Lucy - BQ Magazine EditorSorting out business expenses can be a real headache, especially when you’ve got a team and everyone needs to pay for things. We’ve all been there—chasing receipts, wondering who spent what, and dealing with the aftermath. Prepaid business cards have made things a lot easier for us. With so many options out there, it can be tough to know which one is right. That’s why we’ve put together our picks for the best prepaid business cards in 2025 for UK companies. Let’s get into what makes these cards stand out and how they can help keep your company’s spending under control.
Key Takeaways
- Prepaid business cards help us manage team spending without worrying about going over budget.
- Most cards let us set limits, freeze cards, and track expenses in real time.
- Some providers offer free plans, while others charge monthly or card-issuing fees—so costs can add up if we need lots of cards.
- Many cards come with handy extras like expense tracking tools or no foreign transaction fees, which is great for travel.
- It’s important to check fees for ATM withdrawals and physical card replacements, as these can vary a lot between providers.
Wallester Business
If you’re looking after business expenses for a larger team, Wallester Business is a name we can’t skip over. What really stands out is how many cards it lets you issue—there’s no cap on physical cards and no charge for the basic plan. You can even stick your company’s logo on them, which feels a bit more professional when you’re out in the wild.
Here’s a quick look at their current fee structure:
| Feature | Wallester Business (Starter Plan) |
|---|---|
| Monthly/Annual Fee | Free |
| Transaction Fee | £0 |
| ATM Withdrawal Fee | 2% (min £2) |
| Max Cards | Unlimited physical, 15,000 virtual |
We like that you can get up to 15,000 virtual cards, which is ideal if your company needs to handle a ton of online spending across departments. The cards are also easy to pair with accounting software—so you’re not stuck spending hours chasing receipts or hunting for lost transactions.
A few high points with Wallester Business:
- No fees for regular transactions or topping up cards
- Unlimited physical cards (brandable)
- Powerful analytics, spending control and real-time expense tracking
- Great for both UK use and managing multi-currency payments
But, if you love cash (or your team does), the 2% ATM withdrawal fee is on the steep side. We’d try to stick to card payments wherever possible.
For us, Wallester shines when you need scale and want spending controls that actually work—especially if your business handles lots of different teams, cards, or travel budgets at once.
Tide
Tide makes prepaid business cards really straightforward for UK companies like ours. These cards plug right into our Tide business account and they’re designed for day-to-day spending, especially if you want to keep a closer eye on what everyone’s buying. Each expense card costs £5 plus VAT with no extra monthly charges, so the costs are pretty easy to wrap our heads around.
We can hand out up to 50 cards to team members, so larger squads won’t be left short. That’s more than enough for most small and medium businesses. There are some fees to keep in mind: every transaction is 20p, and cash from ATMs costs £1 a pop. Not the cheapest for lots of little card taps, but it’s manageable if we keep receipts digital and avoid cash where possible.
Here’s a quick table to break down the basics:
| Feature | Details |
|---|---|
| Card fee | £5 + VAT per card |
| Transaction fee | 20p per transaction |
| ATM withdrawal | £1 each |
| Max cards per account | 50 |
| Key benefits | Set limits, freeze cards |
A few perks we rate:
- Control spending with adjustable limits and the ability to freeze cards instantly
- Real-time expense tracking, plus receipt uploads right in the app
- Integrates smoothly with our accounting software, cutting down the faff at month-end
- If you go for Tide’s paid plans, you can get free transactions or even earn 0.5% cashback
The requirement to have a Tide business account isn’t a big deal if we’re already customers, but does add a hoop to jump through for others. For those of us using the free account, remember that those transaction fees can add up if our teams spend frequently.
If we want simple control and real-time management of spending, Tide’s prepaid cards are worth a look—especially for smaller teams with predictable expenses.
Soldo
When we talk about managing team spending, Soldo is one of those solutions that genuinely feels like it’s built for those of us juggling multiple cards and users. You can organise up to 20 cards under their Standard plan—which costs £21 plus VAT each month. For a medium-sized team or when you need cards for different departments, that’s actually pretty handy. Each card can be tracked separately, so you always know who’s spending what and where.
Here’s what makes Soldo stand out for us:
- No extra fees when topping up or making regular card payments.
- A flat 1% fee for any cash withdrawal (with a £2 minimum).
