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Business Credit Card Alternative

Prepaid business cards: The company credit card alternative

Unlike company credit cards, Equals Money enables real-time oversight and custom spending limits per card.

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Total visibility

With real-time transaction data and separate budgets, get visibility over business-wide spending.

Complete control

Keep your team on budget with customisable spend and transaction limits.

No credit checks

Instantly activate unlimited virtual cards and empower your employees to start spending straight away.

We’re already helping over 30,000 companies

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A smart alternative to company credit cards

Experience greater control and flexibility with our company credit card alternative. Set spending rules, monitor transactions in real-time, and avoid the pitfalls of traditional credit—all within a powerful platform designed for modern businesses.

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The company credit card alternative

• Improve cashflow visibility and empower employee spending.

• Know exactly what your teams are spending with real-time transaction data.

• Increase staff autonomy with no individual credit checks for employees. Identity and residence verification may be required.

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Our cards platform integrates with Xero

Our platform syncs your Equals Money 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.

Pricing

Charity & Non-profit

£0

per year
A helping hand
We waive our annual account fee for charities & non-profits to help them get started.
  • Unlimited users, no monthly fees
  • £10 per physical card
  • Free virtual cards
  • Free to use in 20 major currencies
  • Cash withdrawals - £1.50
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Business

£50

per year
The perfect plan for SMEs
An Equals Money account grants you access to all our exclusive expense management tools.
  • Use up to 100 physical cards
  • Unlimited users, no monthly fees
  • £10 per physical card
  • Free virtual cards
  • Free to use in 20 major currencies
  • Cash withdrawals - £1.50
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Recommended
Business Plus

Custom

per year
We’re flexible
We offer a customised account setup for large businesses and unique business requirements.
  • Use over 100 physical cards
  • Unlimited users, no monthly fees
  • Custom card issuance pricing
  • Custom virtual card pricing
  • Free to use in 20 major currencies
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Key features

Empowering team spending

Load 20 different currencies, and get unlimited multi-currency prepaid cards, with no monthly fees.
Reduce the risk of misuse and fraud, with real-time data and custom transaction and spend limits.
Empower every member of your institution to spend, with no individual credit checks for employees.

Simplify your business spending today

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How we keep your money safe
Because Equals Money accounts don’t fall under FSCS, your money is protected via safeguarding. We hold your funds in specially designated, safeguarded bank accounts, which keep them separate from our other assets. Please see FAQs for more information.
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Equals Money PLC is registered in England & Wales No. 05539698. Equals Money PLC is part of Equals Group PLC (Registered in England & Wales No. 08922461). Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Money PLC is authorised by the Financial Conduct Authority to provide payment services (FCA No. 488396). Equals Money Cards are issued by Equals Money International Limited pursuant to license by Mastercard International Inc. Equals Money International Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900493). Equals Spend Cards are issued by Valitor Limited pursuant to licence by Mastercard International Inc. Valitor Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900688). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.