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Spend smarter with effortless expense management

All your spending, in one place

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Features

Capitalize on a full suite of finance tools built to modernize expense management

Helping you stay on top of company spending with real-time visibility

Set spending rules

Control spending before it happens with predefined budgets

Assign a budget and expiration date to every card
Give employees cards with policies built-in to prevent unapproved spending
Avoid overspending and unauthorized vendor charges

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Submit expenses on the go

Mobile receipt capture to easily reconcile employee expenses

SMS and email notifications prompting employees to add receipts
Eliminate manual expense reports in Excel
Speed up month end reconciliation

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Invite employees with different roles

Bring Accountants, Finance Leaders and Employees into the platform with customizable permissions

Entrust more finance tasks to your team while keeping control over spending in real-time
Empower employees and hold them accountable
Provide visibility to all necessary stakeholders

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Accelerate reconciliation by syncing data with your accounting software

Automatically keep your books current for a faster close and an up-to-date view of your company’s financial condition

Capture expense details as they happen
Automatically record receipts and memos to an easily retrievable audit trail

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Go global

Streamline your banking with one platform

Everything you need to build a global and growing business

200+

Supported Countries

Countries where you can pay vendors and partners

30+

Transfer Currencies

Currencies supported for global bank transfers

Account Currencies

Open accounts in CAD, USD,
GBP & EUR

OUR PLATFORM

The card is just the start

Vault offers you a complete suite of finance products designed to save you both time and money

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Multi-Currency Accounts

Set up accounts in CAD, USD, GBP and EUR. Become a local without managing multiple entities.

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Best FX Rates

Get the best FX rates in Canada. Zero hidden fees. Transparent rates. Save your business time and money.

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Accounting Integrations

Seamlessly integrate Vault with your accounting systems and consolidate your finance stack.

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"We love Vault! It took maybe 5 minutes to set the account. We use a virtual credit card for every vendor we use, as a Cyber Security provider we feel it’s the same principle as using separate passwords for every site. I highly recommend Vault and have also recommended to some of our clients!"

Andy Larin

CEO, AllCare IT

"Sending domestic and international wire transfers with no fees has saved my business hundreds of dollars per month. My old bank charged $20 for each wire that I sent and I could only send $10,000 at a time. With Vault, I pay no wire transfer fees and I don’t have to send multiple wires to pay one invoice."

Nathan Nasseri

Founder & CEO, ResVR

“Vault’s solution clearly differentiates from that of major banks and credit card companies in its agility, cost efficiency, and operational simplicity. In comparison to other similar fintech companies, Vault’s customer service is substantially ahead of that of their competitors from our experience.”

Tony Lam

CEO, Hook + Ladder Digital

Frequently asked questions

Everything you need to know about the product and billing.

View All FAQ

Join 3,000+ businesses banking with Vault today

Streamline your business banking and save on your spend and transfers today

Open Account

Vault Mastercard Charge Card is issued by Peoples Trust Company under licence from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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Vault Payments Inc. is registered as a money service business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number M22941967.

Vault is currently not available to businesses in Quebec.