A budget is a spending limit that one or more people can pay against within your organisation. It sits on top of your account balance as a layer of permission and control, not a separate pot of money. A payment only goes through when both the budget's own limit and your account balance have room to cover it.
How It Works
- Flexible top-up cadence: Choose how often a budget resets: daily, weekly, fortnightly, monthly, quarterly, annually, by financial year (AU July, NZ April), or one-time for a single project, event, or campaign.
- Shared or individual limits: Split a budget across your team as one shared limit, or turn on individual card limits so each person's spend is tracked, capped, and topped up separately.
- Multiple payment types: Use a budget for card payments, Accounts Payable bills, and reimbursements, or restrict it to specific types with Limit payment types.
- Ask for more anytime: Running low, or used up a one-time budget? Request an increase from the mobile app or web; your Approval Rules decide who signs off.
- Budget Owners keep control: Budget Owners approve requests to raise a budget's limit or a cardholder's card limit, and can see every transaction charged against it.
- Automatic status tracking: A budget stays Active by default, or moves from Scheduled to Active to Archived on its own if you set start and end dates; archived budgets can't be paid from or edited, though history stays visible.
Good to know
- Weekly budgets reset Monday, Sydney time, including for New Zealand businesses, and monthly budgets reset on the 1st; every automatic reset runs on an hourly check rather than the exact moment it's due.
- A top-up request only changes the current limit, it doesn't touch the budget's regular recurring amount or schedule. If you're the approver yourself, it may go through immediately unless "prevent self-approval" is turned on for your business.
- Your effective payment types are whatever overlaps between your own account access and the budget's restrictions, so someone with card access can't spend from a budget limited to Accounts Payable only.