Credit card

No, there is no cost associated with using Qred’s expense management feature.

After making a transaction with your Qred VISA, locate the expense in your recent transactions on the Qred app, tap the transaction and select to create an expense. Then take a picture of the receipt, choose which category best describes the expense and the VAT amount. At the end of every invoice period you will be provided with a report of all transactions that have been expensed.

No. You can use Qred Visa for purchases both offline and online but you cannot withdraw money from an ATM.

Qred Visa payment method benefit refers to the benefit you accrue when you use Qred Visa as a means of payment. Qred customers receive a payment method benefit for all purchases they make with Qred Visa. The benefit applies to purchases made both in stores and online.

The payment method benefit accrues to customers 1% of the total amount of each purchase. The payment method benefit is paid to Qred customers monthly by refunding the accumulated amount from the customer's monthly invoice. The payment method benefit cannot be converted into cash or otherwise made available.

Yes, Qred Visa allows you to order parallel cards for up to three employees free of charge. 

The parallel card is ordered like this:

1. Open the Qred phone app
2. Select "Account" and "Add cardholders"
3. Fill in the details of the parallel card holder

The parallel card will then be sent to the same address as the original card. The card will arrive within approximately 7-9 working days.

To ensure nobody else can use your card, it's important that you block it in Qred's app. Contact our customer service to order a new card.

Yes, you can use a Qred credit card anywhere you can pay with a Visa card. Qred adds a 2% foreign exchange surcharge for purchases made abroad. Read about exchange rates here.

You can find your card PIN in Qred's app:

1. Open the app

2. Go to the card page

3. Click on the card

4. Click 'View PIN'

You can download Qred's app from App Store or Google Play.

Qred VISA is free of charge, except for a 2% foreign exchange surcharge for purchases made in foreign currencies. There are no monthly or annual fees. When you use the card, you get an interest-free payment period of up to 45 days. We will send you a monthly bill for using the card. If you pay in one lump sum, you will not have to pay interest. If you decide to pay back the bill in instalments, a monthly interest rate starting at 1.95% will be added to the bill. Read more about the pricing of the card here.

Qred Visa is a business credit card designed for small businesses. You can use the card to make purchases for your business both in-store and online, in Finland and abroad (a 2% foreign exchange surcharge is added for purchases made in foreign currencies). There is no charge for using the card in your home country, provided you pay the bill back in one go. If you want more time to pay, you can pay the bill in instalments, in which case a monthly interest rate of 1.95% will be added to the open credit.

Activate your card in Qred's app. You can download the app from App Store or Google Play.

Click "activate my card" in the app and enter the last four digits of your card.

Apply for Qred Visa by filling out the application form here! The card is free of charge and you will receive it in the mail in 7-9 business days.