Once you have received your Expend card, it needs to be activated before you can use it. This is done in two steps:
Step 1: Verify your card details and get your PIN in the Expend app
Step 2: Do a Chip and PIN transaction
ℹ️ Please note the following about virtual cards:
A virtual card does not need to be activated – it will be available instantly.
A virtual card does not have a PIN.
Occasionally, a virtual card may require review before it is issued. In such cases, the card may need to be activated when it becomes available.
1. Verify your card and get your PIN
You can activate your card in the web app or the mobile app. However, you can get your PIN only the mobile app.
⚠️ You must wait until you have received your card before you activate it. Please ensure you have it before proceeding.
Activate your card in the mobile app
Ensure that you are logged in to your Expend account.
Tap Cards at the bottom of the screen and go to the card you need to activate.
Tap Activate Card and confirm.
To get your PIN, tap Retrieve PIN.
Activate your card in the web app
Ensure that you are logged in to your Expend account.
In the menu on the left, click Expend Cards.
Go to your card, click Activate Card, and confirm.
If you don't see your card
Ensure you logged in the with correct details.
If you are a member of more than one organisation, ensure that the correct organisation is selected.
In the mobile app, tap the icon in the top left corner. The current organisation is shown at the top. To change, select the organisation name in the list.
In the web app, click the dropdown list in the top right corner to check the current organisation or change it if necessary.
2. Do a Chip and PIN transaction
In order to fully activate your card, your very first transaction should be performed at a standard chip and PIN terminal where you insert your card and enter your PIN. After this, all types of payment (including contactless) will be available.
You can get your Expend card’s PIN in the mobile app: go to Cards, go to your Expend card, and tap Retrieve PIN.