# Budgetly - Smarter Spend Management — Full Content > Budgetly provides smarter spend management solutions for Australian businesses Budgetly is an Australian B2B SaaS fintech platform for business expense management. It issues Visa debit cards to employees, provides pre-approved budgets, automatically records and categorises transactions, processes receipts, supports accounts payable (bills), and provides reporting for accountants and finance managers. Trusted by 20,000+ users, processing $1.5B+ in payment volume, with a 4.9/5 Capterra rating. --- ## About Source: [About](https://www.budgetly.com.au/about/) --- ## Budgetly Pricing | Expense Management Plans for Australian Businesses Source: [Budgetly Pricing | Expense Management Plans for Australian Businesses](https://www.budgetly.com.au/pricing/) --- ## Compare Budgetly Plans | Essentials vs Premium vs Enterprise Source: [Compare Budgetly Plans | Essentials vs Premium vs Enterprise](https://www.budgetly.com.au/compare-plans/) --- ## Budgetly FAQ | Pricing, Cards, Security & Getting Started Pricing & Plans How much does Budgetly cost? Plans start at $99/month (billed annually) for Essentials, $279/month for Premium, and custom pricing for Enterprise. All plans include unlimited users, you only pay for active cards. See plans and pricing or compare plans side by side. Why is Budgetly priced per card, not per user? Per-user pricing discourages businesses from issuing cards to contractors, part-time workers, or anyone who doesn’t justify a monthly seat fee. Spending still happens, it just goes through reimbursements, petty cash, or shared cards with no visibility. Budgetly charges per card because issuing a card should be instant and frictionless. You can issue a virtual card in seconds, set a one-time budget, and cancel it when the job is done. Unlimited users are included on every plan. Does pricing include GST? All prices listed are exclusive of GST. If you are an Australian business, GST is added to your invoice. Are there any additional fees? Budgetly is transparent about all costs. Beyond your plan subscription and per-card fee ($10/month per card), the following may apply: Fee Amount Virtual card issuing $5 (one-off) Physical card issuing $10 (one-off) Foreign currency transactions 2.99% of transaction value (Essentials & Premium) Declined transaction (insufficient funds) $1 per decline ATM withdrawal, domestic $3 per withdrawal ATM withdrawal, international $5 per withdrawal ATM balance enquiry $0.50 Fraudulent chargeback $50 (industry standard) Merchant surcharges and ATM operator fees are set by the merchant or ATM provider, not Budgetly. Is there a lock-in contract? No. You can choose monthly or annual billing and cancel at any time. Annual billing saves up to 17%. To close your account, contact your Account Manager or create a support ticket. Once transactions have settled, your balance is transferred back to your nominated business bank account. Can I switch between plans? Yes. Upgrades take effect immediately with a prorated credit for the remaining period on your previous plan. Downgrades also take effect immediately, but no prorated credit is applied. To switch from annual to monthly billing, the change is scheduled for the end of your current annual term. Cards & Payments What type of card does Budgetly issue? Budgetly issues Visa corporate debit cards, both virtual and physical. Virtual cards are issued instantly. Physical cards arrive within 3 business days. Can one person have multiple cards? Yes. There is no limit to the number of virtual or physical cards a person can hold. This is useful for separating budgets by project, department, or purpose. Can I use Apple Pay or Google Pay? Yes. Budgetly cards can be added to Apple Pay and Google Pay for contactless payments. The per-transaction limit for mobile wallet payments is $500. Are there transaction limits? Daily spend limit is $60,000 with a maximum of 1,000 transactions. Monthly spend limit is $700,000 with a maximum of 15,000 transactions. … Source: [Budgetly FAQ | Pricing, Cards, Security & Getting Started](https://www.budgetly.com.au/frequently-asked-questions/) --- ## Products ### Financial Visibility for Australian Businesses Real-time dashboards show spend by team, category, and supplier. See all budgets progressing at once. Anomalies flagged before they become problems. Source: [Financial Visibility for Australian Businesses](https://www.budgetly.com.au/product/financial-visibility/) ### Spend Control for Australian Businesses Every transaction is evaluated against budget, policy, and approval rules before money leaves your business. Violations are blocked at the terminal, not discovered at month-end. Source: [Spend Control for Australian Businesses](https://www.budgetly.com.au/product/real-time-spend-control/) --- ## Case Studies (Featured) ### Yes Drive cuts weekly transaction admin from 3-4 hours