Australia
activeFeaturedBusiness banking
- HQ
- Singapore
- Fee
- Account often free
Archa
Australian business credit cards with no personal guarantee.
Rate this app
6.9Mixed
AlternativesOur take
Desk verdict
Do not list Archa next to Up as a bank. List it next to Ramp as spend. The no-PG Mastercard is the review.
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.
Archa lists Credit / spend platform (not an ADI) under ASIC in Australia. On safeguarding we currently write: Not a deposit product — no FCS. Holder / issuer line: Archa Limited (card issuer). An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Subscription + interest-free periods on the card; FX FX on overseas card spend; ATM Credit card, not an ATM product. This desk would open it for: Australian operators who want a company card without a director guarantee.
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. Desk score 6.9 / 10 (safety 6.8, fees 7.4, features 8.0, app 8.2). Last verified 2026-08-01. Headquartered in Sydney, Australia; founded 2019. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Australian operators who want a company card without a director guarantee.
Pros
- +No PG is the pitch that wins
- +Mastercard virtual cards
- +Local support
Cons
- −Not a bank
- −Credit is credit
- −AU-only
Account facts
- 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 it actually works
- Custody
- Issued / held via Archa Limited (card issuer)
- Local rails
- In-app ledger
- Built for
- Business
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- mastercard · physical · virtual · Apple Pay · Google Pay
Safety
Not a deposit product — no FCS
Holder / issuer: 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
FAQ
Is Archa a bank?+–
Archa is not a licensed deposit-taker in the classic sense. Money, if any, sits with Archa Limited (card issuer).
How is money protected?+–
Not a deposit product — no FCS
Where is Archa available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Archa.
Card and wallets?+–
mastercard · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
activeFeaturedBusiness bankingVirtual card
- HQ
- New York
- Fee
- Software + card; pricing by plan
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
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