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# Physical cards and Approval policies

Account Administrators (Account Owner or Administrator) have set up your approval policy. You can find yours in "My profile".

Your approval policy applies to **one or several payment methods**, depending on your approval policy.

For more information about approval policies, please follow this [link](https://helpcenter.spendesk.com/en/articles/4067237-understand-your-spending-policy).

# How your approval policy applies to your physical card

Let's take this example.

A Requester has an approval policy of €50 per transaction and €500 per month. They have a physical card with a monthly budget of €3000 that has been approved by an **Administrator**.

If the monthly card budget has been fully used by the end of the month and/or if the member needs to spend more than the predefined budget to make a specific purchase, then they can request a top-up.

In this case, the approval policy is as follows: if the top-up request is less than €50, it will be automatically approved, otherwise it must be approved.

The same applies to the monthly budget limit: the requester will be able to make a maximum of ten top-ups of €50 without any validation. Any top-up request above the monthly limit will have to be approved by a manager.

**Keep in mind:**

If a monthly budget wasn't set up by an account Administrator on your physical card, don't worry, it just means that you can use your physical card doing only top-ups.

# Load limits

Do not hesitate to check your card's [load limits.](https://helpcenter.spendesk.com/en/collections/2341160-spendesk-cards#card-limits)

If a card's loading limit has been reached or is about to be reached, topping it up may not be possible.

It can be a **daily**, **monthly** (1-31st of the month) or **yearly** limit.

* Virtual cards can be replaced by Requesters themselves.
* Physical cards need an Admin to reorder the card (allow a few days for the delivery).