to under 1 with Budgetly Overview Yes Drive is an Australian vehicle rental business running spend across multiple branches, with 30 staff and a team of managers who buy on the road every week. Before Budgetly, Yes Drive ran on a single shared business card. With branches spread across the country, the finance team could only see spend after the fact, and only once managers handed in their receipts. Every transaction was then categorised by hand and keyed into a spreadsheet before it reached Xero. Source: [Yes Drive cuts weekly transaction admin from 3-4 hours to under 1 with Budgetly](https://www.budgetly.com.au/casestudies/yes-drive-cuts-transaction-admin-from-4-hours-to-1-with-budgetly/) ### Diamond Care Support Services save 5+ hours a week by replacing shared cards and receipt chasing with Budgetly Overview Diamond Care Support Services runs disability support across multiple houses, and the day-to-day spend that kept those houses running had outgrown the process behind it. Shared Commonwealth Bank cards were passing between workers, receipts arrived late or not at all, and every reconciliation was a follow-up exercise. With Budgetly, Diamond Care Support Services replaced shared cards and manual admin with individual spend controls, receipts captured at the point of purchase, and daily … Source: [Diamond Care Support Services save 5+ hours a week by replacing shared cards and receipt chasing with Budgetly](https://www.budgetly.com.au/casestudies/diamond-care-support-services-save-5-hours-a-week-by-replacing-shared-cards-and-receipt-chasing-with-budgetly/) ### Echidna Walkabout streamlines field spending and vehicle hire with Budgetly's flexible Visa debit cards Overview Echidna Walkabout runs nature tours across Australia, with staff regularly working in the field. Before Budgetly, the business relied on a manual bank-card process that was slow to manage day-to-day and gave finance little control over how funds moved between people. After implementing Budgetly, Echidna Walkabout gained a simple, flexible way to allocate spend to the right people at the right time, move card access between staff as roles shifted, and cover essential purchases like … Source: [Echidna Walkabout streamlines field spending and vehicle hire with Budgetly's flexible Visa debit cards](https://www.budgetly.com.au/casestudies/echidna-walkabout-streamlines-field-spending-and-vehicle-hire-with-budgetly/) ### How Astute Living Care replaced post office cards and scaled spend management with Budgetly Overview As Astute Living Care grew to 50 to 60 employees, managing spend with Australia Post cards started to break down. Loading cards in person and keeping everything working for users became a recurring admin burden, and expense tracking became harder to scale. With Budgetly, Astute Living Care replaced manual card top-ups with a spend process that’s easier to run day-to-day, simpler for users, and more scalable as the organisation grows. Source: [How Astute Living Care replaced post office cards and scaled spend management with Budgetly](https://www.budgetly.com.au/casestudies/how-astute-living-care-replaced-post-office-cards-and-scaled-spend-management-with-budgetly/) ### How Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly Overview Align Work Health replaced a messy, manual company spend process, shared director cards, prepaid cards in vehicles, and paper statements, with Budgetly’s controlled cards and Xero sync. The result: fewer missing expenses, far stronger visibility, and hours of admin time saved each week. Challenges Before Budgetly, expense management was a mix of workarounds that didn’t scale: Shared cards and low accountability: One credit card account shared from the directors, a … Source: [How Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly](https://www.budgetly.com.au/casestudies/how-align-work-health-saved-5-hours-a-week-and-eliminated-missing-expenses-with-budgetly/) ### How BB Disability & Health saved lots of time by replacing petty cash with Budgetly Overview BB Disability & Health replaced a patchwork spend process, a shared Woolworths online account, plus credit cards and petty cash, with Budgetly’s all-in-one spend management. The result: less time chasing receipts, easier day-to-day control, and a finance process that can keep up with a 150-person organisation. Challenges Before Budgetly, expenses were managed across multiple channels: Shared Woolworths online account used by the team Credit card + petty cash for management … Source: [How BB Disability & Health saved lots of time by replacing petty cash with Budgetly](https://www.budgetly.com.au/casestudies/how-bb-disability-health-saved-lots-of-time-by-replacing-petty-cash-with-budgetly/) ### How Impact Church Broken Hill gained local visibility and independence with Budgetly Overview Impact Facility Broken Hill moved from a centralised finance model, where the local