Your wallet funds instantly and tops up automatically at the threshold you set, so your ad budget is always funded and you are never paying interest on marketing. You stay in control of exactly how much can be spent, which is also why our limits can be ten times a typical credit card’s.

You earn 0.5% back on every card transaction, on every plan, including the free one. There are no categories to unlock, no points to redeem and no annual threshold to clear first, and it is never capped at your subscription fee.

They fetch your marketing receipts from Meta, Google, TikTok and Pinterest every month, match each one to the right transaction, and export the result to your accounting system. What they do not do is replace your accountant. They prepare and reconcile; approving and filing stays with you.

Yes. Accountant access is free on every plan, and extra users cost nothing either. Add them and they get what they need to reconcile and export.

A flat 2% margin applies to transfers and card transactions in a currency other than your account’s base currency, with no separate transaction charge on top. On Enterprise you can hold multi-currency accounts and spend from the matching currency, which avoids the conversion entirely.

Yes. There is no setup cost and no minimum contract, and you can move back to the free Starter plan whenever you want without losing your cards or your history.

Your funds sit in a safeguarded e-money account, held separately from Franklin's and our partner NIUM's own money, so they are not used for our operations and remain yours at all times.