Common questions about using, ordering, managing, and paying fees for physical and virtual Budgetly Visa business debit cards.
General Card FAQs
Will the cards included in my plan be ordered automatically?
Not quite. During your onboarding session, your Onboarding Specialist will assist you in ordering the cards included in your plan. You’ll need to provide the details to be written on the cards and where you’d like them sent.
What are the card fees?
Physical cards: $10.00 issuing fee + $3.00 standard delivery (3–15 business days via AusPost).
Virtual cards: $5.00 issuing fee. Available instantly.
How can I order my cards?
You can order cards yourself at any time from the Cards page. See How to issue a card.
Are Budgetly cards debit or credit?
Budgetly cards are Visa business debit cards.
Do I need a virtual card to pay with my mobile phone?
No. Both physical and virtual cards can be added to Apple Wallet or Google Wallet.
Do the cards have to be issued in someone's name?
Yes. Banking regulations require all cards to be issued under an individual’s name.
Can I have a virtual and physical card with the same number?
No. Each card has its own unique card number.
How soon can I use my card after issuing?
Virtual cards are available immediately. Physical cards arrive in 3–15 business days via AusPost standard delivery.
Do all cards require a PIN?
Only physical cards require a PIN. Virtual cards do not — if prompted for a PIN when paying with a virtual card, press the enter button on the terminal to proceed.
What if I lose my card?
Freeze or cancel the card as soon as possible. You or your admin can then issue a replacement.
Can I temporarily freeze my card?
Yes. Freeze and unfreeze your card from the mobile app or desktop. See How to freeze or cancel a card.
Can I have more than one card?
Yes. There’s no limit on the number of virtual and physical cards per user.
Why is my card showing as requested?
We may need additional information. Make sure all required details (date of birth, middle name if applicable) have been provided. If the card is still in requested status, contact support.
I can't complete my purchase because I haven't received my one-time password. What do I do?
Check that the mobile number on your Budgetly account is correct. OTPs are sent via SMS first, then email as a fallback. If you still haven’t received it after multiple attempts, contact support.
I accidentally cancelled my card. Can I reactivate it?
No. Card cancellation is permanent and cannot be undone. A new card must be issued.
Can I use my card overseas?
Yes. Both virtual and physical cards can be used for international online purchases. Physical cards can also be used in-store overseas. Transactions are converted to AUD at the Visa exchange rate. See Can I use my Budgetly card overseas?.
Can a refund go back onto my card even if it's frozen or cancelled?
Yes. Refunds are accepted back into your account even if the card is frozen or cancelled.
Physical Cards
Can I withdraw cash with my physical card?
Yes. See How to withdraw cash for limits and fees.
Can I block cash withdrawals on physical cards?
Yes. Admins can block ATM access company-wide or per user (Premium only). See How to enable or disable ATM withdrawals.
How do I change my PIN?
Change your PIN from the mobile app or desktop at any time. See How to update your card PIN.
I accidentally ordered my card to the wrong address. Can I update it?
No. Cards are sent to print immediately after ordering. Cancel the card and place a new order with the correct address.
Virtual Cards
What is a virtual card?
A virtual card is a fully functional Visa business debit card without the plastic. Add it to your mobile wallet for contactless payments, or use the card details for online purchases. See How to use your virtual card.
How can I see my virtual card details?
Tap the eye icon on the card image to reveal the full card number, expiry, and CVV. See How to view your full card details.
How can I pay with my virtual card using my mobile phone?
Add your card to Apple Wallet or Google Wallet and tap to pay at any contactless terminal.
How many virtual cards can I have?
No limit. You can have one virtual card per budget if needed.
How can I cancel my virtual card?
I was asked for a PIN when paying with my virtual card. What do I do?
Press the enter button on the payment terminal to proceed. Virtual cards do not require a PIN.