We’re a team of forward-thinkers, innovators and change-makers.
We’re here to help you and your business make money simple.
To look at your transactions, both card spend and payments, please go to the “Transactions” page of your account.
You’ll see a list of your transactions, ordered by date with the most recent at the top.
You’ll see these details about your transactions:
It is possible to view transactions for a specific card, by going to the “Cards” page and selecting a specific card. A panel will appear on the right. Near the bottom of this panel, there is an option to “View transactions for [name on card]”.
This will take you to the transactions page of your account which will be filtered for transactions from that card.
Depending on your role, you may not be able to see all the transactions that your organisation has made. These roles can see all transactions: Owner, Admin, Payer, Viewer, and Accountant.
If you do not have one of the above roles, you will only be able to see transactions from Balances that you are associated with via a Balance role.
You can see the transactions for any Balances that you have one of the following roles on: Balance admin, Balance payer, Balance viewer.
Please click the slider icon at the top right to filter transactions.
You can choose to filter your transactions by:
You’ll see that each transaction has a different status:
Pending: - These could be card transactions that haven’t been fully processed by the merchant, or exchanges. Payments and deposits which have debited a balance but have not been completed yet will also show as pending.Complete: - These could be card transactions that have been fully processed by the merchant, or other types of orders (payments or exchanges) that have been completed.
Declined: - Card transactions that have been declined
Funds required: Transactions that are pending until money is added to funds the transaction.
Needs approval: Transactions that are pending until the spend is approved. This will only appear if your account has the payment approval feature turned on, requiring approval of all outbound payments.
Open: This only applies to forward contracts. Once a forward contract has been booked and the deposit paid, the order will be displayed as open until payment is complete.
It’s also possible to filter for the transactions on a specific card (physical or virtual) by typing the last four digits of the card number into the search bar on the transactions screen.
You can also search for all the transactions you’ve made with a specific merchant or payee, but searching their name in the search car.
Transactions appear in the Transactions screen within seconds. This is the same for cards, payments and transfers.
It's possible to download (export) a statement or a report of transaction activity. Statements can be downloaded for date ranges up to the day before the current date. Today’s transactions cannot be downloaded as the day is not yet complete.
To download, go to the "Transactions" page and click this download icon at the top right of the page:
A statement shows a record of the financial activity of your account, including running balances. It is a formal record for financial reporting. You can get this either as a CSV download or a pdf.
The transaction activity will show you all transactions and events on your account. It does not have a running balance. The download will be a CSV.
It is possible to filter each of these reports to show specific time periods. You can also filter the statement to show you a statement for a specific balance and/or currency.
You can order a card for yourself or a member of your team if you are a Primary Owner, Owner or Admin.
Please log in to your account and go to “Cards” from the menu on the left. If you are on our mobile app, this will be at the bottom of the screen.
Click the “+ Create card” option at the top of the screen.
On the next page, you can choose between ordering a Shared or an Individual card. Shared cards are virtual cards which are not assigned to specific people, they can therefore be shared by departments, project groups or assigned to specific purposes (eg to pay a subscription).
Individual cards can be physical or virtual. Unless you need the card to make transactions in physical stores, we usually recommend virtual cards as they can be issued to you within minutes and their details are always secure on the platform.
Next, you will be asked to give the card a name. We recommend giving your card a name that refers to its intended purpose.
Lastly, please select a team member to approve security notifications for online purchases.
It’s possible to set two types of spending limits:
To set a limit on a card, go to the “Cards” page of your account. You’ll be able to see all the Shared and Individual cards you have access to listed on this page. Select the card you want to set a limit for and a panel will appear allowing you to manage some card settings.
Select the option for spending limits:
You will need to use the slider by “Activate limits on this card”.
Once that has been turned on, you will be able to set a value of the spending limit for that card, and the period that limit should cover:
You also have the option to set a maximum single transaction value, separate from the other limit. This means that no one transaction will be able to go over a certain limit.
Make sure you press “Save” to save the limit.
