Your team shares a credit card. Nobody knows who spent what until the statement arrives.
Shared cards mean no attribution, no real-time visibility, and reconciliation that takes days. Budgetly gives every employee their own Visa debit card with individual limits, embedded controls, and instant accounting sync.
Sophie Williams
Tom GallagherAustralia's favourite.
99% of businesses stick with Budgetly.
Replace shared cards, reimbursements, and expense reports.
One card passed around the office, reimbursements out of personal accounts, receipts chased at month-end. Each workflow creates its own mess and none of them give finance real-time control. Individual cards with limits set before money moves replace all three.
The old way
- One card, passed around or locked in the safe
- Nobody knows who spent what until the statement arrives
- Credit interest around 20% p.a. and annual fees up to $1,750 per card
- Reimbursements. Expense reports. Personal money fronted every week.
- Reconciling transactions means chasing receipts and approvals
- Freezing a card means calling the bank
With Budgetly
- Every employee gets their own Visa debit card
- Real-time visibility on who spent what, where, and why
- Zero interest. Zero annual fees. Lower merchant fees.
- Budget and policy enforced before the card is approved
- No reimbursements. No expense reports. Ever.
- Freeze any card in one tap from dashboard or app
- APRA-regulated
- Data stays in Australia
- 2FA + SSL encryption
- AWS Sydney ISO 27001 infrastructure
- Live status
How Corporate Cards works
Every employee gets their own card in 30 seconds
Virtual cards issue instantly to Apple Pay and Google Pay. Physical cards arrive in about 3 days via Australia Post. Bulk-issue when you’re rolling out to a whole team.
- Virtual cards ready in 30 seconds
- Physical cards delivered in 3 days, not 2 weeks from your bank
- Bulk issuance from CSV
- Budget and limit templates for fast rollout
- Unlimited users, pay only per active card
- Apple Pay and Google Pay from day one
Sophie Williams
Tom Gallagher
Mei ChenLimits that enforce themselves before money moves
Every card carries its own rulebook. Budgets, categories, merchants, currencies, times. Transactions that break the rules decline at the terminal, not at month-end.
- Monthly, weekly, daily, or per-transaction limits
- Merchant category blocks (alcohol, gambling, crypto, any MCC)
- Currency and country restrictions
- Time-of-day and day-of-week rules
- Approval thresholds with auto-route over $X
- Budgets shared across cards, teams, or projects
Zero interest. Zero debt. By design.
Budgetly issues Visa debit cards. You only spend what you’ve deposited. No interest around 20% p.a., no annual fees up to $1,750 per card, no personal guarantees, no credit checks. Lower merchant fees too.
- Works everywhere Visa is accepted (200+ countries)
- Zero interest or late payment fees
- No credit checks or personal guarantees
- Budget caps prevent overspend, not credit limits
- Wallet instantly topped up from your bank
- RBA's proposed surcharge ban favours debit
Captured at the register, not chased at month-end
The mobile app prompts for a receipt the moment the card is tapped. Forward emails from Gmail or Outlook. Budgetly extracts the merchant, amount, GST, and line items, then matches the receipt to the transaction automatically.
- Snap a receipt at the register, done in seconds
- Email, Gmail, or Outlook forwarding
- GST extracted with 95%+ accuracy
- Auto-matched to the right transaction
- Flags missing receipts and chases the employee
- Compliance-grade audit trail for every purchase
Chatswood NSW
Bunnings Warehouse
$247.80
Transactions arrive coded, GST-extracted, and reconciled
Every card transaction syncs to your accounting software with the merchant name, category, GST, receipt, tracking code, and contact already coded. One-click sync or fully automated.
- Xero, MYOB, QuickBooks, NetSuite, and SAP
- 95%+ coding accuracy out of the box
- Learns from every correction your team makes
- Contacts, tracking codes, jobs, classes supported
- Multi-entity sync for groups and franchises
- One-click or fully automated posting
Officeworks
$184.50
See every card. Freeze any card. Close accounts in one click.
