Zeller Corporate Cards in Australia. The fees and need-to-knows

Roberto Efflandrin

If you’re the owner of a business or run the finances of one, you might be considering business debit cards. These cards are usually connected to the business’s bank account and can help manage business finances.

Zeller offers Zeller Corporate Cards as its business debit card offering. This article will give you some information on Zeller Corporate Cards, the features, cons, limits, the process of getting one, and more. You’ll also find how its fees fare against Wise Business Card.

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What is the Zeller Corporate Card

Zeller launched Corporate Cards in December 2023 to manage business expenses, track employee and project-related spending, and reconcile accounts.

Zeller Corporate Cards are employee debit cards linked to the Zeller Transaction Account. They help allocate set budgets and limit the risk of unauthorised transactions.¹

Who is this card for?

Zeller Corporate Cards can be useful to all kinds of businesses, be it large companies or smaller enterprises. Small business owners, CFOs, finance teams, bookkeepers, and accountants can all consider Zeller Corporate Cards to manage business expenses.¹

What are the main features and benefits of this card

Here are some features of the Zeller Corporate Cards¹:

  • Issue cards easily: You can create virtual corporate cards instantly or order physical ones easily.
  • Virtual cards: Zeller offers virtual corporate cards that can be issued instantly and added to mobile wallets. Employees can start using these virtual corporate cards within minutes of being set up.
  • Recurring budgets and transaction limits: Zeller Corporate Cards allow you to set an automated recurring budget for expenditures. You have the option to have the budget reset daily, fortnightly, monthly or quarterly. You can also implement transaction limits.
  • Expense reconciliation: Employees and teams can attach receipts, notes and invoices to expenses. Project expenses can be categorised to make reconciliation easier.
  • Real-time data access: You’ll have access to real-time data of the transactions so you can stay updated on the expenses, see the remaining budget, and adjust the schedule and transaction limits as needed.
  • Better flexibility and control: Zeller Dashboard allows for centralised expense tracking which eliminates the need for manual reimbursements.
  • Manage teams and projects: Zeller Corporate Cards can be issued to individual employees with their own set budget. You can also assign them to teams working on projects to ensure the budget is followed and there’s expense accountability.
  • Simplify employee expenditure: The set budget and transaction limitations eliminate the need to make constant personal expense submissions or requests for purchases. The corporate cards can also make employee reimbursements redundant since the funds are drawn directly from the Zeller Transaction Account where you can track the cash flow in real-time.
  • Fraud protection: Issuing corporate cards to employees and teams can improve your business’s fraud protection. Since you get a real-time view of the card usage both from Zeller’s dashboard and its app, you can quickly identify any expenses that don’t follow the guidelines.

The cons of using this card

No product comes with only benefits. Here are some cons of Zeller Corporate Cards that you should keep in mind:

  • Usage dependent on balance in Zeller Transaction Account: Zeller Corporate Cards are linked to the transaction account. So, the availability of funds depends on the balance available in the account. If there’s a delay in transferring funds into the account, you won’t be able to make any purchases.²
  • No cashbacks or rewards: Since Zeller Corporate Cards are business debit cards, you don’t receive any rewards for your business spending. On the other hand, some business credit cards issued by banks like National Australia Bank offer rewards, cashbacks and/or points to loyalty programs.³

What are the supported currencies

Zeller Corporate Cards are Mastercard debit cards that can be used in Australia and abroad wherever Mastercard is accepted.

When you purchase from a merchant overseas, the transaction will be processed in the local currency and then converted into Australian dollars as per Mastercard’s exchange rates at the time.⁴

What are the fees for this card vs the Wise Business card

Wise also offers business debit cards for business expenses that can be tracked in real-time. Here is how Zeller Corporate Cards and Wise Business card fees fare against one another:

Zeller Corporate Card* Wise Business card*
Card fee¹ AUD$9 per active card, per month (free until 1 April 2024) First card free (though the Wise Business account costs 22 AUD 1-time fee), AUD$6 one-time cost for each card thereafter
Domestic transaction fees¹ AUD$0 AUD$0
Foreign exchange fee 1.69% + AUD$0.79² From 0.43%
Max limit on card AUD$25,000 transaction limit⁵ AUD$78,750 monthly spending limit⁶
Digital card available? Yes Yes

18 February 2024

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

What exchange rate is used by the Zeller Corporate Card

When you use a Zeller Corporate Card for a transaction in a currency other than AUD, the payment is processed in the local currency and then converted into AUD. The foreign exchange fee applied is 1.69% + AUD$0.79.²

With the Wise card, you get the mid-market exchange rate.