Attachments allow you to upload documents to give more details on purchases. You may wish to upload receipts, invoices or other documents that give more information about what was expensed. Owners, admins, viewers and accountants can view all attachments on the account. Payers and users can view their own attachments and any from balances they're a user on.
The maximum file size for an attachment is 5MB. You can upload up to 10 attachments per transaction. The accepted file types are jpg, jpeg, png, pdf and eml.
To upload a receipt, first find the transaction you want to attach the receipt to. You can do this by going to the transactions page and using the search function to find the relevant transaction. Once you have found the transaction, click on it, and a panel will appear showing you more information on the transaction. On the panel, there is a box where you can click on “Add attachment” which will allow you to choose files from your system to upload.
You can upload up to 10 attachments per transaction.
If you would like a member of your team to have access to money on your account, you will need to assign them to a balance, or multiple balances, after you create them. To do this go to the "Balances" page of your account.
You can either assign them to an existing balance on your account or create a new one. You can find out how to create a new balance here. Once you have created the new balance, follow the instructions below to assign someone to it.To assign them to an existing balance click the "View" option on the balance tile:
Next click the "Manage" tab and then "Add teams and people":
On the next screen, you will be able to search for a person and assign them to that Balance.
Now that you have assigned the balance, you can order a card which will draw from that balance.
Individual cards are designed to be assigned to a specific named person on your Equals Money account. Individual cards can exist as virtual cards, or you can also request a physical version be posted to you. You can have a maximum of one physical card per person. Individual cards can be linked to multiple shared balances. Please note that if you decide to link a card to multiple shared balances, you cannot set spending limits.
When you make an online payment you may be asked for a security answer. The pop up is headed “Let’s make sure it’s you” and has the Equals Group logo.You need to enter the online payments security answer that you set up when you activated your card. If you haven’t yet set one up, you will see the option to do this under the pending actions on your account page.
Will I be asked for a passcode for every online transaction?No, it is down to the merchant themselves whether they will ask for a passcode. For example, some merchants will request this for each transaction you make with them, whereas others may only request it for high-value transactions, or even not at all.Why do I need to enter a passcode when I make some online transactions with my FairFX card?Mastercard has asked that we (along with other payment providers like us) implement this additional security measure. Requesting passcodes is an excellent way of protecting you against online fraud as it ensures that you are authorising the transaction.Is my passcode the same as my password for my Spend account?No, these are not the same. Your passcode is used when you make transactions online using your Equals Spend card. Your login password is used only when you wish to login in on the Equals Spend website or mobile app. We recommend that you set something different for your password and passcode.I’ve forgotten my passcodePlease sign in to your account on the website to update your passcode.
Go to the "Payments" page of your account and click the "Add beneficiary" tile. We'll ask you for some basic information about your beneficiary. You'll need bank account numbers, along with the name on the account and the address. Adding their email address will ensure an email is sent out to your beneficiary to let them know when you're sending them a payment.Primary Owners, Owners, Admins and payers can all add beneficiaries.
You can edit and delete your beneficiaries directly from your account. While you're on the beneficiaries page, find your chosen beneficiary and click on the three dots at the top right of the box.
You'll be able to edit the purpose of payment, the reference or the beneficiary's email address.
Primary Owners, Owners, Admins and Payers can make payments from the account page.To make a payment, simply go to the "Payments" page of your account and choose the "Make a single payment" option. If you've already saved a beneficiary you can select it, and if not you'll be taken to a screen which will allow you to create a new beneficiary.
You can opt to make a payment with money from your account balance, or you can fund the order directly with a bank transfer. Once you've placed the order for a payment we'll email you a confirmation.
How do I set up an online payments passcode?Please sign in to your account and go to the "Cards" tab. Click on your card number to see its details. Please select the "Create passcode" option and follow instructions to set a passcode for that card. If you have more than one card, you will need to set a passcode for each card.How do I change my online payments passcode?Please sign in to your account and go to the "Cards" tab. Click on your card number to see its details. Please select "Reset Online Payments Passcode" to change the code.Will I be asked for a passcode for every online transaction?No, it is down to the merchant themselves whether they will ask for a passcode. For example, some merchants will request this for each transaction you make with them, whereas others may only request it for high-value transactions, or even not at all.