Finance gets a single view of every card, every transaction, and every budget in real time. Budgetly flags unusual merchants, amounts, and velocity. When someone leaves, one click closes everything.
- Real-time dashboard across every card
- Automatic fraud flags with merchant learning
- One-tap freeze from dashboard or app
- Duplicate transaction detection
- One-click offboarding: freeze, transfer, close
- Full audit trail from swipe to ledger
Sophie Williams
Tom Gallagher
Mei ChenEvery card swipe makes the next decision better
Cards are where the system meets reality. Each transaction flows through the loop: budget and policy decide before money moves, Visa executes, the transaction is coded and receipted at capture, and patterns refine the next decision. The more your team uses the cards, the smarter the system gets.
- Every decline teaches the policy engine
- Every approval sharpens the spend baseline
- Every fraud flag improves anomaly detection
- Every coded transaction raises classifier accuracy
- Every month-end gets faster
- Every year compounds your finance ops
What changes when every employee has their own card
Shared cards and reimbursements disappear. Finance gets real-time visibility. Employees get autonomy with guardrails.
Individual cards change how your team works with money
This is not just a cards product. It replaces reimbursements, expense reports, and the gatekeeper role finance has had to play for decades. Employees get autonomy. Finance gets control. [Read why reimbursements are a workflow failure signal](/insights/reimbursements-vs-corporate-cards-better-way-australian-smes/).
- Their own Visa card, not a shared card
- Budget visible in real time on mobile
- Snap a receipt at the register. Done.
- Never out of pocket. Never waiting for reimbursement.
- Card on day one. Ready to work from first shift.
- Real-time visibility across every card
- Audit-ready always. Every transaction traceable.
- Stop being the gatekeeper. Become the enabler.
- One-click card issuance, freeze, and offboarding
- Coded transactions sync to your accounting software automatically
Trusted by teams across Australia
Read verified reviews ➜Awards and recognition
Customer stories
Blacksheep Trading Removes Bank Debit Card Hassle With Budgetly
Read how Blacksheep trading saves hours in expense management and removes the hassle of bank debit cards with Budgetly.
How Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly
Discover how Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly and Xero sync. Read …
How Hillsborough OOSH Saves Time and Achieves Greater Visibility with Budgetly
Budgetly's case study on how NSW childcare provider Hillsborough OOSH saved time and gained control with Budgetly's …
Sanctuary Family Solutions eliminated petty cash and manual admin with Budgetly
'With Budgetly, we now have saved time and solved a lot of the problems we had using petty cash!'
Frequently asked questions
What type of card does Budgetly issue?
Do the cards work internationally?
What's the difference between physical and virtual cards?
Why debit instead of credit?
How do spending controls work?
Can I freeze a card instantly?
How does fraud detection work?
Do transactions sync to my accounting software?
How much do the cards cost?
How quickly can we get started?
Card-level security, designed for finance teams
Every card is individually owned, individually controlled, and protected by the Visa network.
Individual cards, individual accountability
Every card is assigned to one employee. No shared credentials, no shared logins, no mystery transactions at month-end.
PIN and instant freeze
Cardholders manage their own PIN. Finance can freeze any card in one tap from web or mobile, and unfreeze just as fast.
Visa Zero Liability
Every transaction runs through the Visa network with standard fraud protection. Unauthorised charges are covered.
Apple Pay and Google Pay
Add cards to the mobile wallet with device-level tokenisation. The actual card number is never exposed to the merchant.
Regulated issuance
Card issuance runs through regulated banking partners. Budgetly is APRA-regulated for its own financial activities.
Data stays in Australia
All card and transaction data is hosted in AWS Sydney, an ISO 27001, 27017, and 27018 certified infrastructure. Nothing leaves the country.
Replace shared credit cards with individual debit cards.
Every employee gets their own Visa card with built-in controls. Issue cards this week.