Business card platform in Austria with a separate card for every employee under one account

Vivid Business looks like the closest match: it’s available in Austria and lets you issue separate physical or virtual cards for employees under the company account, with per-card spending controls. Its site says the first physical card for each team member and virtual cards are free. (vivid.money)

Other options:

• Holvi — business account plus team cards and expense management; includes up to 25 employee cards. (holvi.com)
• Erste/Sparkasse George Business — a strong fit if virtual cards are enough; create cards for individual employees and set spending limits. (sparkasse.at)
• Raiffeisen corporate cards — better to investigate if you specifically want bank-issued credit cards; the company can have multiple employee cards under one framework agreement. (r-card-service.at)

Short answer: Try Vivid for straightforward employee cards; Holvi if built-in expense management is a priority. Check account eligibility, fees, and whether you need physical cards before signing up.

Several providers fit this. The strongest Austria-specific options are Pleo and the Erste/George virtual cards. I couldn't confirm current pricing or Austrian availability for every provider, so check each one before you commit.

Options

• Pleo: One Austrian guide describes it as a spend-management platform that issues physical, virtual, and temporary Mastercard cards to employees, with real-time approvals, receipt capture, and accounting exports. For teams, Pleo and card complete Corporate offer per-employee cards with real-time spend controls. That same guide's suggested use is teams of 3 or more employees who need decentralised spend management with per-card limits and automated accounting exports. This is the closest match to your request.

• Erste Bank / Sparkassen "Business Virtualcards" (managed in George Business): Erste's own announcement says companies can create as many virtual cards as they want, without applying to the bank for each one. Statt jede neue Karte bei der Bank zu beantragen, können Unternehmen nach eigenem Ermessen beliebig viele virtuelle Karten erstellen. Employees pay online or through Apple Pay or Google Pay, and the cards are managed in George Business. A Sparkasse page lists a price of 12 euros per month for 120 virtual cards, though that page is about a year old, so verify it. This works best if you already bank with Erste or a Sparkasse.

• Qonto: A 2026 Austrian comparison says Qonto's business cards offer individual spending limits for each employee, automatic VAT recognition and integration with accounting programmes such as DATEV. Confirm the Austrian pricing and plan details directly with Qonto.

• Moss: Moss is specialised in expense management and offers a comprehensive solution for corporate credit cards with integrated invoice management. Its site says you can distribute as many physical and virtual credit cards as you like across the organization.

• Traditional bank card programmes: Raiffeisen says you save on each annual fee from the second corporate credit card onward under one framework agreement. Its listed price is 39 euros per card per year, or 19.50 euros per card per year from the second card, but the offer is only open to Raiffeisen customers.

• Other options: Airwallex and Expensify both offer unlimited virtual employee cards, but I did not confirm that either serves Austrian businesses. Check before signing up.

How to choose

• If you want per-employee cards with receipt capture and accounting exports, start with Pleo or Qonto.
• If your company already banks with Erste or a Sparkasse, the George Business virtual cards are the cheapest route to many cards.
• If your company banks with Raiffeisen, its card programme is the lowest-cost fit.

To address your need for a business card platform in Austria that supports separate cards for every employee under one account, it is important to distinguish between corporate expense/payment cards and digital (networking) business cards, as both operate under this "one account, multiple users" structure.

1. Corporate Expense & Payment Cards

If you are looking to issue Mastercard/Visa debit or credit cards to employees for company expenses (where each employee has their own card but all are linked to one central business account), the following platforms are popular in Austria:

• Holvi: A leading option in Austria specifically designed for businesses. You can manage one main business account and issue individual physical or virtual debit Mastercards to every employee. You can set individual spending limits, lock/unlock cards instantly, and employees can upload receipts directly via an app, which syncs with the main account for accounting purposes.
• Moss: Provides corporate credit cards for teams across Europe. It allows for unlimited virtual and physical cards, comprehensive spend controls, and direct integration with accounting software, making it highly scalable for larger teams.
• Soldo: A prepaid expense management platform widely used in Europe. It allows you to issue individual cards to employees, set custom budgets, and gain real-time visibility into spending across the whole company from one central dashboard.
• George Business (Erste Bank/Sparkasse): If you prefer a traditional Austrian banking solution, the "Virtualcard Manager" within the George Business platform allows administrators to create and manage multiple virtual business cards for employees under one collective invoice/account.

2. Digital Networking Business Cards

If you are looking for digital/NFC business cards for networking—where each employee has a personalized digital profile but is managed under a single corporate dashboard—these platforms are well-suited for Austrian companies:

• baningo: A platform with a strong presence in the DACH region (Germany, Austria, Switzerland) specifically designed for managing digital business cards for teams centrally.
• ClickMe: Offers an enterprise platform that allows for centrally managed employee profiles, reusable corporate design templates, and consistent branding. It is designed to scale from small teams to large organizations.
• vCard Pro (by Unitag): Allows you to create a master template for your brand and distribute cards to employees, who then fill in their personal details while you maintain control over the overall corporate identity.
• FalconCard / SimplyCard: Both offer platforms for businesses to manage digital profiles for their entire team in one place, ensuring consistent branding and easy updates when employee details change.

Summary Recommendation

• For Expenses: Choose Holvi if you want a user-friendly, all-in-one business account and card solution tailored for the Austrian market, or Moss/Soldo if you have more complex, high-volume expense management needs.
• For Networking: Choose baningo or ClickMe for their specific focus on corporate branding and centralized management of employee digital identities within the European/Austrian context.

If you want one business account with a separate card for each employee, these are good options in Austria:

• Holvi Business — A straightforward fit if you also want a business account. It includes 5 physical and 20 virtual cards, each with its own spending limit; extra cards are available for a monthly fee. The listed annual-plan price is €59/month plus VAT. ⁴⁵
• Revolut Business — Offers the first physical card per employee at no cost, plus up to 200 virtual cards per team member. ⁶⁷
• Pleo — A spend-management platform available in Austria, with physical and virtual employee cards, per-card controls, and expense tracking; cards draw on a shared company fund. ¹¹²

Quick pick: Holvi if you want cards tied directly to an Austrian business account; Revolut if lots of virtual cards are the priority; Pleo if expense management and receipt capture matter most. Check current eligibility, fees, and card limits before signing up.