With Apron Card, you can issue multiple expense cards to employees so that they can pay for things that help the business. You stay in full control as an Admin: Set custom spending limits, track all transactions in one place, and manage everything in the Apron app.
What is Apron Card?
Apron Card works like a prepaid card. You'll need to add money to your dedicated account (your Apron Wallet) before the cards can be used. You only need to top up once – all cards share the same Wallet balance, and funds stay there until they're used.
To start using Apron Card, your company account needs to be verified. If you haven't completed verification yet, you'll need to do this first.
Card types
Apron Card comes in three types, each suited to different needs:
Virtual cards – created instantly and free to use, ready to spend online or add to Apple Pay and Google Pay as soon as you top up your Apron Wallet.
Merchant cards – built for subscriptions: lock spending to specific merchants, catch price increases with a spending limit, and freeze in a click once you're done.
Physical cards – usable online or with Apple Pay and Google Pay as soon as you order it. Activate it with Chip and PIN once it arrives to start spending in-store.
Want to create a new card? Check out our articles: Create a virtual Apron Card, Create a merchant Apron Card, or Order and activate your physical Apron Card.
Need help topping up your Wallet? Read: Add money to your Apron Wallet.
Plan limits
Your Apron subscription plan includes virtual, physical and merchant cards:
Go plan – Up to 10 virtual cards, including merchant cards, and 10 physical cards
Essential and Pro plans – Unlimited virtual, physical and merchant cards
Note: Physical cards have a one-off issuance fee of £5 per card.
Who can create and manage cards
Admins and Owners can create new cards and manage every card on the account – see: Manage existing cards for everything you can do once a card's created.
A company member can be the cardholder for more than one card.
Anyone in the company can be a cardholder, no matter their role (Employee, Custom, Bookkeeper, Admin, Owner).
Where you can use Apron Card
You can use Apron Card for both UK and international payments at any merchant which accepts Mastercard.
You can spend in both GBP and foreign currencies. When a payment is made in a foreign currency, we convert using the Mastercard exchange rate, and we don't charge any extra fees. You can check the current Mastercard rates on their official website.
Viewing card transactions
You can view all Wallet activity right from the Home screen of the Apron mobile app – including top-ups, card payments, refunds, and other activity (like card verifications).
Using Apron on a desktop? You can see all card transactions under the Expenses tab for your company.
Tap any transaction to see more details.
Permission levels:
If you're an Owner, Admin or a Bookkeeper, you'll see the full list of company Wallet transactions.
If you're an Employee, you'll only see your own transactions.
To filter by card:
Tap the Card button at the top of the transaction list.
Select one or more cards.
Tap Apply to view only the relevant transactions.
Download your Wallet statement
You can download a statement of your Wallet transactions as a CSV or PDF file. This includes top-ups, Apron Card transactions, and payrun payments made from your Wallet.
To download a statement:
Go to Home > Wallet > Download statement.
Enter the date range you'd like the statement to cover.
Select CSV or PDF.
Cost and fees
There are no hidden transaction fees or top-up charges when using your cards or adding funds to your company wallet. Virtual cards are free to create, while physical cards carry a one-time £5 issuing fee.
The only ongoing fees to be aware of are:
A 0.2% charge on ATM withdrawals (plus any fee from the ATM operator itself).
Foreign-currency transactions are processed at the standard Mastercard exchange rate with no additional markup from Apron.
That's it – no surprise charges, no monthly card fees, and no transaction fees on everyday spending. Plus, eligible purchases can earn up to 1% cashback with no cap on earnings with the Apron Rewards programme.