- Virtual cards are available instantly for online payments—great for quick purchases or ad-hoc team needs.
- Soldo links up with loads of accounting software and automatically organises expenses, which can be a real time-saver when it comes to bookkeeping.
- Free 30-day trial to see if it works for your flow before committing.
If you’re weighing up costs and features, here’s a quick breakdown:
| Feature | Soldo Standard Plan |
|---|---|
| Monthly Fee | £21 + VAT |
| Max Cards | 20 |
| Physical Card Cost | £5 each |
| Virtual Card Cost | £1 each |
| Cash Withdrawal Fee | 1% (min £2) |
| Outbound Transfers | 20 free per month, then £0.75 each |
For busy business owners, tools like real-time notifications and built-in expense categorisation let us keep tabs on budgets and spending without fuss.
If you’re all about easy expense management, with instant notifications and simple reporting, Soldo ticks most of the boxes – and features like receipt scanning and expense categorisation add that little bit of extra control we’re all looking for.
Pleo
Pleo is one of those prepaid business card options that really gets what a small or growing company actually needs. What we love most is how easy it makes expenses – no more chasing up receipts or fiddling with spreadsheets. Their app lets us snap receipts and sort spending as we go, and it even talks nicely to our accounting tools, speeding up month-end headaches.
Let’s get into the facts quickly:
| Plan | Monthly Fee | ATM Withdrawal Fee | Free Cards |
|---|---|---|---|
| Starter | £0 | £5 per withdrawal | 2 |
| Essential | £39 (annually) | Free | 3 |
| Additional Card | £11 (annually) | Free | As needed |
A few other things worth knowing:
- We can set spending limits on every card (goodbye, surprise bills).
- The whole team can capture receipts straight from their phones.
- It’s quick to integrate Pleo with most of the popular accounting software out there.
We should mention: if you’re running a larger team, costs can rise quickly once you get past the free cards, especially on the Essential plan. And cash machines? Still a bit pricey to use on the free plan, so it’s not ideal for lots of withdrawals.
Using Pleo has seriously tidied up the way we handle business spending. We’ve noticed fewer mistakes, less wasted time, and the bookkeeping is a lot smoother.
Moss
When we talk about prepaid business cards that don’t skimp on features, Moss stands out as an all-in-one platform for managing company spending. Their claim to fame is offering an unlimited number of both physical and virtual cards, which is pretty handy for teams of all sizes. Every staff member can have their own card, and you can say goodbye to messy expense claims.
Here’s what sets Moss apart for us:
- Unlimited card issuing—both real and virtual, so everyone’s sorted
- No top-up fees or transaction charges, which keeps things simple
- Everything’s run from a web dashboard and mobile app—review expenses, set budgets, and track receipts on the go
But let’s be honest: the fee structure isn’t shown upfront. You need to book a demo before you find out what you’ll actually pay. It’s not a dealbreaker, but we’d like more transparency before diving in.
If you care about user feedback, Moss has a 4.4 out of 5 on Trustpilot. Not a huge number of reviews yet, but the early signs look positive.
| Feature | Details |
|---|---|
| Max number of cards | Unlimited |
| Card types | Physical & Virtual |
| Top-up/Transaction fees | None |
| Annual/Monthly fee | By application |
| Expense management tools | Yes |
With Moss, we get to control budgets, chase receipts less, and make business spending a little less painful. Just be prepared to ask about fees before you sign anything.
Equals Money
Equals Money is a name a lot of us have come across when talking about prepaid business cards, especially for UK companies with team members who travel or work internationally. What stands out? You can spend money abroad in 21 different currencies without worrying about extra fees. For businesses with employees all over the place, that’s a massive relief.
The platform itself is pretty robust. We get:
- Up to 20 physical cards if you’re on the Business tier (there’s a £10 fee per new card, which is worth noting)
- Up to 200 virtual cards, perfect for online subscriptions and keeping things extra secure
- No fees on transactions or topping up cards
- Access to their expense management toolkit, making it easier to watch where the money’s going and sort out budgets
Here’s a quick summary of key costs:
| Fee Type | Amount |
|---|---|
| Monthly Fee (Business Tier) | £20.83 |
| Physical Card Issue Fee | £10 per card |
| Cash Withdrawal (ATM) | £1.50 per use |
| Foreign Exchange Fee | £0 (21 currencies) |
| Virtual Cards | Up to 200 |
There’s also the chance for team members to request top-ups straight from the app, which is handy if folks are out and about. The only real stings are the initial £10 fee for each physical card and the £1.50 for cash withdrawals, but for most everyday spending, you can easily dodge those.
