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.
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.
Trusted by businesses operating at global scale
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
Up to 20 cards
- Issue up to 20 physical cards
- Unlimited platform users
- Up to 50 virtual cards — free
- Free to use in 21 major currencies
- €10 per physical card — one-off fee
- Cash withdrawals — €1.50
21–50 cards
- Issue up to 50 physical cards
- Unlimited platform users
- Up to 100 virtual cards — free
- Free to use in 21 major currencies
- €10 per physical card — one-off fee
- Cash withdrawals — €1.50
51+ cards
- Issue more than 50 physical cards
- Unlimited platform users
- More than 100 virtual cards
- Free to use in 21 major currencies
- Custom issuance fees
- Cash withdrawals — €1.50
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
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.
How we keep your money safe
Because Equals doesn't fall under a Deposit Guarantee Scheme, your money is protected via safeguarding. We hold your funds in specially designated, safeguarded bank accounts, which keep them separate from our other assets.
Find out more