From Bank Cards to Smart Corporate Cards What Every CFO Needs to Know

Stop letting high-interest cards drain your budget

This guide shows CFOs how to switch to cards with no hidden interest, no FX markups, and full spend visibility

Reconcile in seconds, not hours

Smart corporate cards push every transaction into the expense app in real time and auto-matching receipts instantly.

Protect your business from overspending

Smart cards prevent fraud and overspending with controlled credit lines, automated policy enforcement, and 24/7 fraud detection.

What you'll learn:

The smarter alternative to traditional business credit cards.
How to create effortless expense processes for employees.
Why automation gives finance leaders more time and control.
Practical steps to set up smart corporate cards in your company.
Real-world impact through Conbit’s success story.
A ready-to-use company card policy template.

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Traditional credit cards

Business credit cards (Mobilexpense)

Linked to the company (not the individual)

Real-time transaction visibility

Integrated with expense management platform

Automated policy enforcement

Simplified receipt management (automatic matching)

Centralised management for finance teams

Ability to issue cards to all employees quickly

Overspending prevention (pre-set limits)

Manual reconciliation required

High risk of compliance issues

Time spent chasing receipts

Vat reclaim support with complete transaction data

They’re tied to individual employees, not the company, which means finance teams have no direct access to transactions, limited oversight, and a heavy administrative burden around renewals, identity checks, and receipt chasing.

Because statements lack essential invoice details such as VAT amounts, business purpose, and merchant data. Without receipts, companies miss VAT refunds and reconciliation slows down significantly.

High interest rates (18–25%, with APR up to 29.99%), expensive annual fees, fraud exposure, overspending, and company liability for unpaid balance.

All transactions sync automatically into the Declaree app, receipts are captured instantly, card rules enforce compliance in real time, and finance gets full visibility without chasing employees.

Yes, they run on the VISA network and benefit from real-time fraud detection, 24/7 monitoring, and the ability to freeze or adjust cards instantly.

Setup is quick: onboarding → KYC/AML checks → policy configuration → card requests → activation. Cards can be issued as physical or virtual and are immediately ready for use.

How to Choose the Right Expense Management Software

Choosing the right spend management solution shouldn’t feel overwhelming. This e-book gives you a clear, practical guide to navigate the selection process with confidence. You’ll learn how to evaluate your options, identify the features that truly matter, and find a solution that fits the way your business works.

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The State of Expense Management in 2025 and 2026

Our official report is here — packed with Gartner-backed insights to keep your business ahead of the curve. See how leading companies are upgrading their spend management strategies, discover where you stand, and learn the next steps to stay competitive.

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Expense Compliance Simplified

This guide helps you stay ahead of upcoming compliance shifts with clear, actionable insights. Learn how e-invoicing and sustainability reporting requirements are evolving across Europe and the UK, what they mean for your finance operations.

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Beginner's Guide to Expense Management Maximum Efficiency

New to expense management or not sure where to start? This guide breaks down the essentials step by step — from setting up clear policies to automating approvals and tracking spend in real time. You’ll learn how to build an efficient, compliant process that saves time, reduces errors, and gives your finance team complete control.

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