Set the limits
Monthly spend limits give employees the freedom to spend wisely, while you stay in control. They can ask for a limit change as a one-off or for good, if needed.
Business expense cards for employees
Company cards with set limits and spend tracking give power to your people, without giving up full control. Available with Monzo Business Team.
Team starts from £25 a month. Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.
The App Store, Google Play Store, and Trustpilot ratings are correct as of August 2026.
Time-saving meets team spending
Free your team to book travel, pay suppliers and restock supplies. So you can keep business running as usual even when you’re out of office.
See all spending
Track your entire team’s spending in real-time and follow individual’s spending within their limits.
Sail through admin
You can check receipts, reasons for spending and VAT rates all in one go. With Team, integrate with Xero to automatically stay in sync.
Say ‘freeze’
If a card gets lost or stolen, or someone spends outside of policy, you can freeze it to keep the account safe.
Syncs with Xero, hero
With Team, 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 a few taps right when they pay.
Even better, you could get a Xero subscription free for 8 months with Team, or 6 months with Pro.
Expense cards explained
With Team, you can have 5 expense cardholders as standard. Additional charges apply for extra cards.
Stay switched on while you switch business bank account
Continue to make and take payments while the Current Account Switch Service (CASS) moves you over to Monzo.
Step 1
Apply for Monzo Business
You must be a sole trader or limited company director in the UK. Check out our eligibility page for the full details of what kinds of businesses we can support right now.
Step 2
Tell us when you want to move
You set the date.
Step 3
Let us do the rest in 7 working days
Money, Direct Debits and standing orders will all be moved over for you. We’ll also redirect your incoming payments, salary included, and close your other bank account.
Over 1 million businesses choose to bank with us
More than a million businesses in the UK and Ireland have joined Monzo and changed the way they bank. So can you. Sign up or switch to Monzo Business, if you have a business account elsewhere.
Questions? Answers.
What spending controls can I set for employee expense cards?
Spending controls include setting a monthly spending limit, which expense cardholders can ask to increase if needed. Admins will need to approve any spending outside the limits and approve requests to adjust the limit.
What’s the difference between a Monzo Business expense card and a corporate credit card?
Monzo Business expense cards are debit cards. Unlike corporate credit cards, the money comes from your main business account balance and doesn’t need to be paid back later. You won’t be charged interest on spending, like some corporate credit cards might.
Are Monzo employee cards physical or virtual?
Expense cards are physical cards that can be used online or in person, including through Apple Pay or Google Pay.
Do team members need to open a Monzo Business 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 cardholders 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.