Why do I need to enter a passcode when I make some online transactions with my Equals Spend card?Mastercard has asked that we (along with other payment providers like us) implement this additional security measure. Requesting passcodes is an excellent way of protecting you against online fraud as it ensures that you are authorising the transaction.
Is my passcode the same as my password for my Equals Spend account?No, these are not the same. Your passcode is used when you make transactions online using your Equals Spend card. Your Equals Spend password is used only when you wish to sign in on the Equals Money website or mobile app. We recommend that you set something different for your password and passcode.
If you want to disconnect from an accountancy integration completely, please sign in and click on your name (or your organisation's name) at the top and choose "Account settings" and then "Accountancy integrations". Click the three dots by your integration and choose "Disconnect account". When the pop-up appears you will need to type "disconnect" to confirm.
You can withdraw up to £2000 over 5 withdrawals within 24 hours. Please note the amount that can be withdrawn at one time is down to the rules of the specific ATM you are using.
Individual cards are ordered for a specific person. All Individual cards start as virtual cards by default, after which you can decide if that card needs to be printed physically and sent to you. The cardholder can also use their individual card with Apple Pay, Google Pay or Samsung Pay. Individual cards can be assigned to, and spend from, more than one multi-currency Balance. The cardholder will be able to choose via their account which of their card Balances they want to spend from.
Shared cards are not ordered in people’s names and should be named after cards in the specific use-case. Shared cards are virtual cards only, which means they can only be used for online purchases. Unlike Individual cards, Shared cards cannot be added to Apple Pay, Google Pay or Samsung Pay. A Shared card to be linked to one multi-currency Balance.
What is Currency Alignment?Currency alignment is an automated process wherein we sell one or more currencies to cover a card transaction. This occurs only when there isn't a sufficient available balance in the specific currency of the transaction, but there is an adequate total equivalent across multiple currencies held in that balance.Which Currencies are Supported by Currency Alignment?Currency alignment is active for 15 out of the 20 card currencies. These supported currencies include GBP, USD, EUR, CAD, CHF, DKK, NOK, SEK, ZAR, PLN, HUF, HKD, AUD, JPY, and NZD. If you make a transaction in one of the remaining five currencies (CZK, RON, TRY, ILS, SGD), you must maintain an available balance in that specific currency on the linked cards. This can be done by either sending funds in that currency or exchanging currencies within the Equals Money platform.
A person can spend from an unlimited number amount shared balances, however, the person and their Individual card will need to be assigned to a shared balance by an Owner, Admin or Balance admin before they can spend any money from that balance. Note, you can only assign an Individual card to one balance if they have an active spending limit.
Go to the Balances page to see the balances you have access to. Click on “View” on the relevant balance tile, and you’ll be taken to the page for that balance. Halfway down this page, there are some tabs, with “Manage” at the end. Here you’ll be able to manage the various features of the balance, and see the account details for that balance.
Go to the Balances page to see the balances you have access to. Click on “View” on the relevant balance tile, and you’ll be taken to the page for that balance. Halfway down this page, there are some tabs, with “Manage” at the end. If you select “Manage”, you’ll see a box headed “Manage currencies”. Click “Edit” on this tile and you will be able to toggle currencies on and off.
Your team may move through different statuses as they set up their account:Created: This means that their profile has been created on the system but they have not yet been invited to the Equals Money platform.Invited: This means they have been sent an invite to create a password and get access to your organisation’s Equals Money account, but they have not actioned it.Invite expired: This means that an invite was sent to this person but it has now expired. Invitations expire after 7 days. Please send them a new one if you still wish them to have access to the account.
You can change your PIN at major bank ATMs that accept Mastercard.
Please select the “PIN Services” option and follow the onscreen instructions.