gives employees the right card for the way they work, with virtual cards and physical cards for day-to-day business spending. With flexible spend controls, built-in receipt capture, real-time card management, and Apple Pay and Google Pay, Expend is a faster, more flexible way to manage company spend across every team.
Opening a new Expend account is simple. Once your business is set up, you can issue virtual cards to employees the same day.
Pay quickly and securely with Apple Pay and Google Pay™
Apple Pay is here and available on all your Apple devices. Google Pay™ is a fast and simple solution for contactless payments.
Employees can add their Expend cards to Apple Pay or Google Wallet for fast, secure payments online, in-app, and in-store. This gives teams more flexibility when paying for business expenses while maintaining the same visibility and controls within Expend.
Control company cards directly from the app
Employees can manage both physical and virtual Expend cards directly in the app, alongside connected Card Connect™ business cards.
Card controls include:
• freezing or unfreezing cards
• viewing card details and PINs
• enabling or disabling online and contactless payments
• viewing spending policies and limits
• checking balances and recent transactions
Use Expend cards in the UK and worldwide
Support business spending across locations while keeping every transaction visible and controlled in one place
Added protection with built-in card security
Expend cards include bank-level security, passcode authorisation for online payments, per-user spend controls, and instant locking
Get more from routine business spend
Earn cashback on eligible card purchases across team spending, making routine company expenses give value back to the business
Employee Expense Cards vs Reimbursements
Reimbursements can slow teams down, create extra admin, and leave employees paying out of pocket for business expenses. Employee cards give staff a faster way to pay for approved spend, while finance keeps visibility and control from the moment a purchase is made.
Employee Cards | Reimbursements | ||
|---|---|---|---|
Who pays upfront | The business | The employee |
|
Spend visibility | Real-time | After submission |
|
Policy control | Limits and controls are set before spending happens | Spend is reviewed after the money has been spent |
|
Employee experience | Employees pay for approved expenses without using own funds | Employees to cover costs themselves and wait to be repaid |
|
Receipt capture | Receipts and expense details can be captured at the point of spend | Receipts are more likely to be lost or submitted late |
|
Admin workload | Simple: one-click approvals of previously agreed employee spend | More time spent approving and repaying individual claims |
|
Month-end reconciliation | Easily reconcile with attached receipts, tracking groups and tax data | Reconciliation is often slower and more manual |
|
Control at scale | Easier to manage spending across teams with card limits and budgets | Harder to maintain consistency as employee spending grows |
|
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Joe on Trustpilot
Having recently started using the Expend card and app, I have been pleasantly surprised by the ease and efficiency of the service. The app is incredibly easy to navigate and the support you receive is fast and accurate. I would highly recommend this to any company looking to find a business card for members of their team.
How do company cards for employees work?
With Expend, employee cards are linked to a central company account, and businesses can set budgets and controls for how each card is used. Finance teams can track transactions in real time, while employees use their cards for approved business purchases without paying out of pocket first.
Can you set spend limits on employee cards?
Yes. Expend lets you apply custom budgets and spending controls to employee cards, including limits for different users and restrictions on how cards can be used. These controls can be tailored for daily, weekly, monthly, or one-off spending, helping finance stay flexible without losing control.
Can employee expense cards sync with accounting software?
Yes. Expend helps connect card transactions, receipts, and expense data with your accounting workflow, including Xero and QuickBooks, so reconciliation takes less manual work and finance records stay more accurate and up to date.
Are virtual expense cards suitable for subscriptions?
Yes. Expend virtual cards are well suited to subscriptions and recurring payments, as well as online purchases. They give finance a controlled way to manage software spend, supplier payments, and other recurring business costs, and can be issued instantly - no waiting for delivery of a physical card.