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Expense management

Free expense tracking and management

Stop manually tracking business expenses. The Capital on Tap Business Credit Card syncs automatically with your accounting software, categorises transactions, and stores receipts - all in one place.

  • Connect Xero, QuickBooks, Sage or FreeAgent
  • Track card spending in real time
  • Give team members the right access
Apply now
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Trustpilot
1% cashback on all card spend

1% cashback on all card spend

No annual, FX, or ATM fees

No annual, FX, or ATM fees

Credit limits up to £250,000

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Rates as low as 13.86% APR (variable)

How Capital on Tap makes expense tracking easy

Capital on Tap helps you take control of business expenses without the hassle. Here’s how:

Accounting Software Integration Light

Automatic accounting sync

Transactions sync to your accounting software automatically, every day.

Automation Light

Smart categorisation

Every transaction is automatically sorted into the right category.

Receipt And Card Light

Digital receipt storage

Photograph a receipt and attach it to the transaction in the app.

Managing Controls 1 Light

Spend alerts

Get an instant notification every time your card is used.

Card Spend Limit Light

Spending limits

Set spending limits for you and your team and adjust them any time.

Falling Cards Full Feature Mobile Dark

Track all your business spending in one place

Manage all your business expenses from a single, centralised account. 

Quickly find what you need by filtering transactions by employee, amount, date, and more.

Rated excellent by our customers

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Accounting Contained Feature Dark (2)

Auto-sync with your accounting software

Connect with Sage,Xero, QuickBooks, FreeAgent, and more. Transactions sync automatically every day. Set it up once and it runs in the background.

Apply now
Ervin Standing Next To A Black Audi In 2013, When He First Started EG Chauffeurs

Every chauffeur has their own card, including me and my business partner. I can track spending, set limits, and keep everything running smoothly - all from my phone. It’s effortless control.

Ervin Gjoni
Owner of EG Chauffeurs
Read our customer stories
Capital On Tap Business Credit Card Spend Controls

Customise spending controls

Set spending limits per transaction or monthly, for you and every team member. You'll get instant alerts when someone approaches their limit.

Rebecca Alford Chief Financial Officer at Capital on Tap

Good expense management helps small businesses control costs, improve cash flow, and make sure every pound is used effectively. With Capital on Tap, those tools are built directly into your card - no separate software needed.

Capital On Tap Business Credit Card Team And Roles

Create users with personalised access

Share financial tasks with your bookkeeper, accountant, or team members. Give each person the right level of access with our enhanced team management feature:

  • Manage credit to issue team cards and oversee payments.

  • Manage savings to move funds in and out of your Instant Access Savings account, powered by ClearBank.

  • Manage rewards to view, redeem, and convert your points.

Apply now
Capital On Tap Business Credit Card Transaction Details

Smart expense categorisation

Your Capital on Tap Business Credit Card automatically categorises expenses by merchant, making it easier to review spending and prepare for tax. Add notes to any transaction to add context or categorise costs.

Capital On Tap Business Credit Card Receipt Upload

Attach receipts to transactions

Upload receipts in the app and attach them to the relevant transaction. Every receipt is stored digitally in one place, organised and ready for tax documentation.

A Capital On Tap Pro Card, Next To A Wallet And Receipts, With A Business Expenses Budget Spreadsheet Open On A Laptop

Stop chasing your team for receipts

Switch on Receipt Chasers and your team gets automatic reminders for outstanding receipts. Set the frequency and minimum transaction value - then leave it to run.

Capital On Tap Business Credit Card Transaction Notification

Real-time updates

Keep an eye on your expenses wherever you are with the Capital on Tap app. You’ll get instant alerts for every purchase on your card, so you always know what’s being spent.

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Capital On Tap Virtual Credit Card Details

Manage payments with virtual cards

Make payments easier by creating single-use virtual cards for things like subscriptions or vendors. You can set spending limits and turn off cards straight away, giving you full control over regular costs.

Capital On Tap Visa Infinite Business Card Leaning Against An Open Laptop On A Wooden Desk

How to track business expenses with Capital on Tap

Set up once and it runs automatically.  

  • Syncs with Xero, QuickBooks, Sage and FreeAgent  

  • Every transaction categorised automatically  

  • Attach receipts in the app as you spend  

  • Filter by employee, date, or amount  

  • No manual exports, no spreadsheets

Capital on Tap reviews

Trustpilot

Track business expenses automatically. No annual fee. Decision in 2 minutes.

Apply now

Frequently asked questions

Expense management is how you organise and control business spending. It involves tracking, checking, and improving where your money goes. Using your business credit card effectively is a great way to simplify this process, helping you control costs and make smarter financial decisions.

Expense management is important because it helps businesses control costs, stay on budget, and understand their financial health.

Good expense management helps you:

  • Keep costs under control

  • Stick to your budget

  • Understand your business finances clearly

  • Plan smart investments

  • Save time on admin

  • Protect your business from fraud

Expense tracking shows what you’ve already spent, while budgeting is about planning how you’ll spend money in the future. Both work together to help you manage your finances well.

Business expenses are the day-to-day costs of running a business. These can include: 

  • Rent

  • Staff wages and bonuses 

  • Utilities like electricity, gas, and internet 

  • Office supplies and stock 

  • Marketing and advertising 

  • Travel, meals, and entertainment costs 

  • Insurance payments 

  • Professional services (accountants, lawyers) 

  • Technology and software

  • Repairs and maintenance

  • Business taxes

 Business expenses vary depending on the type of business and its operations.

The Capital on Tap Business Credit Card automates most of the manual work. Transactions sync daily to Xero, QuickBooks, Sage, or FreeAgent, receipts attach to transactions in the app, and spending is automatically categorised by merchant. There's nothing separate to set up or install.

With Capital on Tap, every employee card transaction appears in your account in real time. You can filter by employee, date, or amount, set spending limits per card, and get instant alerts when someone approaches their limit. Receipts can be uploaded directly from the app.

In the Capital on Tap app, you can photograph a receipt and attach it to the relevant transaction straight away. Every receipt is stored digitally in your account, organised by transaction, and ready to export when you need it. No paper, no folders, no hunting through emails.

Page last reviewed on 27 July 2026

by Arianna Colomb