Before/After: what's changed regarding Spendesk/your Visa Business Premium cards?
This article is part of a collection of articles regarding your free upgrade to an improved Spendesk (Spendesk Financial Services).
Have a look below for more info:
Before | After | |
|---|---|---|
Payment Institution License | Okali | Spendesk Financial Services |
Card scheme and processing | Scheme: MastercardCard Processor: FISMoney Transfer Connections: ArkeaSegregated Accounts: ArkeaCore Banking System: Bankable | Scheme: VisaCard Processor: MarqetaMoney Transfer Connections: BPCESegregated Accounts: NatixisCore Banking System: Spendesk Financial Services |
Risk policy | Geographies: EEA (excluding Estonia, Cyprus, Slovenia, Iceland and Liechtenstein), UKIndustries: Some prohibited industriesRisk Assessment: the overall risk assessment is determined by the highest of 4 triggers: industry, legal form, shareholding structure, presence of politically exposed person (PEP). | Geographies: EEA onlyIndustries: case-by-case by ComplianceRisk Assessment: smoother process with no discriminating factors (TBC) |
KYC/Trial | KYC flow with our banking partner.10k trial available for low-risk clients. | KYC flow with our banking partner.No trial is available. |
T&Cs Signature | Electronic signatureManual signature possible | In-app checkbox |
Top-up | StripeSEPA wire transfer | SEPA wire transferInstant SEPA (not on weekends nor public holidays) |
Account Statements | Current Month (M) data and balance are displayed | No current month (M) data or balance is displayedMonth M-1 data/balance is displayed and exportableDaily account statement available for daily transactions |
Currencies & geographies | Any geographyEUR, GBP, USD, NOK, SEK, DKK accounts | European Economic Area (EEA)EUR (SEPA only)No other currency nor geography for now |
Card Types | Mastercard Business | Visa Business Premium |
Card limits | https://helpcenter.spendesk.com/en/collections/2341162-card-limits | https://helpcenter.spendesk.com/en/articles/8764665-sfs-card-limits |
Subscription cards | Valid for 4 years | Valid for 2 years |
Card shipping | 1-3 weeks | 2-3 business days + shipping |
Card tracking | Shipping Status available for Spendesk workers | Shipping fulfillment status (ordered, rejected, shipped, not delivered) availableTracking Number available |
Pay with a physical card | Wherever Mastercard is accepted | Wherever Visa is accepted |
Funds held | Natixis |
Aktualisiert am: 30/04/2026
Danke!