The Expensify Card is available for companies in the United Kingdom and select European countries. This guide walks you through eligibility and how to set up and start using the card in GBP or EUR.

Workspace Admins can issue virtual and physical Expensify Cards to members and manage spending in GBP or EUR.

Who can set up the Expensify Card in the UK and EU?

The card is currently available for companies that meet the following requirements:

The company has a GBP or EUR business bank account connected in Expensify; and
The business is located in a supported UK or EU country (see the list below).

If your company hasn’t yet connected a GBP or EUR business bank account, follow one of these guides:

Supported countries

The Expensify Card can be used anywhere Visa is accepted.

However, only companies registered in the following countries can enable the Expensify Card for their workspace:

Belgium
Denmark
Finland
Gibraltar
Ireland
Latvia
Lithuania
Luxembourg
Netherlands
Poland
Spain
Sweden
United Kingdom
United States (please refer to the US onboarding process)

How to set up the Expensify Card

Prerequisites

To set up the Expensify Card in the UK and EU, you must:

Connect a GBP or EUR bank account.
Enable Global Reimbursement.

Note: The workspace currency must match the currency of the connected bank account.

Step 1: Enable the Expensify Card on your workspace

Once you have completed the prerequisites, you can enable the Expensify Card on your GBP or EUR workspace.

From the left-hand menu, select Workspaces > [Workspace Name] > More features.
In the Spend section, enable Expensify Card.
Provide the last three months of business bank statements. These statements help determine your eligible spending limit.
Concierge will review your request and reach out to complete an onboarding form.
Once enabled, Expensify Card will appear in the workspace navigation menu.

Step 2: Link a bank account to settle the Expensify Card

Link a GBP or EUR business bank account that will be used to pay the card balance either daily or monthly.

Important: This must be the same bank account shown in the statements provided during onboarding.

From the navigation tabs (on the left on web, and at the bottom on mobile), select Workspaces > [Workspace Name] > Expensify Card.
Click Issue new card.
Select the GBP or EUR business bank account that will be used to settle all Expensify Card transactions.

Step 3: Issue Expensify Cards to employees

After onboarding is complete and a spending limit has been assigned to your account, you can begin issuing cards to employees.

From the navigation tabs (on the left on web, and at the bottom on mobile), select Workspaces > [Workspace Name] > Expensify Card.
Click Issue new card.
Select the employee.
Choose Virtual or Physical.
Choose a limit type:
- Smart limit – Spend up to a threshold before approval is required.
- Monthly limit – Limit renews each month.
- Fixed limit – Spend until the limit is reached.
- Single-use (virtual only) – Expires after one transaction.
Enter the spending limit.
(Optional for virtual cards) Enable Set expiration date and define a Start date and End date.
- When enabled, both dates are required. The card activates at 12:00 AM local time on the Start date and expires at 11:59 PM local time on the End date.
- When disabled, the card does not expire automatically.
Name the card for easier tracking.
Click Issue card to confirm.

Step 4: Activate the card (physical cards only)

Once the employee receives their physical card:

Go to Settings > Account > Wallet.
Follow the activation steps.
After activation, a 4-digit PIN will be displayed.

You can manage your PIN from your card settings. See the FAQ below for details.

FAQ

What do I do if I forget my PIN?

Navigate to Account > Wallet.
Select your card.
Click Reveal PIN.
Follow the prompts to confirm your identity.

Once confirmed, your PIN will be displayed.

How do I change my PIN?

Navigate to Account > Wallet.
Select your card.
Click Change PIN.
Follow the prompts to confirm your identity.

Once confirmed, you can update your PIN.

What exchange rate is used for foreign currency purchases?

Expensify uses the Visa FX calculator to determine exchange rates for purchases made in currencies other than GBP or EUR.

Note: Set the bank fee to 0% when using the calculator. The Expensify Card does not charge foreign exchange fees.

Does the Expensify Card support Visa Secure?

Yes. The Expensify Card protects online transactions with Visa Secure. For more information, review the Visa Secure FAQs.

How do I get help?

If you need help with eligibility, verification, spending limits, or issuing cards, message Concierge directly from the Expensify app.

Set Up and Manage the Expensify Card UK EU