Business expense cards

Let team members spend up to limits and save everyone from endless admin. Available with Monzo Business Team.

Apply for a business account

Team starts from £25 a month.

Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.

Time-saving meets team spending

Set the limits

Setting monthly spend limits gives employees the freedom to spend, while you stay in control.

See all spending

And your team members see their own, so you all have a handle on what’s going in and out.

Sail through admin

Receipts, reasons for spending and VAT rates are all there in the app for you to check in one go. Integrate with Xero to automatically sync them to your Xero accounting.

Limit what they see

Team members with expense cardholder access see a restricted version of the app. All it shows is their spending activity and limits. Nothing else.

They can’t see or access the business account, or move money around in any way.

Freedom to spend

Business expense cards allow your team to spend online and in-person, including through Apple Wallet and Google Wallet.

You stay in control

Expense cardholders can’t see or access the business account balance or move money in or out of the account, they can only see their own spending activity.

You can set individual limits for each team member and even freeze their cards if you need to.

Spend less time updating Xero

We automatically sync your business’ transactions, receipts and expense categories to Xero so you’re always on top of your bookkeeping.

Your team can add everything you need in just a few taps, all from in the Monzo app, and at the point they make a payment.

Check out our exclusive offer for new Xero customers. Ts&Cs apply.

Available with Pro and Team which start from £9 a month.

Explore integrated accounting

Ditch the pen and paper

Your entire team’s spending and receipts are stored safely in the app. Which means you can track spending in the app in real time, following how team members are spending within their individual limits.

Prefer the big screen? See your team’s spending on a laptop or monitor using our web app.

All spending’s documented together

Connect accounting tools Xero, Freeagent, Sage and Quickbooks so you know all your spending’s properly documented. Letting you spend time on other things.

Available with Pro and Team which start from £9 a month.

Explore integrated accounting

Common questions about employee expense cards

Do team members need to open a Monzo bank account?

No, they’re joining as a team member of your business account and are not opening a bank account of their own.

Can I ask them to join using their work email address?

If they have a Monzo account already they need to join the team using the email they have linked to Monzo. If that’s their personal email then they can’t use their work email to join the team. If they don’t have a Monzo account, they can use any email to join the team.

Do team members have access to my account?

No. Expense card holders can’t see or access your account balance or move money in or out of your account, they can only see their own spending information and limit.

Join 700,000+ businesses today

That’s more than half a million UK businesses already changing the way they bank. Sign up or switch to Monzo Business if you have a business account elsewhere.

Apply for a Monzo account