We’re honestly fans of how much easier Equals Money makes business travel and multi-currency spending—there’s no sudden sneaky charges, and keeping tabs on expenses doesn’t turn into a massive spreadsheet headache.
Their Trustpilot rating is sitting at a solid 4.4 out of 5, which gives us just a bit more peace of mind. If you need something flexible that works for teams crossing borders, Equals Money deserves a spot on your shortlist.
B4B Payments
B4B Payments is a solid choice for UK businesses looking for a prepaid card system that’s straightforward and adaptable. What makes B4B Payments stand out for us is how flexible it is when it comes to managing team expenses and keeping a close eye on company spending.
We like that there’s no credit check to worry about – you just top up what you need and hand out cards to your staff. If you’re like us and often have event staff, freelancers, or teams travelling, it really takes the hassle out of funding and reimbursing expenses. B4B lets us set up spending controls on each card, and from the dashboard, it’s easy to track how much is being spent where.
Here’s what we find handy with B4B Payments:
- Simple, fast card issuing – both physical and virtual cards are available
- Real-time tracking of all card activity via a modern dashboard
- Easy uploads for topping up cards, whether batch or single payments
- Multiple currencies supported, ideal for overseas expenses
- No debt—it’s prepaid, so you always know your spending limits
Having a prepaid system like B4B Payments means we avoid those awkward end-of-month surprises. You get complete control without the need for petty cash or messy receipts.
One thing we’d flag: prepaid cards like B4B won’t offer credit or purchase protection, and they’re not covered under the Financial Services Compensation Scheme. So it’s all about balancing that control and spend visibility with some risk planning. All in all, if you want to keep staff budgets tight and admin low, it’s worth a look.
Cashplus Bank
Cashplus Bank steps in if we’re looking for a straightforward prepaid business card that doesn’t add loads of fuss. The real draw is how easy it is to get started—there aren’t any credit checks to slow us down, so even if our business has a bit of a wonky credit history, that’s not a dealbreaker. We simply apply online, load up our card, and off we go. It’s all about keeping things simple and under control.
Here’s a snapshot of the key numbers, just to keep it clear:
| Fee Type | Amount |
|---|---|
| Monthly Card Fee | £5 + VAT |
| Top-up/Transfer Out | 20p per time |
| ATM Withdrawal | £1 per withdrawal |
| Max Number of Cards | 50 |
We like being able to hand out cards to staff without worrying that they’ll run up unapproved expenses. There’s no overdraft, so spending is strictly what’s put on the card. It helps with planning—we never get hit with surprise bills at the end of the month.
Some things stand out with Cashplus Bank:
- Quick online application with no credit check
- Up to 50 cards for different team members
- Easy to manage top-ups and spending via web or app
We’ve noticed the ATM fee is there, and the top-up cost is something to keep in mind, but for many of us, day-to-day card payments are the main thing.
Cashplus Bank’s prepaid card takes some stress away from managing our company expenses. We can see what gets spent, who’s spending it, and there are no complicated hoops to jump through.
Emburse
Let’s talk about Emburse, a bit of a game-changer for companies needing flexible spending controls. With Emburse, we’re able to issue a virtually unlimited number of virtual and single-use prepaid cards. That means when we need to sort out a last-minute work trip or set a very specific spending limit for a team, we just whip up a new card in seconds. It feels like magic, especially compared to waiting for plastic cards in the post.
What we really like about Emburse is the power to control exactly how much each card gets, where it can be used, and even when. This does wonders for keeping budgets in check – no more surprise Friday night spending sprees on office snacks. There’s no ATM access, so cash withdrawals are off the table (good for security but worth noting).
Emburse itself doesn’t charge for the cards; instead, there’s a subscription for their expense management platform. The actual price depends on how big our business is and what features we want, so you’ve got to request a demo and have a chat with their team to get a quote.
Here’s what we need to get started:
- Business name and official info
- Company banking details
- Address and Employer Identification Number
- Details for the main account holder
Getting set up is a breeze – most of it is just filling in details and a few emails back and forth. No credit check to worry about, which is a relief when we’re just trying to get going quickly.