The limits you get with this card

Zeller Corporate Cards come with a maximum transaction limit of AUD$25,000.⁵

How do you get a Zeller Corporate Card

Here’s how you can order a Zeller Corporate Card as a verified Zeller Account holder⁷:

  1. Log in to your Zeller Dashboard and navigate to ‘cards’ from the menu.
  2. Click ‘add card’, then create ‘new card’ and select ‘corporate card’.
  3. Choose who you’d like the cardholder to be from the user list.
  4. Select the Zeller Transaction Account you’d like the card to be linked to.
  5. Select the type of card you’d like to order — virtual or physical.
  6. Configure the spend management controls as per your requirement.
  7. Finally, select the card colour, confirm delivery address and review your details.

For your employees or team members to be able to become assigned cardholders, you’ll need to first add them as a user via the Zeller Dashboard.

Read more: Zeller Transaction Account in Australia

What are the eligibility requirements for getting this card

You’ll need to fulfil the following eligibility requirements to be able to get a Zeller Corporate Card²:

  • Be an Australian citizen
  • Be a verified member with a Zeller Account
  • Be 18 years of age or older or a company

How long does it take to get the card

If you’ve ordered a physical card, it’ll arrive at the designated address within 5-10 business days.⁷

If you’ve opted for a virtual card, it’ll be issued immediately. The assigned team member will receive an email asking them to set their PIN and they will be able to begin transacting right after.⁸

How to load and use the card

Zeller Corporate Cards are linked to the Zeller business transaction account and the funds are drawn from the account.¹

What else do I need to know?

The spending limits or recurring budgets have scheduled reset windows. You should be aware of this schedule to ensure that your card has enough budget to conduct necessary transactions. The reset windows, based on your registered business address timezone, are as follows⁵:

  • Daily reset at midnight each day
  • Weekly reset at midnight every Sunday
  • Fortnightly reset at midnight every second Sunday
  • Monthly reset on the first of every month
  • Quarterly reset at midnight on the first of January, April, July and October

Zeller contact details

Zeller can be contacted via call, SMS or email between 9AM to 1AM AEST throughout the week.

  • Phone: 1800935537
  • Email: support(at)myzeller.com (replace (at) with @)
  • SMS: 0437935537

The customer support team is also available to chat on social media Monday to Friday, 9AM-5PM AEST. You can send a tweet on X or post a question on Facebook.

Wise Business Account and Debit Card

Streamlined and hassle-free, the Wise Business Account with linked debit card delivers an all-in-one solution for businesses.

At home or abroad, you can shop online or in-store via the Mastercard network and make easy ATM withdrawals using the Wise business debit card. With no monthly fees, hefty rates or hidden charges, Wise makes it easier to spend, send and receive funds.

Manage your money via your local Australian account while also benefiting from access to accounts in over 9 major currencies.

Access additional cards for your team as needed and pay a single fixed card-creation fee per card with no monthly fees applied.

Able to integrate with most major APIs, the Wise Business Account also facilitates better cash flow management and consistent, reliable reporting across all additional cards.

Find out more about how the Wise Business Account can save you time and money.

Register your Wise business
Account in minutes

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.


  1. Zeller Corporate Cards
  2. Zeller Product Disclosure Statement
  3. NAB Business credit cards
  4. Zeller Using Zeller Mastercard overseas
  5. Zeller What are Zeller Corporate Cards?
  6. Wise Spending limit
  7. Zeller How do I order a Zeller corporate card
  8. Zeller How do I create a virtual corporate card

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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