Carol R
Director
NDISVerified · CapterraBudgetly saves me 2 hours a day in accounting time. I used to have to reconcile and enter transactions. It works seamlessly with Xero and if there ever is an issue I can count on the team to help me out.
Looking for a prepaid card alternative?
Your prepaid card runs dry. Budgetly cards don't.
Budgetly issues a real Visa business debit card in 30 seconds. No credit check, no balance to preload, just a budget you set once and the card enforces on every transaction.
Start free trial ➜
- No preloading required
- No limits
- Unlimited users
- Unlimited payments
- Unlimited support
- Unlimited receipts
You picked a prepaid card to skip the bank hassle. It's created a new one.
No credit check, no waiting on a bank, just a card you can hand to your team. Then someone has to remember to top it up, track what’s left, and cover it personally when a balance runs dry mid-purchase. Budgetly issues a real Visa business debit card in 30 seconds, no credit check, no preloading. Set the budget once and the card enforces it, so nobody’s stuck watching a balance.
Prepaid card vs. Budgetly Visa debit card
Prepaid cards work by loading a balance upfront. Budgetly cards draw from your Spend Account in real-time, with budgets and controls built in, so there's nothing to preload or top up.
| Feature | Prepaid card | Budgetly |
|---|---|---|
| Preload a balance before you can spend | ✓ | ✗ (not required) |
| Credit check to issue a card | Varies | ✗ |
| Real-time budgets and spend controls | ✗ | ✓ |
| Instant virtual card issuance | Varies | ✓ |
| Automatic sync to Xero, MYOB, QuickBooks | ✗ | ✓ |
| Unlimited employee cards | ✗ | ✓ |
Trusted by Australian businesses
$1.5B+
Payments processed
Total payment volume processed through the Budgetly platform2M+
Transactions
Transactions processed by Budgetly users20,000+
Users
Employees across Australia using Budgetly cards80%
Less time on admin
Up to 80% reduction in manual processing time99%
Customer retention
Customers who stay with Budgetly year over year4.9/5
Capterra rating
Based on 132 verified reviews from real customersAustralia's favourite.
99% of businesses stick with Budgetly.
Why teams switch from prepaid cards
Issue cards to your team in seconds
Give every employee their own virtual or physical Visa card instead of sharing one company card between them. Issue a new card in about 10 seconds.
Track every transaction in real-time
See who spent what, where, and when across your entire team. Spot budget overruns before they become a problem, with real-time dashboards and instant notifications.
Sync to Xero automatically
Every transaction, receipt, and budget allocation flows straight into Xero. One-click reconciliation means your books are always up to date without manual data entry.
We issue cards instantly, set spending rules, and send transactions to Xero in one click.
Frequently asked questions
Does this work for casual or irregular staff?
Yes. Issue a virtual card in about 30 seconds for any casual or irregular staff member, with a budget set to what they need, no preloading required. Cancel it the moment they finish up, with no lock-in contract.
What happens if a card is lost?
Freeze it instantly from the app if it's just misplaced. If it's lost or stolen, block it straight away and it can't be used for any transaction. A virtual replacement is ready in seconds while a new physical card is on its way.
How is this different from the prepaid card it's replacing?
A prepaid card needs a balance loaded before anyone can spend, and someone has to track and top it up. A Budgetly card draws from your Spend Account in real time against a budget you set once, so there's no balance to preload, no top-ups to manage, and no card left sitting empty mid-purchase.
Trusted by teams across Australia
Read verified reviews ➜Budgetly puts Visa business debit cards in your team's hands, fast.
Issue virtual and physical cards, set budgets, and track everything in real-time.
Start your free trial- No credit card required
- Set up in 1-3 days
- No lock-in contracts