Multi-currency accounts
Hold and move money in 12 currencies2 from one dashboard, and convert between your own balances in seconds.
Get your free business account1
No monthly fees1Onboarding <2h3No per-user fees1
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All you need to manage your money
Virtual cards
Issue a dedicated card for each vendor, subscription or ad account, with its own limit, expiration date, and receipts.
Physical cards
Named cards for the spend that happens away from a browser — travel, hotels, client dinners, anything over a counter. Set budget and spending limits, and get full visibility of employees’ expenses.
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Built for teams that spend across borders
Startups and scale-ups
Software, cloud and ad spend on separate cards, so one person is not reconciling one shared card at month end.
Larger companieswith distributed teams
Cards and budgets per team, department or project, with approvals and receipts in one place.
Enterprises
Pay in the invoiced currency and maintain balances in each. Manage multi-currency accounts2 and instantly convert money to the currency you need.
One cardfor every kindof spend
full control over your spend
Open a balance in each currency² your business trades in, and convert between them yourself at any time.
- Dedicated accounts in USD, EUR, GBP, and 9 other currencies²
- Send and receive global payments via SWIFT, SEPA, and Faster Payments
- Instantly exchange money between your accounts
Free to issue,free to run1
- Currency conversion: 1% on cross-currency card transactions and on exchanges between your accounts1
- SWIFT transfers in and out: flat £201
- SEPA and SEPA Instant payments: no fee1
- ATM withdrawals: free up to 400 EUR/USD/GBP or 1700 PLN per month, 2% above that1
Full list: Fees and limits
$0
Three easy steps to a live account
- 1
Apply
Tell us about your company and upload the required docs. You can see the full list before you start.
- 2
Pass verification
We run identity and business checks, including anti-money-laundering screening. With complete documents this is usually done in under 2 hours.3 Further checks may be requested after you open the account.
- 3
Issue cards andconnect accounting
Open the currencies you need, issue cards to your team, and connect your ERP or accounting software.
Before you apply
Is Spendbase a bank?
No, we’re a programme manager. Your account and cards are provided by Moorwand Ltd, an electronic money institution authorised by the Financial Conduct Authority. Your money is held as electronic money in safeguarded accounts rather than as a bank deposit, and it is not covered by the Financial Services Compensation Scheme.
Which currencies can I open accounts in, and which can I issue cards in?
You can open accounts in 12 currencies. Cards are issued in four: EUR, GBP, USD and PLN. Which of those is available to you depends on where your company is registered.2
How long does verification take?
With complete and correct documents, usually under 2 hours.3 If something needs to be re-uploaded it can take longer.
What does it cost?
There is no monthly fee and no fee per user, and issuing a card is free. Conversion, SWIFT transfers and cash withdrawals above the monthly allowance carry fees, all listed in Fees and limits.
What are the spending limits?
You set them: each card can have its own per-transaction, daily, weekly and monthly limit, and you can change them at any time.
What should I do if a card is lost or stolen?
Freeze it instantly from the app, then order a replacement. You can also reach us free of charge at in-app chat, at any time.
Open your account this week
No monthly fee, no fee per user, plus virtual cards for each employee are included.1
