Prepaid Visa card alternative for Australian businesses

A better alternative to prepaid business cards.

Give your team physical and virtual Visa business debit cards with budgets you control. Fund one Budgetly Spend Account, set spending limits and track purchases in real time, without loading money onto each card.

Book a demo Start 14-day free trial

A 30-minute walkthrough of cards, budgets and controls with our Australian-based team.

Free trial: no credit card required. Cards and live spending require a paid plan and approval.

Business plans from A$99/month, billed annually, excluding GST.

  • No card-by-card top-ups
  • Flexible team budgets
  • Physical and virtual Visa cards
A Budgetly Visa Business Debit card beside a phone running the Budgetly app, showing the card's Marketing Team budget with $3,184.77 spent and $11,815.23 available
The card your team uses, and the budget that sets what it can spend.

Strive Community Care reported saving up to 40 hours a month on expense administration after switching to Budgetly. See what changed for their team

How it works

One funded account. Budgets for the way your business works.

Put company funds into your Budgetly Spend Account, then decide how your team can use them. Cards access those funds within the budgets and limits you set.

  1. Company funds Budgetly Spend Account A$20,000
    Step 1

    Fund your Spend Account

    Transfer money from your verified business bank account into Budgetly.

  2. Spending limits
    • Operations Shared by the team A$5,000/month
    • Office Supplies For each member A$300/month
    Step 2

    Set team budgets

    Organise spending by team, project or location, with shared or individual limits.

  3. Card purchase
    • Officeworks Office Supplies budget A$42.80
    Step 3

    Spend and track

    Your team uses its cards, while finance sees transactions against the relevant budgets.

Figures are examples. Your Spend Account needs sufficient funds, and purchases must stay within the applicable budget and card limits.

Budgets

Adjust spending access as your team's needs change.

Set budgets for teams, projects or locations, then adjust limits when plans change. Use shared limits where spending is pooled, or individual limits where each person needs a defined allowance.

  • Shared limits for pooled spending
  • Individual limits for each member
  • One-time, weekly or monthly budgets
  • Edit limits and members as plans change
Budgetly Visa business debit cards beside the Budgetly app, showing a card's Marketing Operations budget with $84.77 spent and $2,115.23 available
Visibility

See card spending without reconstructing it later.

See purchases as they appear in Budgetly, with the cardholder, merchant and transaction details together. Review spending against the relevant budget instead of piecing it together from separate records.

  • Cardholder, merchant, budget and amount on each transaction
  • Filter transactions by user, budget or date
Budgetly dashboard's Real time spend panel showing the latest card purchases: $220.00 at LearnX Live! Awards two minutes ago, $2,371.70 via PayPal and $640.25 at CallRail
The dashboard shows the latest card purchases as they come in.
Receipts and accounting

Keep receipts and accounting connected to the purchase.

Staff add receipts to purchases in the app. Finance reviews the records, syncs transactions to Xero or exports them for other accounting software.

See how the Xero integration works
Budgetly app showing a digital Visa business debit card's transactions, with an Add Receipt button on a $302.50 CallRail purchase
  • ReceiptsStaff add the receipt to the purchase in the app
  • XeroDirect integration: transactions sync with their receipts
  • MYOB, QuickBooks and othersExport transactions as CSV to import
Comparing options

Comparing prepaid cards? Look beyond the card itself.

The right setup depends on how your business funds spending, controls access and handles the records afterwards. Here is what to check.

What to checkHow Budgetly works
How is spending funded?Cards access funds in the business’s Budgetly Spend Account.
How is access controlled?Budgets can have shared limits or individual member limits.
What happens after a purchase?Transactions and uploaded receipts can be managed together.
How does accounting work?Direct Xero integration, with CSV exports for other supported workflows.
What am I paying for?A business subscription with an included card allowance, plus applicable additional-card and usage fees. See plans and fees.
Customer story

A clearer card setup for a team working across multiple locations.

