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Expense management

Free expense tracking and management

Stop wasting time manually managing expenses. Let Capital on Tap's free, all-in-one spend solution make running your business easier by allowing you to:

  • Auto-sync with your accounting software
  • Track card spending in real time
  • Delegate financial management
Apply now
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Trustpilot
1% cashback on all card spend

1% cashback on all card spend

No hidden charges or annual fees

No hidden charges or annual fees

Practical credit limits up to £250,000

Practical credit limits up to £250,000

Rates as low as 14.40% APR (variable)

Rates as low as 14.40% 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

Your card transactions are sent straight to your accounting software — like Xero, QuickBooks, Sage, or FreeAgent — every day. No more manual uploads.

Automation Light

Smart categorisation

Spending is automatically grouped by type. So if you buy from a stationery shop, it’s marked as "Office Supplies."

Receipt And Card Light

Digital receipt storage

Take a photo of your receipt and attach it to the transaction in the Capital on Tap app. No more digging through drawers to find them at tax time.

Managing Controls 1 Light

Spend alerts

Get notified right away when a card is used. You can also set up alerts for spending limits.

Card Spend Limit Light

Spending limits

Control how much you and your team can spend. Raise or lower limits instantly if needed.

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
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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.

Accounting Contained Feature Dark (2)

Auto-sync with your accounting software

Easily connect with popular accounting software like Sage, Xero, QuickBooks, FreeAgent, and more. Your card transactions will sync automatically every day, so you can set it and forget it.

Apply now
Capital On Tap Business Credit Card Spend Controls

Customise spending controls

Set spending limits that suit your business — per transaction or monthly — for you and your team.

You’ll get instant alerts when someone is close to reaching their limit, so you’re always in control.

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Rebecca Alford Finance Director At Capital On Tap

Good expense management is important for small businesses because it helps control costs, improve cash flow, and ensure every pound is used effectively. With our smart expense management tools, your business can run efficiently and focus on growing.

Capital On Tap Business Credit Card Team And Roles

Create users with personalised access

Easily share financial tasks with our team management tool.

Give your bookkeeper, accountant, or staff the right level of access. You decide what each person can see and do in the account.

Apply now
Capital On Tap Business Credit Card Transaction Details

Smart expense categorisation

Your Capital on Tap Business Credit Card automatically categorises expenses based on the merchant, making tax season easier.

Add personalised notes to any transaction for better expense tracking.

Capital On Tap Business Credit Card Receipt Upload

Attach receipts to transactions

Easily upload and store receipts within your account by attaching them to each individual transaction. 

Never lose a receipt again, and keep everything organised for tax documentation.

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, so you always know what’s being spent.

Easily stay on top of staff spending, no matter where you are.

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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.

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Preload your balance

Need to cover a bigger expense than your card limit allows? Preloading lets you top up your account with your own money to cover the difference.

Your preloaded funds are used first, so you can complete your purchase smoothly and still earn 1% cashback on the whole amount.

If you’re a Pro customer, you’ll earn an even better 1.25% cashback on the extra money they add, giving you more rewards

Apply now

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Get started with no annual fee. Decision in 2 minutes.

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Frequently asked questions

Expense tracking means keeping a record of your business spending. This helps small business owners stay within their budget and make smart investment choices.

Tracking expenses is key for small business owners. It helps you control your money, stick to budgets, and spot chances to save. By keeping an eye on your spending, you can plan better for growth and avoid surprises.

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.

Expense management is how you organise and control business spending. It means tracking, checking, and improving how you spend, so you can cut costs, avoid overspending, and make better financial choices.

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

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.

Using expense tracking software or apps can save you hours. These tools automatically record and store your spending, let you upload receipts easily, and give you clear reports. This means less manual work and more time to focus on your business.

Page last reviewed on 24 June 2025

by Arianna Colomb