What are Karta's fees?

Karta's pricing typically includes a free or low-cost entry tier with paid plans for advanced features (advanced approval rules, multi-entity, premium integrations). Card-issuance and FX charges are competitive with Brex and Ramp. Confirm the latest pricing on Karta's site — corporate-card pricing is rarely fully disclosed publicly.

What are the best Karta alternatives?

Brex (best for VC-backed US startups), Ramp (best free expense management with savings recommendations), Pleo (best for European SMBs), and Moss (strong DACH-region competitor) are the main alternatives. For agencies under 5 people, Revolut Business is often a simpler choice.

Karta Review (2026): Corporate Card & Expenses – Brex & Ramp Compared

Q: Is Karta good for freelancers?

No — Karta is built for teams and agencies (3+ people) that need shared corporate cards, expense workflows, and accounting integrations. Solo freelancers should use Wise Business, Revolut Business, or Mercury instead, which are cheaper and don't require team-management overhead.

How much does Karta cost?

Pricing for Karta's corporate card platform isn't publicly listed, and potential users should request a quote directly from Karta. Expect fees related to card issuance and foreign exchange, but verify these details on Karta's official site before making any commitment.

Last verified May 2026 · Feebite Editorial · Not affiliated with Karta · Verify pricing on official site before committing

In one sentence: Karta offers a promising corporate card and expense management solution for small to medium-sized businesses, but lacks the market recognition and transparency of competitors like Brex and Ramp.

Quick Verdict

Rating: 3.5/5
Best for: Small teams and growing startups
Not ideal for: Solo freelancers who don't need a corporate-level expense solution

Fees Breakdown

Fee Type	Details
Monthly Fee	Pricing not publicly listed — request a quote
Card Issuance Fee	Verify on Karta's site
Foreign Exchange Fee	Verify on Karta's site
Additional Fees	Verify on Karta's site

Key Facts

Category	Details
Account Type	Business
Card Type	Visa
Country Availability	Global
Founded	2020
HQ	London, UK
Banking/Issuing Partner	Verify on Karta's site
Accounting Integrations	Xero, QuickBooks, NetSuite

Karta vs Brex vs Ramp vs Pleo vs Moss

Feature	Karta	Brex	Ramp	Pleo	Moss
Monthly Fee	Request a quote	Free	Free	Request a quote	Request a quote
FX Fee	Verify on site	1%	0%	Verify on site	Verify on site
Cards Included	Virtual + Physical	Virtual + Physical	Virtual + Physical	Virtual + Physical	Virtual + Physical
Accounting Integrations	Xero, QuickBooks, NetSuite	QuickBooks, Xero	QuickBooks, Xero	Xero, QuickBooks	Xero, QuickBooks
Best for	Small teams	Startups	Cost-conscious teams	SMEs	SMEs
Free Tier	Not listed	Yes	Yes	No	No

Pros

Offers both virtual and physical cards for flexibility
Multi-currency support is ideal for global transactions
Integrates with popular accounting software like Xero and QuickBooks
Streamlines expense management for growing teams
User-friendly interface that simplifies onboarding
Customizable spending limits for better financial control
Automated expense capture reduces manual entry errors

Cons

Less established than Brex and Ramp, which may affect trust
Pricing transparency is lacking — requires direct inquiry
Limited fit for solo freelancers; built for team use
No free tier, unlike some competitors
FX fees and card issuance costs need verification
Smaller support network compared to larger competitors
Potentially slower feature updates due to smaller scale

Real Use Case: A 5-Person Agency Switching from Personal Cards

Imagine a 5-person digital marketing agency drowning in personal card receipts and manual expense reports. By switching to Karta, they can issue corporate cards to each team member, automate expense capture, and integrate seamlessly with their existing accounting software. This transition eliminates the chaos of tracking individual spending and simplifies financial management, allowing the agency to focus on growth rather than paperwork.

Who Should Use Karta

Small teams (3-30 members), agencies, and scaleups looking for a robust expense management system that integrates well with accounting software should consider Karta.

Who Should Skip It

Solo freelancers and very small businesses may find Karta's offerings excessive for their needs. Alternatives like Wise or Revolut Business provide simpler, cheaper solutions for individual entrepreneurs.

How to Get Started

Visit Karta's official website.
Request a quote to understand pricing and fees.
Sign up for an account and complete the onboarding process.
Issue virtual or physical cards to your team members.
Integrate Karta with your accounting software.
Set spending limits and automate expense tracking.

Frequently Asked Questions

Is Karta good for freelancers?
Karta is primarily designed for small teams and businesses, making it less suitable for solo freelancers who might find cheaper alternatives more fitting.

What are Karta's accounting integrations?
Karta integrates with popular accounting platforms like Xero, QuickBooks, and NetSuite.

How does Karta compare to Brex?
Karta offers similar features but lacks the market presence and free tier that Brex provides.

Does Karta support multi-currency transactions?
Yes, Karta supports multi-currency transactions, making it ideal for businesses with global operations.

Are there free cards available with Karta?
Karta does not list a free tier; users should inquire directly for detailed pricing.

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