The ultimate multi-currency business debit card

Our mobile app gives you full control over your business debit card and simplifies company expense management – all from your phone.

Debit Card Control:
Activate, block, or manage your team members’ business debit cards in real time. Set spending limits, enable/disable ATM use, and control team cards instantly for secure, flexible expense oversight.

Effortless Accounting & Expense Management:
Attach receipts, add VAT rates, categories, and notes to transactions – right from your phone. Ideal for accurate accounting and seamless global expense workflows.

Secure & Informed:
Stay informed and protected with real-time transaction notifications and robust 2-factor authentication.

Whether you’re using an iOS or Android device, getting the amnis App is quick and easy. Simply visit the App Store (for iOS devices) or Google Play Store (for Android devices), search for “amnis,” and follow the prompts to install the app on your device. Once installed, you’ll have access to all the powerful features our mobile app has to offer.

Alternatively, visit this article in which we explain the above process of downloading the amnis mobile app step by step.

amnis business debit cards – available as both physical and virtual cards – offer full flexibility and control over company spending across teams, projects, and borders.

With unlimited virtual debit cards available at no cost, you can issue individual cards for employees, departments, or projects in seconds. Since there are no expenses for physical production or shipping, this approach is cost-effective and ideal for clear, accountable spending.

Each card helps assign ownership to specific payments, simplifying reconciliation, speeding up accounting processes, and improving overall expense management. For in-store or ATM use, our physical business debit cards provide the same benefits with global acceptance and 0% FX fees.

amnis gives you full control over every business debit card across your team – combining real-time visibility, flexible spending rules, and intuitive role management to simplify company expense control at scale.

Card groups
Organise company debit cards by team, department, or project. Assign group managers and set shared limits to stay on budget. This consolidated approach offers managers a clear budget overview within a single dashboard.

Learn all about card groups here – the smarter way to manage your team’s expenses.

Spending limits
Set daily, monthly, or global spending limits for individual cards or card groupsto prevent overspending and reduce fraud risk. Enjoy the benefits of prepaid cards without the need to top up each Card. They are all connected to the same overall balance, and spending is controlled through customisable limits.

Restrictions
Enforce geoblocking to limit card usage in specific countries and restrict cash withdrawals or certain merchant types, automating expense control and averting misuse effectively.

De- and reactivation
Flexibly suspend and reactivate your business debit cards with one click, perfect for scenarios like one-off purchases or in between business travels, preventing unauthorised usage.

User roles
Assign team roles to define payment ownership and budget responsibilities. For example, card administrators enjoy unrestricted access to a comprehensive card overview and card settings, while card group managers oversee all cards assigned to their designated group. Debit cardholders, typically employees with the exclusive right to use their own card, have access to their transaction history and can block their card in case of loss or suspected fraud.

Thus, the amnis business debit card solution ensures transparency for managers, enforces team limits, and gives cardholders access to their transaction history.

Smaller-sized companies often streamline their expenses by relying on a single company card for all transactions. While this may simplify matters on the surface, it presents its own set of challenges.

Typically, only the company owner or an accountant has access to the card transactions, leaving responsible team members in the dark. They lack real-time visibility into transactions, including the status of subscriptions. This leads to a monthly ritual of accountants seeking payment details from various departments, resulting in inefficiency and potential errors in record-keeping. Besides the administrative burden for accountants, sharing card details and security codes poses an immense security threat for the company.

Empowering your employees with amnis cards ensures secure access to funds, enabling teams to make necessary on- and offline purchases, while adhering to predefined limits and simplifying bookkeeping. This combination of freedom and control fosters a work environment where responsible financial decisions become second nature.

The lack of structured expense management often leads to multiple company cards floating around, resulting in confusion with numerous subscriptions, unclear ownership and time-consuming reporting. In such cases, funds are often wasted, as no one can trace the origin or purpose of these expenditures. Issuing multiple cards without a cohesive strategy can also lead to duplicate subscriptions or missed discounting opportunities.

Yes, mass ordering business debit cards for your team is simple and efficient with amnis.

Your dedicated account manager will provide you with a user-friendly template to easily input all essential information, including cardholder details. Your account manager will then initiate an automated internal process to seamlessly order and issue the business debit cards, completely removing the need for manual card ordering within the system.

Once this process is finalised, you’ll receive a notification via email, and you can conveniently access and manage all your business debit cards directly from your amnis dashboard.

With an amnis business debit card, you benefit from 0% foreign exchange (FX) and transaction fees – helping your business save significantly on international payments.

You can choose how transactions are settled: either in the merchant’s currency or your card’s currency, depending on your accounting preferences and cash flow setup. Regardless of the method, amnis ensures no FX markup or transaction fees, as long as your selected currency wallet has sufficient funds.

This can lead to savings of 3–5% on major currencies – and even more with exotic ones – compared to traditional business debit card providers.

Merchant’s currency
If you hold funds in the currency you’re spending, your business debit card transactions are debited directly from that wallet – no conversion, no fees. This is ideal for international teams with multi-currency needs.

Card currency
All transactions are processed in your predefined card currency, which is typically the currency of the country where your card was issued, and debited from the corresponding wallet. Importantly, for card payments abroad, no foreign currency accounts will be opened at amnis, simplifying and streamlining bookkeeping. Plus, neither foreign exchange margins nor transaction fees will be applied to your debit card transactions, regardless of the currency involved*.

*To this end, amnis converts card transactions in foreign currencies with the daily Mastercard fixing at 0% bank fee (more about the Mastercard rates here).

When selecting the best business debit card provider, consider factors such as transaction fees, currency support, integration capabilities, and the specific financial needs of your company. amnis stands out as a notable alternative in Switzerland, offering enhanced features, cost savings, and greater flexibility.

The best business debit card provider depends on how your company uses debit cards – whether for local purchases, international travel, team expenses, or automated expense management. While most banks offer basic company debit cards, they often lack flexibility in multi-user setups, multi-currency support, and real-time budget control.

amnis is designed for SMEs that require:

• Cards issued directly to employees or departments, with no shared usage
• Centralised visibility into company spending across currencies
• The ability to define limits, user roles, and permissions without relying on manual reconciliation
• Fee efficiency for cross-border payments and travel-related use

Instead of functioning as a static payment tool, the amnis card operates as an integrated part of your finance stack – combining payment, approval, and export workflows in a single environment.
This model is particularly suited for Swiss businesses with international clients and suppliers or distributed teams, where traditional banking cards fall short in day-to-day usability and oversight.

In Germany, numerous financial institutions offer business debit cards with built-in expense management features tailored to corporate needs. When choosing the right company debit card provider, it’s important to consider factors such as integration with accounting software, real-time spending controls, multi-user functionality, and responsive customer support.

The amnis business debit card combines all these essential features – designed specifically to meet the needs of modern companies operating in Germany and beyond.

High-limit business debit cards are tailored financial tools designed for companies that frequently make large or high-volume purchases. Unlike standard debit cards, which often come with fixed daily or per-transaction limits, these cards offer elevated or customisable spending thresholds based on your business’s financial profile.

These cards draw funds directly from the company’s checking account – meaning they don’t involve borrowing or accruing interest like credit cards – but they enable much greater financial flexibility due to their enhanced limit structure.