Understanding your Wallet

By clicking on ["View my wallet details"] you can have access to a real-time view of your wallet and spending. You can also access it by clicking on ["Settings" > "Your wallet"].


Your Spendesk wallet is organized according to three sub-sections:


Available funds are funds available to make new requests of virtual cards, reloading physical cards, and reloading your subscription budgets at the beginning of the month.

"Loaded on cards"

The amount marked as "loaded on card" is money taken to your company account and transferred onto your employees' cards. The money has not been used or spent yet. It includes

  • - The amount across your company's recurring payments cards (from your Subscriptions tab)
  • - The amount across your company's plastic cards (from your Cards tab)
  • - Any request that has already been approved (from your Requests tab) and for which the requester has already generated a card using the "get card" button.

For example: If one of your coworkers makes a request for £1,000 and then clicks on 'get card' £1,000 are loaded on a single-use virtual card during a period of 1 month, even if the requester never actual proceeds to the payment. Our single-use virtual cards are valid for 1 month from the date that they were generated.

Keep in mind:

In this example, if the requester never actually proceeds to the payment, controllers/account owners can manually delete the unused request.

Good to know:

In the [Requests] tab, not all requests "block" money of your wallet, only those for which the members have clicked on 'Get Card', asking for a card to be generated.

"Pending transactions"

Pending transactions are amounts being processed by the merchant once a requester has made a purchase (the payment line should appear in the "pending transactions" section of the Payments tab).

When it comes to pending transactions, the funds are momentarily blocked by the merchant to ensure that you are using a valid card — they will charge the card soon. Once charged, the payment line will move to the "Payments of the Month" section of the Payments tab. Otherwise, the related line will expire within 18 days.


More information:

At Spendesk, we always ensure that there is an additional +2€/£/$ loaded on each card for security measures and to compensate for pre-authorization from merchants.

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