congregation had zero visibility, to a locally managed spend process with Budgetly. With clear transaction transparency and real-time oversight, the congregation can now make decisions faster, operate independently, and keep momentum as they grow. Challenges Zero visibility for the local congregation. Slow decision-making, because spending questions and approvals had to run through head office. A … Source: [How Impact Church Broken Hill gained local visibility and independence with Budgetly](https://www.budgetly.com.au/casestudies/how-impact-church-broken-hill-gained-local-visibility-and-independence-with-budgetly/) ### National Disability Provider erases theft risk and petty cash chaos Overview National Disability Provider Pty Ltd replaced their high-risk manual cash handling and petty cash system with Budgetly, eliminating the risk of theft and gaining total financial transparency. With over 100 employees, the organisation now manages staff spending through controlled prepaid cards, ensuring client funds are protected and administrative tasks are streamlined. Challenges Before switching to Budgetly, National Disability Provider relied on a “petty cash tin” and … Source: [National Disability Provider erases theft risk and petty cash chaos](https://www.budgetly.com.au/casestudies/national-disability-provider-erases-theft-risk-and-petty-cash-chaos/) ### Bennett and Bennett Erase Spreadsheets and Saves a Day in Admin “I’d recommend Budgetly without a doubt! The cost of using the system is minimal compared to the time we’ve saved and the flexibility we’ve gained.” Darren Chalmers, Partner / Business Operations Manager Overview Queensland-based development consultancy Bennett and Bennett replaced their manual credit card and spreadsheet system with Budgetly, gaining real-time control over company spending and saving a full day of admin each month. With instant card setup, flexible budgets, and automated … Source: [Bennett and Bennett Erase Spreadsheets and Saves a Day in Admin](https://www.budgetly.com.au/casestudies/bennett-and-bennett-erase-spreadsheets-and-saves-a-day-in-admin/) ### Oonah Health and Community Services simplifies reconciliation and card management with Budgetly “It’s an all-in-one solution and very easy to use.” Roslyn Jenkins, Finance Assistant Overview Oonah Health and Community Services provides holistic health and community support programs to Aboriginal and Torres Strait Islander peoples and the wider community. With 21 dedicated staff, Oonah now uses Budgetly to manage expenses efficiently, empowering their team with a streamlined and transparent financial process. Challenges Before Budgetly, Oonah Health and Community Services relied on bank … Source: [Oonah Health and Community Services simplifies reconciliation and card management with Budgetly](https://www.budgetly.com.au/casestudies/oonah-health-and-community-services-simplifies-reconciliation-and-card-management-with-budgetly/) --- ## Blog / Insights (Latest 10) ### Can you pay the ATO with a credit card? Yes. Until 30 June 2027 you can pay the ATO with a credit card, and right now it costs nothing extra. The ATO accepts Visa, Mastercard and American Express through its online services and through Government EasyPay, and its own guidance says card payment fees do not apply to payments. From 1 July 2027 that stops. The ATO has confirmed you will no longer be able to use a credit card to pay it directly. Source: [Can you pay the ATO with a credit card?](https://www.budgetly.com.au/insights/pay-ato-with-credit-card/) ### The #1 Invoice Scam Costing Australians $166.8 Million Invoices do not need to be fake to steal your money. The most dangerous ones are real. A common fraud pattern is simple. A legitimate supplier bill gets intercepted, the bank details on the invoice are altered, and it is sent on to your team looking completely normal. Same supplier name. Same invoice number. Same line items. Only the account and BSB have changed. When it works, it is because it fits inside an everyday workflow. Accounts payable receives an invoice, matches it to the purchase, … Source: [The #1 Invoice Scam Costing Australians $166.8 Million](https://www.budgetly.com.au/insights/number-1-invoice-scam-costing-australians-166-million/) ### Rates Are at 4.60%. Your Payables Are a Funding Decision Now What the fourth rise of 2026 means for SME cash, debt and supplier terms The fourth rate rise of 2026 has a simple effect that many SME leaders underestimate. It turns everyday working capital choices into explicit funding decisions. At 4.60 percent, the cost of cash has a weight again. Not theoretical. Not a treasury problem. A line item you feel every week. For years, many businesses could treat supplier terms as a set and forget admin setting. Pay when due, stretch when needed, tidy it up … Source: [Rates Are at 4.60%. Your Payables Are a Funding Decision