Business expense cards for your employees
Business expense cards from ANNA give everyone on your team their own card, linked to your business account, with a spending limit you set. They pay, snap the receipt, and ANNA sorts the rest. No expense claims, no shoebox of crumpled paper.
- 10 min to open an account
- Mastercard with Apple Pay and Google Pay
- 24/7 support from Cardiff
How ANNA business expense cards work
An ANNA business expense card is a card for each employee, linked straight to your ANNA business account, with its own spending limit. Your team pays for business costs without using their own money, and you see every payment as it happens.
How money gets onto the card
Unlike most expense cards for business, there’s nothing to load or top up. Each card spends from your ANNA account, up to the limit you’ve given it. Every card runs on Mastercard, works with Apple Pay and Google Pay, and earns cashback with selected partners.
Stay in control of your team’s spending
Spending limits on every card
Set a different limit for each person, and choose where their card can be used.
Real-time payment notifications
Ding! Every time someone on your team pays, you know about it. No end-of-month surprises.
Freeze a card in a tap
Lost card? Changed plans? Freeze it in the ANNA app in seconds, and unfreeze it just as fast.
Virtual and physical cards
Get a virtual card the moment you sign up and start paying straight away. Physical cards arrive in the post in 3–4 days.
No more expense claims
Snap receipts, ANNA sorts them – no reimbursements
After each payment, ANNA nudges your employee to snap the receipt. ANNA reads it, matches it to the transaction, and puts it in the right expense category. Nobody waits to get paid back, and nobody chases paperwork.
Syncs with your accounting
Every card payment flows into Auto Accountant, which categorises it, works out the VAT and keeps your books up to date automatically – ready for your VAT Return and Corporation Tax. No manual data entry means no typos or missed transactions.
Expense card vs debit, prepaid and corporate credit cards
 Business expense card | Business debit card | Prepaid card | Corporate credit card | |
|---|---|---|---|---|
| Where the money comes from | Your ANNA business account | Your business bank account | Money you load onto the card | Borrowed from the card provider |
| Top-ups | Not needed | Not needed | Manual, before each use | Not needed, but you repay the balance |
| Credit check | No | Usually no | Usually no | Yes |
| Debt risk | None – cards only spend what’s in your account | None, unless you go overdrawn | None | Interest if you don’t clear the balance |
| Spending control | Individual limit per card, freeze in a tap | Usually one shared limit for the whole account | Limited to the loaded amount | Credit limit set by the provider |
| Virtual cards | Straight away, in the app | Depends on the bank | Sometimes | Depends on the provider |
| Receipts and bookkeeping | Snapped in the app, matched and categorised automatically | Usually manual | Usually manual | Usually manual or via separate software |
What employees can use expense cards for
An ANNA business expense card covers most of what your team spends day to day:
Travel, trains and hotels
Fuel
Office supplies
Software and subscriptions
Client lunches and meetings
Online and in-store purchases
How to get business expense cards for employees
Open an ANNA business account
It takes under 10 minutes – you’ll need ID and proof of address.
Invite your team
Add employees in the app and choose what each person can see and do.
Issue a card
Create a virtual card instantly, or order a physical one.
Set a spending limit
Pick a limit for each card, and change it any time.
Let your team spend
They pay and snap receipts. ANNA does the bookkeeping.
How many expense cards do I get?
It depends on your plan:
Free
1 card
£0 per month
Grow
2 cards
£12.90 + VAT per month
Business
Most popular
5 cards
£22.90 + VAT per month
Big Business
Unlimited cards
£59.90 + VAT per month
Is my money safe?
Every ANNA card comes with chip and PIN, 2-factor authentication, and instant freezing in the app. If a card goes missing, freeze it and tell us in the app chat – we’ll send a replacement free of charge.
- Chip and PIN
- 2-factor authentication
- Instant freezing in the app
ANNA isn’t a bank. Your account is an e-money account issued by PayrNet Limited, authorised by the FCA. Your money isn’t covered by the FSCS, but it is safeguarded: held separately from company funds and never lent out or invested. Read more about how your money is protected.
FAQ
A business expense card is a card you give to an employee so they can pay for business costs without using their own money. With ANNA, each card is linked to your business account and has its own spending limit.
Yes. Invite them to your account in the app, then issue each person a virtual card straight away or order them a physical one.
Employees and co-directors you invite to your ANNA business account.
Only if you let them. When you invite someone, you choose what they can see and do in the app.
It depends on your plan: 1 card on Free, 2 on Grow, 5 on Business and unlimited on Big Business.
You can set a spending limit on each card, choose where it can be used, and freeze or unfreeze it in a tap.
Yes. Every card has its own limit, and you can change it any time in the app.
Straight away. You get a notification every time someone on your team pays.
Both. Virtual cards are ready the moment you create them, and work with Apple Pay and Google Pay. Physical Mastercards arrive in the post in 3–4 days.
A virtual card is ready instantly. A physical card takes 3–4 days to arrive.
Most everyday business spending: travel and hotels, fuel, office supplies, software and subscriptions, client meetings, and online and in-store purchases.
No. There’s nothing to load or top up – each card spends straight from your ANNA business account, up to the limit you set.
A corporate credit card spends money borrowed from the card provider, which you repay later. An ANNA expense card spends your own business money, so there’s no credit check and no debt to repay.
No. We don’t run a credit check to issue expense cards.
Yes. The ANNA Free plan costs £0 per month and includes 1 card.
Freeze it in the ANNA app and tell us in the app chat. We’ll send a replacement free of charge.
Our Cardiff-based team is here 24/7 in the app chat, or email us at hello@anna.money.
Give your team a card. Keep the control.
Open your ANNA business account in under 10 minutes, issue cards to your team, and let ANNA sort the receipts. Our Cardiff-based team is here 24/7 if you need a hand.