If we want detailed controls over workplace spending and easy virtual card creation, Emburse hits the spot. It’s not the best option if cash withdrawals are important, but for digital payments and simple oversight, it definitely makes everyday expenses less of a headache.
WeSwap Business
WeSwap Business has quickly become one of our favourite options for companies regularly making payments internationally. Rather than juggling conversion rates and fees every time someone uses a card for travel or supplier payments, WeSwap lets us lock in better exchange rates across multiple currencies. No more nasty surprises on the statement at the end of the month.
Here’s what stands out for us about WeSwap Business:
- Spend in several major currencies using a single prepaid business card.
- Simple online dashboard for topping up, managing users, and tracking spend in real time.
- Competitive FX rates compared to traditional banks and minimal fees for card use abroad.
- Set card limits instantly and freeze or unfreeze cards if an employee loses one.
| Feature | WeSwap Business |
|---|---|
| Monthly Fee | Variable (£0 on basic tier) |
| FX Fees | Low (generally under 2%) |
| Supported Currencies | GBP, EUR, USD and more |
| Number of Cards | Up to 50 (subject to plan) |
| ATM Withdrawal Fee | £1.75 per withdrawal |
Managing staff expenses gets so much easier when everyone has a company card, and we’re not stuck sorting out foreign transaction headaches or waiting weeks for reimbursements.
It’s not perfect—sometimes topping up can be a bit slow during busy travel periods, and there’s no overdraft facility since it’s prepaid. But overall, if your team travels or does business overseas, WeSwap can really smooth out the process and save a few quid in the process.
Wrapping Up: Picking the Right Prepaid Business Card
So, that’s our round-up of the best prepaid business cards for UK companies in 2025. There’s a lot to think about, isn’t there? We’ve seen that some cards are great if you need loads of cards for your team, while others keep things simple and cheap if you’re only after a couple. Fees can sneak up on you, so it’s worth double-checking what you’ll actually pay each month, especially if you’re planning to hand out cards to half the office.
We like that most of these cards come with handy apps and tools to keep tabs on spending – it’s a real step up from the old days of chasing receipts and sorting out petty cash. Just remember, prepaid cards don’t come with the same protection as credit cards, and you can’t spend more than you’ve loaded. But for lots of businesses, that’s a good thing – it keeps things under control.
At the end of the day, the best card is the one that fits how your business works. Take a bit of time to compare what’s out there, and you’ll find something that makes managing expenses a whole lot easier. If you’ve got any questions or want to share your own experiences, let us know in the comments – we’re all learning as we go!
Frequently Asked Questions
What is a prepaid business card, and how does it work?
A prepaid business card is a payment card that we load with money before using it. We can give these cards to our team to pay for work expenses. The card is not linked to our main business bank account, so we can only spend what we put on the card. This helps us control spending, as employees can’t spend more than the amount loaded.
Are prepaid business cards safe for company use?
Yes, prepaid business cards are quite safe. If a card is lost or stolen, we can freeze it quickly. Since the card isn’t connected to our main bank account, there’s less risk of someone taking more money than we planned. Most cards also use a PIN for extra security.
What are the main benefits of using prepaid business cards?
Prepaid business cards help us manage our company’s spending better. We can set limits, track expenses in real time, and avoid the risks of handing out cash. Some cards also let us connect with accounting software, making it easier to see where our money goes and keep our records tidy.
Are there any downsides to prepaid business cards?
There are a few things to keep in mind. Prepaid cards don’t offer credit, so if we face an emergency, we can’t spend more than what’s loaded. Also, the money on the card isn’t protected by the Financial Services Compensation Scheme (FSCS), so if the card provider goes out of business, we might lose the money left on the card.
Can we use prepaid business cards abroad?
Yes, many prepaid business cards can be used overseas. Some providers, like Equals Money, don’t charge extra fees for spending in different currencies. This makes them a good choice if we or our staff travel for work.
How do we choose the best prepaid business card for our company?
When picking a card, we should look at the fees, the number of cards we can get, and any extra features like expense tracking or accounting tools. It’s also smart to check if the card is easy to manage online or through an app, and if there are any charges for things like cash withdrawals or adding new cards.