Free for up to 5 cards

Ramp-grade expense management. Built for Australia. Xero native.

Corporate cards with real-time controls, AI-powered receipt matching, automatic GST tagging, and one-click Xero sync. Kill expense reports forever.

Get Free Cards → See How It Works
SpendPilot — March 2026
$24,180
Monthly Spend
$2,198
GST Claimed
12
Active Cards
Merchant
Card
Category
Amount
GST
Atlassian
****4821
SaaS
$1,240
$112.73
Qantas Business
****3102
Travel
$892
$81.09
Officeworks
****4821
Office
$347
$31.55
Google Ads
****7790
Marketing
$2,100
$190.91
The Problem
Expense management in Australia is broken
Your team hates expense reports. Your finance team hates chasing receipts. Everyone hates BAS time. There's a better way.
14 hrs

Per Employee Per Year

The average Australian employee spends 14 hours a year on expense reports. That's nearly 2 full work days per person. Multiply by your headcount. Painful.

$47

Cost Per Expense Report

Between the employee filing, manager approving, and finance processing, each expense report costs $47 to process. Most companies do hundreds per month.

BAS

GST Reconciliation Hell

Every quarter, your finance team manually tags GST on hundreds of transactions. Missing receipts mean missing input tax credits. The ATO won't accept "I lost it."

How It Works
Issue cards. Control spend. Never chase a receipt.
1

Issue Virtual Cards

Create unlimited virtual cards in seconds. Set per-card limits, merchant restrictions, and expiry dates. Issue a card for each team, project, or subscription.

2

AI Does the Work

Every transaction is auto-categorised, GST-tagged, and matched to a receipt via AI. Snap a photo, email it, or forward from your inbox. SpendPilot handles the rest.

3

One-Click Xero Sync

Transactions flow into Xero with correct GST codes, categories, and tracking codes. BAS prep goes from days to minutes. Your accountant will thank you.

Features
Ramp + Xero + Australian smarts
💳

Corporate Cards

Visa corporate cards issued by an Australian ADI. Virtual cards in seconds, physical cards in days. AUD denominated. No personal guarantees.

🤖

AI Auto-Categorise

Transactions auto-tagged to Xero chart of accounts. GST detected from ABN lookup and receipt OCR. 95% accuracy out of the box, learns your patterns.

🔓

Real-Time Controls

Set spending limits, merchant category restrictions, weekend lockouts, or single-use cards. Lock or freeze any card instantly from your phone.

📦

Receipt Matching

Snap a photo, forward an email, or connect Gmail. SpendPilot AI matches receipts to transactions automatically. Never chase a receipt again.

📈

Xero Native

Two-way sync with Xero. Transactions, GST codes, tracking categories, and contacts. Supports MYOB and QuickBooks too, but Xero is our first love.

📊

Spend Analytics

Real-time dashboards by team, category, vendor, or card. Spot subscription creep, duplicate charges, and budget overruns before they happen.

Pricing
Free to start. Pay as you grow.
No setup fees. No hidden charges. Cancel anytime.
Free
$0/mo
Up to 5 cards
  • 5 virtual cards
  • AI categorisation
  • GST auto-tagging
  • Xero sync
  • Email support
Get Started Free
Pro
$15/card/mo
For growing teams
  • Unlimited virtual + physical cards
  • All Free features
  • Receipt matching AI
  • Spend controls + policies
  • Multi-approval workflows
  • Spend analytics
  • Priority support
Start Free Trial
Business
$10/card/mo
20+ cards, volume pricing
  • All Pro features
  • Volume discount (20+ cards)
  • Custom approval workflows
  • Department budgets
  • API access
  • Dedicated account manager
  • SLA guarantee
Contact Sales
FAQ
Common questions
Cards are issued by an Australian ADI (Authorised Deposit-taking Institution) and run on the Visa network. Your funds are held in an Australian trust account. Fully regulated.
SpendPilot connects to your Xero organisation via OAuth. Transactions sync as spend money entries with correct GST codes, chart of account mappings, and tracking categories. Two-way — edits in Xero reflect back.
Yes. 5 virtual cards, AI categorisation, GST tagging, and Xero sync — completely free, forever. No credit card required to start. We make money when you upgrade to Pro.
Yes. We support Xero (primary), MYOB, and QuickBooks Online. Xero gets the deepest integration including tracking categories and contacts. MYOB and QBO sync transactions and GST codes.
Yes, but the whole point is they shouldn't have to. Issue SpendPilot cards so employees never pay out of pocket. If they do use personal cards, they can submit expenses through the app for reimbursement.

Kill expense reports starting today

Get 5 free corporate cards. No credit card needed. Setup in under 10 minutes.

No credit card required. 5 free cards forever. Setup in minutes.