Moss Credit Card Review (UK 2025)

Moss offers a broad range of products and services, aiming to digitise the expense management of small and medium-sized businesses in the UK. You can use Moss as an end to end provider for all your expense management needs, or pick out the components you need for your specific business, including Moss business credit cards which can make it easier for team members to manage business spending and reconciliation.

This Moss credit card review looks at what you can do with the Moss corporate credit card, the costs you should know about, and how to get one.

If you’re managing your business across currencies, you may also want to take a look at Wise Business, for powerful multi-currency account to hold and exchange 40+ currencies, and international debit cards you can use in 150+ countries.

💡 Learn more about Wise Business

What is Moss card and how does it work?

Moss is headquartered in Germany and offers services in various countries of the EU, as well as the UK. Moss is an established business with 250+ employees - in fact, customers have already used the service to issue over 300,000 corporate Moss cards.

Moss aims to simplify and digitise the expense management operation for SMEs, keeping everything in one place to reduce the risk of human error and cut down on administration time. There are various Moss expense modules you can choose, so you can design your own package depending on the size, stage and needs of your own UK business.

This guide focuses on the Moss business credit card¹, including the features and fees you can expect. The Moss card is available even to customers who select the Moss pay as you go ‘Starter’ plan, making it a relatively low risk option to test the water before you trade up to add in other Moss services.

If you like the Moss interface, you could also consider adding in the following modules for your business:

• Employee reimbursements
• Accounts payable
• Advanced controlling
• Advanced accounting
• Procurement
• ERP

Let’s dive right into our Moss credit card review so you can decide if it’s the right product for you.

Is Moss a safe provider?

Yes. Moss issues its card and e-money products in partnership with regulated e-money institutions, which means they are safe to use.

Moss ensures its partners adhere to high regulatory standards regarding safeguarding of customer funds, and data protections. In addition to this, Moss has safety built into its operations as a standard. There are anti-fraud protocols running all the time, and Moss cards can be centrally blocked if there is any concern of fraudulent activity. Once you’ve checked everything is OK, you can simply unfreeze the card in your app if you need to.

Moss credit card review

In this Moss credit card review we'll look at the features, limits, fees and customer service you can expect from Moss, so you have an idea whether or not they’re the right provider for you.

Trustpilot is another great source of Moss credit card reviews, with live customer feedback aggregated to show an average score. At the time of research, Moss scores 3.6 out of 5 stars on Trustpilot^², for an Average score. Keep an eye on the Trustpilot page to learn more about their customers’ experience as more reviews are posted.

Moss credit card key features

Moss cards can be issued as physical cards, virtual cards, one time usage cards, and subscription cards, allowing you to be flexible about the types of cards you create and issue for your team. Even the most basic Moss plan offers unlimited card issuing, and you’ll be able to set and manage all the controls on a card by card level, to keep your spending and cash flow in check while giving your employees the tools they need to do their job.

Here are some of the key features of Moss cards:

• Cards are issued on the Mastercard network which is globally available
• Depending on the type of card you have, you can spend online and in person, and make mobile payments with a wallet like Apple Pay
• Cards can be generated instantly for convenience
• You can specify spending limits and approval chains for each card issued
• You’ll be able to view all spending and manage all cards in the Moss dashboard, for real time cash flow management
• Moss generates instant reminders to card holders to upload receipts for expense approvals
• Your account can be integrated with your cloud accounting or ERP system to make month end easier

Moss business card fees

Moss pricing can be completely customised to suit your business needs. There’s a Moss Starter package which has no monthly fees, but which offers unlimited corporate cards and access to the Moss Platform to manage expenses conveniently. If you need more you can then add in additional components such as advanced accounting tools, to build the package you need for your unique business needs^³.

Moss does not publicly advertise the package fees you may pay. Instead, you’ll need to start to build out your package and then ask for a quote from their sales team.

A couple of the fees that are standard across all customers include^⁴:

• 2% foreign transaction fee which applies to all payments made in a foreign currency
• 20 GBP refund handling fee (may be waived)

The foreign transaction fee in particular is worth considering if you work with overseas suppliers or need to travel for business a lot. Adding 2% onto all transactions made in a foreign currency can quickly mount up. If you transact in foreign currencies frequently, you may want to also add in a Wise business debit card, to allow you to spend conveniently in a range of currencies, with no foreign transaction fee to pay.

Get started with Wise Business 🚀

Bear in mind also, that as a credit card, the Moss card is likely to have interest and penalties if you fail to pay your bill in full and on time. Interest rates and penalty information will be communicated to you by the card issuer when your card is approved.

Moss card limits

Moss corporate credit cards are issued with variable limits, depending on the specific situation. The top limit could be as much as 2.5 million GBP, but your own limit will be set based on your credit score and will be communicated to you when you’re approved for a credit card⁴.

There are also options for Moss debit cards, which will have different limits. If you use a Moss debit card, you’ll need to add funds to your Moss account in advance of spending, rather than getting a credit line.

Moss customer support

If you have questions you can get support from Moss in writing, by email or by phone:

• Moss address for mail: Nufin GmbH, Ziegelstr. 16, 10117, Berlin, Germany.
• Moss email: support@getmoss.com
• Moss phone number: +31 20 241 4803 (available Monday to Friday, 09:00-18:00, except on public holidays in Berlin)

How to apply for a Moss credit card?

Because Moss does not publish their full list of pricing, to sign up you’ll need to contact the sales team directly to get an introduction to the products available, and decide which may suit your business needs.

You can click the ‘Book an intro’ option on the Moss website, and then enter a few details about your business to get an appointment with a team member to discuss your requirements.

It’s helpful to know that Moss is frequently called out for having excellent customer service over on Trustpilot. The customer service team are described as solution oriented and fast by one happy user - so you will be able to sort out your Moss account easily once you get in touch.

Moss offers a full suite of services to help SMEs in the UK digitise their expense processes, including the Moss corporate credit card. This guide gives you a flavour of what’s on offer - and you can get in touch with the Moss team to take a tour and learn more.

Wise Business expense cards: international expenses made easy

If your business operates internationally and your employees are regularly spending time abroad for work, Wise Business employee cards could be the ideal solution.

These contactless international debit cards work for spending and cash withdrawals in 150+ countries worldwide, with no foreign transaction fees or subscription fees.

Whenever someone spends or withdraws cash overseas, the currency is converted at the mid-market exchange rate, with just a small conversion fee to pay.

There’s also 0.5% cashback paid on all eligible spending.

Once you have a Wise Business account, you can order unlimited expense cards for just a one-off fee of £3 a card. You can add employees to your account, with controlled access - and you get full control over spending their limits.

What’s more, it’s easy to integrate Wise with your accounting tools, and your accountant can view team spending for smarter collaboration.

Get started with Wise Business 🚀

While you’re thinking about great providers to make your business run smoothly, take a look at Wise Business for great ways to manage your business finances across currencies with the mid-market rate and low fees.

Sources used in this article:

Sources last checked March 20, 2025