Virtual cards built for startups.
One virtual card per subscription. One for every team member. Everything categorised and synced to Xero automatically. Month-end closes itself.
Europe's most ambitious startups are already on Seapoint
One card per subscription. Total visibility.
One card per SaaS tool. Every subscription your company pays for, visible in one platform. Spot duplicates, cut what you don’t use, and cancel in a click. No shared card numbers, no surprise renewals.
Every card, under your control.
Issue a new virtual card in seconds. Freeze it instantly if something looks off. Cancel it for good when you don’t need it anymore. No admin, no waiting, no chasing anyone down.
Give your team visibility of their own spending.
Give every team member their own card. Admins get full visibility: transactions, treasury, reporting, and team management. Employees see only their own cards and transactions. No company balances, no other members’ data.
Your accountant’s rules. Applied automatically.
Seapoint learns from your Xero history and categorises every transaction the way your accountant already does: account code, tax rate, tracking category. Team members attach receipts directly to the transaction. Everything syncs to Xero. Nothing to clean up.
“Seapoint is an immediate win when it comes to managing cards and expenses. We used to have multiple vendors for this - now it’s all in one place.”
Automate all your startup's finances from one dashboard.
Bookkeeping
AI-powered transaction categorisation with 2-way Xero sync every 10 minutes.
Explore Bookkeeping
Reporting
Real-time cash flow, burn rate, and runway reporting across all your accounts.
Explore Reporting
Business Accounts
Multi-currency GBP and EUR accounts with local bank details. Live in 48 hours.
Explore Business AccountsWhat founders often ask us
Stop chasing receipts. Start closing your books in hours, not weeks.
Virtual cards for your team, vendors, and subscriptions. Every transaction pre-categorised and synced to Xero. Included with your Seapoint account - no per-user fees.