Australia
activeFeaturedBusiness banking
- HQ
- Singapore
- Fee
- Account often free
Archa
Australian business credit cards with no personal guarantee.
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6.9Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Archa is not a bank. Your money sits with Archa Limited (card issuer).
If it fails?
Not a deposit product — no FCS
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Subscription + interest-free periods on the card
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.9
/10 · Mixed
Do not list Archa next to Up as a bank. List it next to Ramp as spend. The no-PG Mastercard is the review.
What it is
Archa issues business credit cards and spend software in Australia. It is not an ADI. The Financial Claims Scheme does not apply. Founders search for it under ‘business banking’ anyway, so it lives in this vertical with that warning on the card.
Best for: Australian operators who want a company card without a director guarantee.
Last checked 2026-08-01. Not advice.
What it does well
- +No PG is the pitch that wins
- +Mastercard virtual cards
- +Local support
What to watch
- −Not a bank
- −Credit is credit
- −AU-only
Who holds the money
The account
- Platforms
- Web · iOS · Android
- Account types
- Business credit cards · spend
- Minimum balance
- A$0
- Lowest monthly fee
- No personal guarantee cards; plan-based
- Who can open
- Australian companies
- Availability
- Australia
How money actually moves
- Who holds the cash
- Issued / held via Archa Limited (card issuer)
- How money moves
- In-app ledger
- Built for
- Business
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Archa lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not a deposit product — no FCS
Who holds the money: Archa Limited (card issuer)
- ASICCredit / spend platform (not an ADI) · Australia
Fees
- Monthly
- Subscription + interest-free periods on the card
- FX markup
- FX on overseas card spend
- ATM
- Credit card, not an ATM product
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Business Mastercard
- No personal guarantee (eligibility)
- Virtual cards
- Spend controls
- Accounting sync
Score
- Safety25%
- 6.8
- Fees20%
- 7.4
- Features15%
- 8.0
- App15%
- 8.2
- Global15%
- 3.8
- Support10%
- 7.6
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is Archa a bank?
Archa is filed as Credit / spend platform (not an ADI). The named regulator is ASIC. Still read the entity on the statement before you send money.
02What happens to money in Archa if it fails?
Archa is a spend and credit platform, not an ADI. There is no FCS deposit on this file.
03What does Archa charge each month?
The monthly fee on this file is Subscription + interest-free periods on the card. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
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- New York
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- London
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