As a freelancer or sole trader, you may have encountered a few problems when trying to get a freelancer debit card:
In this article we’re going to show you how to get a business debit card in Australia that meets your needs as a freelancer. We’ll cover:
Note: Download Parpera now to get a dedicated business debit card. Sign up in under 10 minutes and try us out for free for 30 days!
Looking to get a business debit card in the next week? Sign up to Parpera and you’ll receive your card within 3 - 7 business days.
Parpera is a one-stop financial management platform in an easy-to-use app designed for sole traders, freelancers, and small businesses in Australia.
To get a business debit card through Parpera, you only need your phone, your ABN, and one form of ID, like a passport or drivers licence. (If you don’t have an ABN yet, you can get one through the Parpera app during the sign-up process or through our website.)
After you download the app, it’s a quick 4-step sign up.
When you become a Parpera member, you’ll have instant access to a complete money management tool, including a business bank account provided by Volt and a business debit card provided by Mastercard®.
From day one of your Parpera membership, you can use your virtual business debit card (coming soon!) and see your card details and PIN. You can even add your Parpera Business Debit Mastercard® to Google Pay and Apple Pay (coming soon!) on the same day you access your account.
You’ll receive your physical Parpera Business Debit Mastercard® in 1-3 business days because we ship it via priority post.
That’s how you can get a business debit card in minutes through Parpera.
Here are the features you receive when you get a business debit card through the Parpera mobile app:
Parpera’s Business Debit Mastercard® is specifically designed for the self-employed.
At Parpera, we’ve interviewed over 2,000 freelancers, sole traders, and small business owners to create a complete money management tool based on your unique needs. This means you’ll receive services that you can use daily at a fair and transparent monthly or yearly rate.
Here are some of the main features:
Your debit card connects to your Volt digital business bank account provided through Parpera. Your Volt digital bank account is just as secure as a traditional bank account because every Volt account holder is protected, with deposits up to $250,000, under the Australian Financial Claims Scheme.
You’ll have unlimited real-time bank transfers, no hidden fees, no processing fees and no opening deposit requirement. Transfer money to your personal bank account or store savings, GST, and tax money in a special digital savings wallet (coming soon) through Parpera.
With our 30-day free trial, you don’t have to commit to yet another business expense right away. After 30 days, if you find Parpera is right for you, you can choose between two pricing types: a monthly $15 fee or get a 25% discount on our yearly $135 fee. Both are tax deductible.
And with Parpera, you’ll never have to worry about hidden fees because your membership covers use of every feature in the app. You’ll also be able to cancel your membership anytime from the app with a click of a button.
With Parpera, you can make fee-free international payments with your business debit card to help offset the costs of multiple online subscription services, which are often set in foreign currencies, like USD or GBP. You’ll even save when you pay occasional Fiverr and Upwork collaborations if they’re based overseas.
Having both a physical and virtual business debit card means you can decide the best payment method, whether it’s tap-and-go at an Officeworks store or renewing an online service from your phone when you're on the go.
And let’s face it—whether you’re working from home, travelling, or collaborating with a client in person, it’s more handy to reach for your phone with your virtual card to pay a business expense, than to pull out your physical card.
With Parpera’s in-app cash flow insights, you can understand your business income vs expenditures at a glance. You’ll have the tool you need to stick to your budget and make better spending decisions before you buy.
Because your card is just one feature in an all-in-one money management tool, you can be in complete control of your financial management with Parpera. When you become a Parpera member, you’ll receive:
Just because you’re a one-person business doesn’t mean you have to go it alone. When you become a Parpera member, you’ll receive the support you need whenever you need it.
We understand Parpera may not be for everyone. It’s always a good idea to compare your options before you decide which business freelancer debit card is right for you and your needs. Here’s a brief comparison on how to get business debit cards with the big four Australian banks.
For all four banks, you’ll first need to open a business bank account before you can request a business debit card. For more information on how to open a business account, read our in-depth article on how to open a freelancer account.
If you already have a business bank account, then requesting a business debit card is straightforward. Just request your debit card through your online banking payment platform. You’ll receive your credit card in the mail within 3 to 10 business days, depending on the bank.
You’ll still need to open a business account first, even if you already have a personal account with one of the big four. Most times, you can apply online for a business account in the same bank where you have your personal account because you’re already the bank’s customer.
However, each bank has its own procedure, so time frames will vary and some banks may require more information from you before you can open a business account and do ATM withdrawals.
Once you open a business account, you can request your business Visa debit card online.
You can either start an application online or via an in-branch visit to open a business bank account with one of the big four. Take into consideration you may need to wait up to 2 to 3 weeks before you can have both a business bank account activated that can do money transfers and a physical business debit card in your hands.
We hope this article on how to get a business debit card has provided you with the information you need to make the best choice for you and your business.
After all, you started your own business to be in control of your life and career. So being in control of your business spend with a dedicated business debit card will help you manage and grow your business with confidence.
Download Parpera now to get a dedicated Business Debit Mastercard®. Sign up in under 10 minutes.