You don't have a physical card yet, or your current one is lost, stolen, damaged, or blocked. This article explains how to get one, whoever you are.
For: Requesters, Account Owners, and Administrators.
Before you start
Only Account Owners and Administrators can order, reissue, or cancel a physical card.
Requesters can't order their own card — they must ask an Admin.
Physical cards are free to order. Spendesk doesn't charge for the card or its delivery.
Each team member can have one physical card, linked to their own email address. Cards can't be shared.
Download the Spendesk mobile app to manage your card on the go (optional but recommended).
Get your first physical card
As a Requester
Contact your Account Owner or Administrator to request a physical card.
Send the request from the email address linked to your Spendesk account, or log in to Spendesk to make the request. This confirms it's really you.
As an Account Owner or Administrator
Navigate to Cards > Physical cards.
Click "Order a new card."
Enter the cardholder's name.
Set a budget (optional).
Toggle on monthly automatic reload, if needed.
Toggle on cash withdrawal authorization, if needed.
Enter the delivery address (workplace, home, or another location).
Click "Confirm" to place the order.
Warning: You can't change the delivery address once you confirm an order. Cancel the card and reorder it if you need a different address. Also avoid special characters like ä or ø in the address — our card partner may not process them correctly.
Tip: You can order a card for a team member who has been invited but hasn't confirmed their account yet.
You'll typically receive the card within a few days in Europe, or around 1–2 weeks in the US. Delivery time can vary by location.
Replace a lost, stolen, or damaged card
Go to the Card tab (or My Card in the mobile app).
Mark your card as lost, stolen, or damaged.
Contact your Account Owner or Administrator.
Ask them to reorder a new card. This is free of charge.
Confirm the delivery address if you want the card sent elsewhere.
Warning: Marking a card as lost or stolen permanently deletes it. You won't be able to reactivate it.
Activate and start using your new card
Go to the Card tab and click "I received my card" to activate it.
Learn your PIN code in the Card tab or the mobile app.
Activate contactless payments by making your first payment with your PIN.
Update your saved payment method on websites where you shop regularly, if online payments are enabled on your card.
Note on PIN codes:
If your company is based in the US, you can set your own PIN directly in the mobile app.
If your company is based in the EEA or UK, your PIN is assigned automatically and can't be changed.
Note on online payments: We recommend using a recurring virtual card for online purchases instead of your physical card, for better security.
Troubleshooting
Symptom: Your card is blocked after entering the wrong PIN three times.
Cause: Repeated incorrect PIN attempts lock the card's chip for security.
Resolution: Ask your Account Owner or Administrator to reorder your card. A blocked chip can't be reset remotely.
Symptom: You haven't received your card after two weeks.
Cause: The delivery address may be incorrect, or the shipment may be delayed.
Resolution: Check the delivery address in the Card tab. If it's correct and the estimated delivery time has passed, ask your Admin to reorder the card.
Symptom: Your card is activated but doesn't work at checkout.
Cause: This is usually due to an insufficient balance or a merchant restriction.
Resolution: See Your physical card is activated but doesn't work for detailed steps.
FAQs
Can I order a card for a team member who hasn't confirmed their invite yet?
Yes. You can order a physical card for an invited member even before they confirm their account.
Can I use my physical card for online purchases?
Yes, if online payments are enabled on your card. We recommend using a recurring virtual card instead, for better security.
Can I change my PIN code?
Only if your company is based in the US. You can set your own PIN in the mobile app. In the EEA and UK, the PIN is assigned automatically and can't be changed.
Is reordering a card free?
Yes. Spendesk doesn't charge for physical cards or their delivery, including replacements.