Cover story
A simple guide to business spending policies
What belongs in a one-page spending policy, from daily travel limits to who can approve a new software subscription.
By Felix Duarte · Jan 11, 2026
Savings
Budgeting basics for small teams
Invoices
Getting paid on time: invoice tips that work
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What to look for in a business account
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Running payroll for your first five hires
Pay schedules, tax withholding, pension enrolment and the records you must keep, explained for founders hiring for the first time.
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Payments
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Paying international suppliers without high fees
Hidden exchange-rate margins can add 3% to every invoice you pay abroad. Here is how to see the real rate and keep the difference.
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Behind the scenes
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How we keep your money safe
Safeguarded funds, regulated partner banks, encryption and round-the-clock fraud monitoring: a plain-English tour of what protects your balance.
Sofia QuinnAug 13, 202601
Business accounts
A full business account with local details, opened online in about ten minutes.
- Instant notifications
- 24/7 support
- Spending limits
02
Invoicing
Branded invoices with a payment link and automatic reminders until they are paid.
- 24/7 support
- Instant notifications
- Accounting sync
03
Expense tracking
Snap a receipt and it is matched to the card payment automatically.
- Instant notifications
- Spending limits
- 24/7 support
Banking at scale, measured
The numbers behind Glowis, from money moved each year to how fast an account opens.
30+currencies supported
24/7human support
$2.4Bmoved every year
24/7human support
How it works
Open an account in four steps
Most businesses go from application to their first card payment within one working day.
- 1Step 1
Apply online
Tell us about your business in a short online form.
- 2Step 2
Verify in minutes
Upload your ID and company details from your phone.
- 3Step 3
Fund your account
Transfer money in or receive your first payment.
- 4Step 4
Start spending
Issue cards, send invoices and pay suppliers.
Pricing
Accounts and pricing
Start on the free Basic account and upgrade when you need more cards, users or integrations.
Basic
For freelancers and newly formed companies
Free
- Business account opened online
- Free local transfers
- Virtual cards and mobile app
Most popular
Pro
For small teams paying suppliers every week
$12 / month
- Business account opened online
- Free local transfers
- Virtual cards and mobile app
- Physical cards for the whole team
- Accounting sync and receipt matching
Business
For finance teams running approvals and payroll
$49 / month
- Business account opened online
- Free local transfers
- Virtual cards and mobile app
- Physical cards for the whole team
- Accounting sync and receipt matching
- Multi-step approvals for large payments
- Payroll and a dedicated account manager
Basic
For freelancers and newly formed companies
Free
- Business account opened online
- Free local transfers
- Virtual cards and mobile app
Most popular
Pro
For small teams paying suppliers every week
$120 / year
- Business account opened online
- Free local transfers
- Virtual cards and mobile app
- Physical cards for the whole team
- Accounting sync and receipt matching
Business
For finance teams running approvals and payroll
$490 / year
- Business account opened online
- Free local transfers
- Virtual cards and mobile app
- Physical cards for the whole team
- Accounting sync and receipt matching
- Multi-step approvals for large payments
- Payroll and a dedicated account manager
Before and after
Month-end, before and after
What closing the books looks like with paper receipts, and what it looks like with Glowis.
Without Glowis
- Paper forms and branch visits
- No idea who spent what
- High fees on every transfer
- Receipts lost in inboxes
- Month-end that takes weeks
With Glowis
- No hidden fees
- Bank-grade encryption
- Instant notifications
- Accounting sync
- 24/7 support
Leadership
Join the team The people behind Glowis
Omar Moreau
Chief Executive OfficerKai Kim
Risk ManagerLeo Patel
Head of Compliance