Strive Community Care

Residential care and outreach provider in Queensland, with a weekly budget for each house

Before

  • Preloaded cards from two providers that staff couldn't tell apart
  • No live view of spending against each house's budget
  • No mobile app, so receipts were hard to collect
  • Slow support, with no phone option

With Budgetly

  • Cards showing each cardholder's name
  • Transactions visible to finance as they happen
  • Flexible budgets for each house
  • Receipts photographed and uploaded in the app

Reported result

Up to 40 hours

a month saved on manual expense management

“The biggest risk for us was being unable to track spending across budgets. But with Budgetly, we saved 5 to 10 hours per week across the organisation.”

Ryan Dempsey, Co-Founder and Director, Strive Community Care

See how this would work for your team.

Book a demo Read the full Strive Community Care story

Results as reported by Strive Community Care in its 2022 case study.

Start with the setup that fits your business.

Talk your card requirements through with our team, or explore Budgetly on your own first.

  • Talk through your card requirements

    Book a 30-minute walkthrough with our Australian-based team to discuss your team, spending arrangements and the controls you need.

    Book a demo

  • Explore the software yourself

    Start a 14-day trial to explore Budgetly, create budgets and add your team.

    Start 14-day free trial

The trial is a software evaluation. Cards and live spending start once you’re on a paid plan and your business is approved.

Getting to live spending

  1. Choose a plan

    Card and payment access starts with a paid subscription. Compare the plans.

  2. Complete verification

    Complete the business and identity checks that apply before cards can be issued. You can keep setting up budgets and users in the meantime.

  3. Fund your Spend Account

    Transfer money from a bank account in your business’s name. Allow up to three business days for your first transfer to arrive.

  4. Arrange the cards you need

    Create virtual cards and order physical cards for the people who need them, then link each card to its budget.

Pricing

Essentials

A$99 per month, billed annually

Excludes GST. Monthly billing is also available at A$119 a month.

Included in Essentials

  • 4 physical or virtual cards
  • Unlimited users
  • Spending budgets
  • Receipt capture
  • Xero integration

What changes the cost

  • Additional cards. Users are unlimited, but each card beyond the four included is A$10 a month.
  • Card and usage fees. Card issuance, delivery and applicable usage fees are additional.

Not sure how many cards you need? Talk it through with us.

Book a demo Start 14-day free trial See plans and fees

Questions about Budgetly cards

Is Budgetly a prepaid card?
Budgetly provides Visa business debit cards linked to a Budgetly Spend Account. Your business transfers funds into that account, and the cards access those funds instead of each holding a separately loaded balance. Budgets then control how much each team or person can spend.
Do we still need to add money before spending?
Yes. Your business funds its Spend Account before the cards are used. The difference is that you manage funding in one place, rather than loading each card separately. Funding and budgets are separate: increasing a budget doesn’t transfer money into the account, and a funded account doesn’t override a budget or card limit.
Can several people use the same budget?
Yes. A budget can have a shared limit for everyone in it, or individual limits for each member, so you can organise spending around how your team works. Sharing a budget doesn’t mean sharing a card: members can spend from the same budget on their own cards.
Can I use Budgetly as a personal prepaid or gift card?
No. Budgetly is designed for business spending, not personal prepaid-card or gift-card use. Business eligibility and verification requirements apply.
Can we issue cards during the free trial?
No. The trial lets you explore the software, configure budgets and add users. Cards and live transactions aren’t included in the free trial; they require a paid plan and the applicable approvals. See the Free Trial Terms and Conditions. If you’d like to see the cards and controls working before you decide, book a demo.
Does Budgetly work with our accounting software?
If you use Xero, connect it directly and map your categories to your chart of accounts, then sync transactions with their merchant, account and receipt. If you use MYOB, QuickBooks or other accounting software, export your transactions as a CSV file and bring them in through that software’s import process. See how the Xero integration works.
What happens if a card runs out of budget or is lost?
These are two different situations. If a purchase is more than the budget has available, it’s declined, and finance can review the budget and adjust its limit if that’s appropriate. If a card is lost, freeze it in Budgetly so it can’t be used. If it doesn’t turn up, cancel it and arrange a replacement, and our Australian-based support team can help.

Give your team spending access you can control.

See how Budgetly's cards, budgets and expense records would work for your business. Book a walkthrough with the team, or start a software trial.

Book a demo Start 14-day free trial
30-minute walkthrough with our Australian-based teamNo credit card required for the trialCards and live spending require a paid plan and approval