Getting your Budgetly account live involves a handful of steps — most take minutes, and you can complete them in any order. Here’s everything you need to cover.
1. Choose your plan
Budgetly offers three plans — Essentials, Premium, and Enterprise. The right plan depends on your team size and the features you need.
| Essentials | Premium | Enterprise | |
|---|---|---|---|
| Starting from | $99/month (annual) | $279/month (annual) | Custom |
| Cards included | 4 | 10 | Custom |
| Buddy AI | — | ✓ | ✓ |
| SSO | — | — | ✓ |
All plans include unlimited users, mobile app, Xero integration, and support.
Read the full guide: How to choose a plan and complete checkout.
2. Complete compliance verification
Before you can issue cards or deposit funds, your business needs to pass compliance checks. This includes verifying your business details, ownership structure, and authorised signatory identity.
Tip: Most verifications complete within 1–3 business days. You can add users and create budgets while you wait.
Read the full guide: How to open your Spend Account.
3. Open your Spend Account
Your Spend Account is the wallet that holds your company’s funds. It opens automatically once compliance verification is complete. Once open, you’ll see your balance on the Dashboard.
Read the full guide: How to open your Spend Account.
4. Add your team
Invite your employees, assign roles (Admin, User, or Accountant), and set them up before issuing cards. There’s no limit on the number of users — only cards are counted against your plan.
Read the full guide: How to add a user.
5. Create budgets and issue cards
Set spending limits with budgets, then issue virtual or physical Visa cards to your team. Virtual cards are available instantly; physical cards arrive in 3–15 business days.
| Virtual card | Physical card | |
|---|---|---|
| Available | Instantly | 3–15 business days |
| Use | Online, mobile wallet | In-store, online, ATM, mobile wallet |
| Cost | $5 issuing fee | $10 issuing fee + postage |
Read the full guides: How to create a budget · How to issue a card.
6. Deposit funds and start spending
Verify a bank account, then transfer funds into your Spend Account. Once the deposit clears, your team can start spending immediately.
Read the full guide: Deposit funds into Budgetly.