Card FAQs

Not quite. During your Initial Onboarding Session, your Onboarding Specialist will assist you in ordering the cards included in your plan.

You will be required to provide information such as the details to be written on the cards and where you would like them to be sent.

Yes. Both card types have issuing fees and physical cards incur a postage cost.

Physical cards:

• $10.00 issuing fee

Plus postage:

• $10.00 for Express Post  (3-5 business days)
• or $3.00 for Standard Post (8-10 business days)

Virtual cards:

• $5.00 issuing fee

If you have just signed up to Budgetly, your Onboarding Specialist will assist with ordering your initial cards. Book your Onboarding session here if you haven’t already.

You can also order cards yourself at any time. See how in our help article here.

Virtual cards are available immediately in most cases.

Physical cards are posted within 2-3 business days of issuing.

Only physical cards require a PIN.

Although virtual cards do not require a PIN, if you are prompted to enter one during a transaction, please refer to this solution for assistance.

If you misplace your card, please cancel the card as soon as possible.

You or your Admin can then order a replacement card via the app.

Absolutely. We allow you to freeze and unfreeze your cards as needed.

Read this article for more information.

If a card is showing as “requested,” it may be because we need additional information from you or your user. Please make sure that all required information, including date of birth and middle name if applicable, has been provided.

If you have already submitted all required information and the card is still in requested status, please submit a ticket or give our friendly support team a call.

Firstly, we recommend checking that the mobile number associated with your Budgetly login is correct. Secondly, check to see if you have received the code via email. Our one-time passwords (OTPs) are sent via SMS, then email as a fallback.

If you have still not received the code after more than one attempt, please submit a ticket or give us a call so we may investigate further for you.

Only physical cards can be used overseas.

When you make a transaction in a currency other than AUD, the transaction will be made at the applicable exchange rate + 2.99% fee. It’s standard in the industry.

Absolutely!

Refunds will be accepted back into your account even if the spending card is frozen or has been cancelled completely.

Yes. You have the ability to withdraw cash just like any other bank’s debit card.

Check out our help article for more information on Budgetly card withdrawals.

Absolutely. If you are on our Premium plan, withdrawals can be blocked per user.

Withdrawals can also be blocked for all cards on your account by a Budgetly team member. If you wish to look at doing this, please create a ticket.

You can change your PIN in the mobile app or through Budgetly.io at anytime.

See our article on updating your PIN for step-by-step instructions.

A virtual card a fully functional Visa card, just without the plastic.

They can be added to your mobile wallet and used for contactless payments wherever NFC payments are accepted. Alternatively, they can be kept within the Budgetly app and used solely for online purchases.

Read our full article on the differences between virtual and physical cards here.

Go to your cards screen and navigate to your virtual card. Click on the eye icon in the bottom right hand corner of the card image to display all card details.

If you are prompted to enter a PIN when using your virtual card, simply press OK and proceed with the transaction. Virtual cards generally do not require a PIN, but if prompted, there is no need to worry.