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 Xero sync. Debit, not credit. You only spend what you've deposited.
Issue cards for your team this week ➜
Australia's favourite.
Trusted by organisations managing distributed teams and multiple budgets.
Visa debit, not credit. That's a deliberate choice.
Credit cards come with interest rates around 20%, annual fees up to $1,750 per card, personal guarantees, and merchant fees of 1-1.5%. Budgetly issues Visa debit cards. No interest. No debt. No credit checks. No personal guarantees. Works everywhere Visa is accepted, in any country, online and in-store. With the RBA's proposed surcharge ban favouring debit, this is the direction Australian businesses are heading.
What changes when every employee has their own card
Shared cards and reimbursements disappear. Finance gets real-time visibility. Employees get autonomy with guardrails.
Every payment goes through the control loop.
Budget checked. Spend limits enforced. Category restrictions applied. Every card payment is decided before it’s approved, executed via the Visa network, recorded by Bookkeeper AI (coded, categorised, receipt-attached), and learned from to improve the next decision. The same loop applies whether the payment is made with a physical or virtual card.
“Before Budgetly, we had no credit cards or easy process for staff to make purchases. That isn’t a problem anymore. Our business maintains control and we only ever spend what we can afford.” — Colleen Jeffery-Court, CEO, Master Painters Australia NSW
See real-time spend control ➜
Physical or virtual. Your team chooses.
Some teams prefer a card in their wallet. Construction crews, NDIS support workers, and field teams often choose physical cards. Other teams prefer everything on their phone via Apple Pay or Google Pay. Both options work online and in-store. Both have the same controls, the same visibility, and the same Xero sync. The difference is personal preference, not capability.
See virtual cards ➜
Instant freeze, fraud detection, central monitoring.
Lock any card instantly from the dashboard or mobile app. Budgetly flags unusual transactions and new merchants automatically. Finance sees every card, every transaction, and every budget in one view. If something looks wrong, freeze the card in one tap. No calling the bank. No waiting.
Start free trial ➜
Trusted by teams across Australia
Read verified reviews ➜Awards and recognition
Most companies still manage spending the hard way.
Finance teams are expected to control spending, but the tools they use were never built for it. Staff share corporate cards, receipts arrive weeks late, reimbursements are manual, budgets live in spreadsheets, and bookkeepers reconstruct reality after transactions occur.
Modern companies manage spending before it happens.
Instead of reacting to expenses after the fact, finance teams now control spending at the moment it occurs. Budgetly enables this shift. Spending rules, budgets, cards, and expense capture operate inside a single platform, giving finance teams live visibility and control.
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 Xero?
How much do the cards cost?
How quickly can we get started?
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!'
Replace shared credit cards with individual debit cards.
Every employee gets their own Visa card with built-in controls. Issue cards this week.
Start free trial ➜