Team access levels
You decide who can see and do what, with set limits and controls for admins, collaborators and expense cardholders. Spend management delegated and automated.
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Manage spending
Take charge of spend management
Take charge of spend management
Keep tabs on where your money’s going as your team’s growing, with expense cards, spending limits and payment approvals.
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The App Store, Google Play Store and Trustpilot ratings are correct as of 28 September 2026.
Know your numbers at any moment
See where your money’s going
Get a clear view of business spending as it happens. Group transactions into categories like accounting, travel and salaries so your costs are easier to understand.
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Organise business expenses
Keep business expenses separate from personal spending. Add receipts and invoices to every transaction for a clear, up-to-date record whenever you or your gestor needs them.
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Control what’s on and off limits
With set monthly limits and payment approvals you can catch surprise spending or over spending – before money leaves your account.
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Empower with expense cards
Trust your team to do what they need to do, without getting in their way. Both you and them can track how they’re spending against their limits. And check receipts, reasons for spending and the applicable IVA rate in one place.
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Scale up your spend management
Unlock extra tools for managing spend, available on our plans.
Payment approvals
Choose how much individual team members can spend on their card and send by bank transfer before they need admin approval.
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Virtual cards
Use individual virtual cards for subscriptions or online purchases, making recurring expenses easier to identify and manage.
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Connected and protected around the clock
You don’t switch off, so why should we? Chat to us 24/7 over the phone or in the app, and freeze your card any time in a few taps.
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Up-to-date records, for the record
We’ll automatically file away your transactions, invoices and statements to your drive or Google Sheet. Neat, tidy and ready to share with your finance team or gestor. Makes life easier for you and them.
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A bird’s eye view of your money
Get an overview of your businesses money over time or up close to the detail. Track your balance, categorise your spending and view what’s coming in and out when, so you can make changes or keep doing what you’re doing.
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Different plans for... different business plans
See full terms and conditions.
Basic (free)
A free business account that comes with all the tools you need to understand and run your business better. Includes VeriFactu invoicing.*
Ts&Cs apply
Pro
Elevate everyday business with smart tools to budget for tax and link and sync your records with your gestor. €9 a month.**
Ts&Cs apply
Advanced
Manage your team and set limits on expense spending. Bulk payments to pay salaries and suppliers in one go. From €24 a month.**
Ts&Cs apply
Join the waitlist for a chance to get early access
Be one of the first people to try Monzo in Spain.
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Step 1
Join the waitlist
Sign up in a couple of minutes. Download the app to see your position on the list, and how to jump ahead.
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Step 2
Secure your spot
If you get to the top of the waitlist, you could receive an invite to Monzo in your inbox.
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Step 3
Apply in minutes
Once you’re approved, you can add money and start spending on your business debit card.
Questions? Answers.
How does Monzo automate expense management?
We automate the tedious side to expense management to free up time for you and your team. That includes nifty features like automatically grabbing expense information from a photo receipt to save time and reduce errors. We’ll automatically put expenses into categories, remind your team to add missing expense details and add transactions to a Google Sheet (including receipts).
Can I manage both employee spending and supplier payments in one place?
You can track team spending and pay suppliers all from the app. No need to jump between tools and remember multiple passwords.
How do Monzo’s spend management tools work together?
Our spend management tools work together as a team. You can add your people and give them different access levels, set monthly spending limits, track spend and review receipts.
Do these features work on both mobile and web?
Admins can manage expense cards – set limits, track spending activity – on both web and in our app. Expense cardholders can only access the app.
Trusted by 1 million businesses in the UK
We’re new to Spain, but we’ve spent years making life easier for UK businesses. Now it’s your turn.
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Plan pricing
*Free Basic plan: 0% AER, 0% NIR. No account maintenance fees.
**Pro and Advanced plans: 0% AER, 0% NIR. No subscription fees during the first 12 months. See offer terms.
After the first 12 months:
Pro plan: Monthly subscription fee of €9 (€108 over 12 months)
Advanced plan: Monthly subscription fee of €24 (€288 over 12 months). First 6 team members included, €5/month for each additional member (up to 15 in total).