Virtual Corporate Expense Cards

Move fast without losing financial control

Virtual cards from Equals give your team the freedom to spend — and your finance team the control to make sure it's always on budget.

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Device compatibility

Virtual cards connect seamlessly with Apple Pay, Google Pay, and Samsung Pay — so your team can tap to pay in person, without waiting for a physical card to arrive.

Complete visibility

Keep your team and department on budget with shared spending limits, transaction limits, Balances, and real-time transaction data.

Defined spending

Business spending via virtual cards has clear purpose, limits, and reporting: quickly create cards to define funds for departments, projects, and more.

Issue cards quickly,
start spending sooner

Create and assign virtual cards in a few clicks — no waiting, no out-of-pocket expenses, no reimbursement requests. As soon as a card is issued, your team can spend.

Individual or Shared — virtual cards for every need

Issue Individual cards tied to a specific person, or Shared cards that a whole team, department, or project can use simultaneously. Every card, every transaction, in one place.

Pay via Apple, Google & Samsung Pay

Add Individual virtual cards straight to digital wallets for in-person, contactless payments — making it easy to spend wherever your business takes you.

Set limits that match your budgets

Attach each card to a Balance with a defined spending limit. Whether it's a department budget or a one-project pot, you decide how much can be spent and when it resets.

Real-time visibility across your business

Access real-time transaction data on the Equals platform, giving finance teams a live view of company-wide spending — without chasing receipts or waiting for statements.

Card limits that flex with your business

Set card limits by transaction, day, or total card spend — and update them as needs change. Whether you're capping a contractor's expenses or scaling up a campaign budget, you stay in control without having to reissue a card.

Build a natural audit trail with virtual cards

When each card has a defined purpose — a supplier, a project, a cost centre — your transactions are already sorted before month-end. No manual tagging required.

Single-use cards for secure online spending

Generate single-use virtual cards for specific, one-off online purchases and close them once payments are made. Your core account details stay out of reach, every time.

Attach receipts & notes at the point of spend

Capture receipts, add categories, and leave annotations against transactions as they happen, so every card transaction can be seen in your account fully documented.

What are
virtual cards?

Virtual cards are digital versions of plastic or metal payment cards you might have in your wallet.

Virtual cards from Equals can take a couple of forms: Individual cards for transactions associated with a specific person and Shared cards for transactions belonging to several people, such as specific teams, departments, or projects.  

Virtual cards are recommended for making any type of payment that you know will always take place online. They can be easily created for whatever purpose your business requires, with the ability to start spending straight away.

Each card can be attached to a specific Balance, a money management feature on the Equals platform, to define budgets, implement limits, and create a natural, granular reporting framework. For example, within your marketing Balance you can have a Shared card for each ad platform your team uses, such as Google Ads or Facebook Ads.

Unlimited users on all plans

Pay monthly

Pay yearlySAVE 17%

BUSINESS

Up to 20 cards

~~£300~~

£250 yearly

SAVE 17%

£25 monthly

Issue up to 20 physical cards
Unlimited platform users
Up to 50 virtual cards - free
Free to use in 20 major currencies
£10 per physical card - one-off fee
Cash withdrawals - £1.50

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BUSINESS PLUS

21-50 cards

~~£420~~

£350 yearly

SAVE 17%

£35 monthly

Issue up to 50 physical cards
Unlimited platform users
Up to 100 virtual cards - free
Free to use in 20 major currencies
£10 per physical card - one-off fee
Cash withdrawals - £1.50

Get started

ENTERPRISE

51+ cards

Custom pricing

Issue more than 50 cards
Unlimited platform users
More than 100 virtual cards
Free to use in 20 major currencies
Custom issuance fees
Cash withdrawals - £1.50

Get started

Our cards platform integrates with Xero

Our platform syncs your Equals transaction data directly into Xero daily, providing a seamless, real-time overview of your finances.

Save time with automatic bank feeds, removing manual, time-consuming imports and allowing focus on more strategic tasks.

Reduce errors by eliminating manual data entry; our integration automatically pushes purchase data to Xero, minimising the risk of human error.

Get real-time control of cash flow with a single view of spending, removing the need for manual statement reports.

Take control of your business spending today

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How we keep your money safe

The money in the payment accounts held with Equals Money PLC is not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations / E-money Regulations. Your money is held in specially designated, safeguarded bank accounts with Tier 1 banks, and is kept separate from our own funds.

Virtual Corporate Expense Cards

Move fast without losing financial control

Device compatibility

Complete visibility

Defined spending

Issue cards quickly,
start spending sooner

Set limits that match your budgets

Build a natural audit trail with virtual cards

What are
virtual cards?