Now](https://www.budgetly.com.au/insights/rates-at-460-payables-funding-decision/) ### Best Expense Reimbursement Software in Australia (2026) Your team is still paying for work expenses out of their own pockets, then waiting for the business to pay them back. Someone photographs a receipt, fills in a claim, waits for approval, and the money lands a fortnight later. Finance keys it in, codes it, and reconciles it at month-end. If you are shopping for expense reimbursement software, you want that cycle to hurt less. This guide compares the reimbursement software Australian SMEs actually consider, what to check before you buy, and one … Source: [Best Expense Reimbursement Software in Australia (2026)](https://www.budgetly.com.au/insights/best-expense-reimbursement-software-australia/) ### Invoice fraud: the biggest risk to your NFP's funds A fraudulent invoice can be created in seconds. It arrives looking exactly like one you were expecting, from a supplier you know, for an amount that seems right. The only thing that’s changed is the bank account. Pay it, and the money is gone. For not-for-profits, this is the single biggest financial risk right now. You handle grant funds, donor money, and participant funds, often with a lean finance function and a lot of trust. That combination is exactly what invoice fraud targets. Source: [Invoice fraud: the biggest risk to your NFP's funds](https://www.budgetly.com.au/insights/invoice-fraud-not-for-profit-protect-your-funds/) ### Real-world NFP budgets: ownership that doesn't go stale Most not-for-profit budgets are wrong within three months of being approved. Not because the people who built them got the numbers wrong, but because the budget was built to be filed, not used. The usual process looks like this. You take last year’s actuals, add a percentage, build it in a spreadsheet, present it to the board, and file it. From that moment it starts drifting. A staff member leaves. A grant lands two months late. Costs rise. By the time the board reviews the quarterly … Source: [Real-world NFP budgets: ownership that doesn't go stale](https://www.budgetly.com.au/insights/real-world-nfp-budgets-accountable-budget-ownership/) ### Small spend is where margin quietly disappears Not in one dramatic decision. In the steady drip of low value purchases that feel harmless in isolation, and become material when your team grows. A twenty person business can run on informal judgement. A one hundred person business cannot. The spend volume is too high, the number of decision makers is too broad, and the context around each purchase is too thin. What used to be “a quick buy to keep things moving” becomes a pattern that erodes margin without anyone noticing until the … Source: [Small spend is where margin quietly disappears](https://www.budgetly.com.au/insights/small-spend-is-where-margin-quietly-disappears/) ### Expensify Alternative for Australian SMEs: Budgetly Compared Expensify is one of the best-known expense tools in the world. Millions of users, a slick receipt-scanning app, and a strong global brand. If you’re an Australian SME weighing it up, or already using it and feeling friction, the question isn’t whether Expensify is capable. It’s whether a US-built platform is the right fit for an Australian finance team. Here’s the short version. Expensify is a US-origin, receipt-and-reimbursement product built for a global (primarily … Source: [Expensify Alternative for Australian SMEs: Budgetly Compared](https://www.budgetly.com.au/insights/expensify-alternative-australian-smes/) ### ProSpend Alternative for Australian SMEs: Budgetly Compared ProSpend is a capable platform. Expenses with auto-coding, virtual cards, AP automation, purchase orders, travel management, live budgets, FBT tooling, and 30+ ERP integrations. If you’re a mid-market or larger organisation with a procurement team and a travel programme, it has real depth. So when does an Australian SME choose Budgetly over ProSpend instead? Two reasons come up most: pricing transparency and fit for a smaller team. Here’s the short version. ProSpend is custom-quote … Source: [ProSpend Alternative for Australian SMEs: Budgetly Compared](https://www.budgetly.com.au/insights/prospend-alternative-australian-smes/) ### RedOwl Alternative for Australian SMEs: Budgetly Compared RedOwl is an impressive platform. Agentic AI for accounts payable, pre-transactional intelligence that validates every transaction before money moves, real-time policy enforcement, and a modular design across AP, procurement, spend and policy. It’s a 2026 Finnies finalist in four categories. It’s also built for a different buyer than Budgetly. Here’s the short version. RedOwl positions itself as “real-time governance for the Office of the CFO”, aimed at controllers, … Source: [RedOwl Alternative for Australian SMEs: Budgetly Compared](https://www.budgetly.com.au/insights/redowl-alternative-australian-smes/)