Real-time insights
Every transaction is categorised the moment it happens, with weekly summaries that show trends at a glance.
Goals that stick
Create savings vaults with targets and deadlines. Cardx moves money automatically so you don't have to.
Spend anywhere
Real exchange rates in 150+ currencies and instant notifications wherever you tap your card.
Instant controls
Freeze, unfreeze and set limits in one tap. Block gambling or online purchases whenever you like.
Split & send
Split bills with friends and send money to any Cardx user instantly and for free.
Bills on autopilot
Track subscriptions, spot price increases and cancel what you don't use.
Cards for your team
Issue physical and virtual cards to every employee with role-based limits.
Policies that enforce themselves
Approval flows, merchant restrictions and per-project budgets — set once, applied everywhere.
Close the books faster
Receipts are matched automatically and synced to your accounting software every night.
Global payouts
Pay suppliers and contractors in 60+ countries at the real exchange rate.
Live spend dashboard
See every team's spend against budget in real time, with alerts before limits are hit.
API access
Automate card issuing and reconciliation with a developer-friendly REST API.
Insights
32% healthier spending, on average.
Within three months of switching, Cardx users spend 32% less on categories they flag as non-essential. Clear data changes habits.
- Weekly spending reports
- Smart alerts when you approach a limit
- Personalised tips based on your patterns
Spending vs. last quarter
Avg. Cardx user
Illustrative figures based on the average reduction across active users.
Getting started
From sign-up to first payment in minutes
Create your account
Verify your identity in the app — it takes about three minutes.
Fund & spend
Top up by bank transfer or card and start using your virtual card right away.
Set your rules
Pick budgets and savings goals. Cardx handles the rest automatically.