Question 1

What is a business expense card?

Accepted Answer

Expense cards allow you to spend on business expenses - from travel, subscriptions, and any other card purchases. Using expense cards allow you to keep your transactions separate to other transactions (for example personal ones). With Wise, you can order multiple cards for your employees so they can spend on your behalf with controls like spending limits that you set.

Question 2

How do expense cards work?

Accepted Answer

Wise expense cards are like regular debit cards, but the business admin can set controls like spending limits. As the business admin, you can see all employee spending and receipts from your account. You can connect Wise to your accounting software so they can be reconciled.

Question 3

What’s the difference between prepaid, debit and credit expense cards?

Accepted Answer

Prepaid cards require a manual or automated top up in order to spend from it. Debit cards spend directly from the money in your account, most businesses will apply spending limits and approvals in order to keep control of spending. Credit cards spend from the issuers cash flow and the business will usually pay off monthly.

Question 4

Can I order Wise cards for employees that are not in the same country as my business?

Accepted Answer

Yes you can order to any employee around the world once your business is registered in Wise in the UK, Europe, New Zealand, Australia, Singapore or Japan.

Question 5

How many Wise cards can I get?

Accepted Answer

With Wise, you can get unlimited cards at a £3 one-off fee. Other providers may also charge subscriptions and monthly card fees.

Question 6

What limits and controls can I set?

Accepted Answer

You can set daily and monthly spending limits for each team member. These limits are across all the cards they hold — physical and digital. You can increase or decrease these limits whenever you like.

Question 7

How does cashback on business debit cards work?

Accepted Answer

We offer 0.5% cashback on eligible business card transactions to businesses with Wise Business accounts registered in the UK.

You can get cashback on all transactions with your business card(s), except:

Cash or cash-like transactions, like ATM withdrawals, or cashbacks and purchases of gift vouchers
Gambling transactions, including bookmakers and casinos
Payments to financial institutions (like a credit card provider)
Payments connected to commodities, investments, savings or cryptoassets
Payments to government bodies or tax authorities

Cashback is a way for us to pass part of our margins back to you. We need to make sure we do so sustainably both for you and for our business, so we might change the cashback rate in the future — but we’ll always let you know first.

See this for more information on card cashback for business.

Compare the costs	Wise Business	Pleo Pro	Soldo Pro
Card fees	£3 one-time fee	£12 per user monthly	£10 per user monthly
Number of users	Unlimited	Unlimited	20
Roles, permissions, approvals	Yes	Yes	Yes
Controllable spending limits	Yes	Yes	Yes
Card type	Debit	Prepaid and credit	Prepaid
Currency bank account details	10	1	1

Card fees
Wise Business	£3 one-time fee
Pleo Pro	£12 per user monthly
Soldo Pro	£10 per user monthly
Number of users
Wise Business	Unlimited
Pleo Pro	Unlimited
Soldo Pro	20
Roles, permissions, approvals
Wise Business	Yes
Pleo Pro	Yes
Soldo Pro	Yes
Controllable spending limits
Wise Business	Yes
Pleo Pro	Yes
Soldo Pro	Yes
Card type
Wise Business	Debit
Pleo Pro	Prepaid and credit
Soldo Pro	Prepaid
Currency bank account details
Wise Business	10
Pleo Pro	1
Soldo Pro	1

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