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Sparados Pricing

Sparados virtual cards for 0 EUR! Use our business expense management platform and issue unlimited corporate cards! Learn about other fees below and choose the option tailored to your company's needs! If you need a personalized offer, contact our advisors today!

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Card Price List

Corporate Cards

0 EUR per card

  • 20 EUR per account

  • 0 EUR per card user 
    (up to 5 users)

  • 1 EUR per card user 
    (from 6 users)

0% FX

  • 20 EUR per account

  • 2 EUR per card user 

Lunch Cards

0 EUR / card

0 EUR / account

0 EUR / user

Commissions:

1-3% of the top-up amount

Individual pricing

Contact our advisors today to receive a personalized offer!

Extra Services Price List

Usługa
Karty firmowe
Karty lunchowe
Card design preparation and configuration
100 EUR one-time fee
Individual pricing

Web app personalization (your own email templates, internet domain, and your own branding)

2,500 EUR one-time payment
Individual pricing
Maintenance and hosting of a personalized web app
1,000 EUR/month
Individual pricing

BASIC API Integration (Card and Transaction Management)

0 EUR

-

SIMPLE API integration (card assigment & transaction history) +  branded web app, email/sms, and your custom domain

500 EUR/month

-

FULL API integration  (card assignment, user registration, transaction history, card data  transfer, 3DS & Apple/Google wallet OTP code delivery )

2 000 EUR/month

-

Service

Corporate cards

Lunch cards

Transaction Fees
and Free Services

Prowizje i usługi
Karty firmowe
Karty lunchowe
Currency exchange
3% of the currency transaction amount
-
ATM cash withdrawal
1.5% of amount withdrawn

-

Mastercard ID Theft Protection alerts
0 EUR
0 PLN
Internal transfers
0 EUR
-
Elixir transfers (PLN)
1 PLN
-
Express Elixir transfers (PLN)
1,5 PLN
-
SEPA transfers
0.5 EUR
-

In individual cases, there are rates agreed with the customer on a case-by-case basis.

Corporate cards

Lunch cards

Fees and services

Available Features

Funkcja
Karty firmowe
Karty lunchowe

Instant card issuing

Multifunctional admin panel

User-friendly mobile app

Open developer API

Unlimited number of virtual cards

Unlimited number of users

Unlimited number of accounts in different currencies

Currency exchange

Integration with accounting systems

Card/app personalization

Contactless payments

Google Pay/Apple Pay payments

3DS payment confirmation

Card naming option

Invoice/receipt scanning

Receipt upload reminders

Transaction description

Individual card limits

Card freezing and closure control

Card merchant restrictions

Card acceptance management

Account top-up via bank transfer

Expense management

User roles and permissions

Real-time transaction view

Report export (Excel, CSV, PDF)

Simple registration

Onboarding assistance

24/7 support

Live chat, email contact, help center

Automatic linking of card transactions with e-invoices from KSeF (free of charge)

Corporate cards

Lunch cards

Feature

FAQ

See how our clients
are saving money

Recommend
Sparados and earn

Save your team's time and gain control over expenses!

SPARADOS - TIME-SAVING AND FULL CONTROL

Sparados S.A.

Sparados SA with headquarters in Lublin, at 17A Rusałka St., 20-103 Lublin, entered into the register of entrepreneurs of the National Court Register with the KRS No. (National Court Register No.): 0000985680, NIP (Tax ID No./VAT Reference No.): 9462719635 and REGON (Business ID No.): 522752701, with a fully paid share capital of PLN 336 704.

 

Data Protection Officer: Weronika Dawidzka

Email: [email protected]

​

Contact: +48 781 761 200

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© 2026 Sparados. All rights reserved.

European Funds for Smart Growth
NCBR – National Centre for Research and Development
European Union – European Regional Development Fund

Designed by

Sparados S.A. (Tax Identification Number/NIP: 9462719635), with its registered office in Lublin at ul. Rusałka 17A, 20-103 Lublin, is neither a payment service provider nor a payment institution within the meaning of the Act of 19 August 2011 on Payment Services. The Company does not hold an authorization from the Polish Financial Supervision Authority (KNF) to provide payment services, does not hold user funds, and provides solely a technological platform for expense management and integration with third-party payment service providers.

Payment services, including the maintenance of accounts, issuance of payment cards, and execution of transactions, are provided by appropriately licensed payment service providers operating within Europe, in accordance with applicable laws and under the supervision of relevant regulatory authorities.

The use of payment functionalities is subject to the acceptance of the terms and conditions of the respective payment service provider. The agreement for the provision of payment services is concluded directly between the user and said provider.

Sparados S.A. shall not be held liable for the execution of payment transactions or for their settlement between the user and the payment service provider. The Company acts exclusively as a technology solution provider enabling access to these services.

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