Fees, budgets and record keeping

How the issue fee and top-up charge add up, sizing a card balance, and simple records for personal or business spending.

Writing a one-page card policy for a small team

Who may order cards, for what, and how receipts come back. One page answers it all before money moves.

A few dollars left on a card is common. Practical ways to spend them before the card expires.

Three cards, three outcomes. Worked examples show what can come back and why the fees never do.

Freelancers often pay for software on a client's behalf. A card per client makes those costs easy to recover.

Once a month, match receipts to cards and note what is left. A short routine that keeps records tax-ready.

One part of the price is fixed per card, the other grows with the balance. Worked numbers show how they combine.

Splitting a budget across cards adds issue fees but adds control. How to weigh the trade-off with real numbers.

One modest card a week turns online spending into a fixed allowance. How to set it up and keep it honest.

Total = balance + top-up charge + issue fee

Open an account, switch on two-factor sign-in and order the balance you need. You only ever pay for a card you order.

Open my account See the fees