Expense automation with The Hnry Business Mastercard

Pay for your business expenses directly from your Hnry Account.

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Your tax deductions managed as you go

When you pay for business expenses from your Hnry Business Mastercard, we automatically raise them as expenses in the app. And because we’re your accountant, we review them as you go, so you’re paying less tax throughout the year.

Stop lending money to the ATO

Get that cash flow when it matters. Raise expenses as you spend, rather than waiting till the end of the financial year for a refund. With Hnry you get control of your money earlier to spend, save, or invest it as you need.

One place for your income and expenses

Because all of your self-employed income and expenses move through your Hnry Account, our system accurately calculates your tax rate and adjusts it accordingly - so you get maximum tax relief in real time.

Your tax deductions managed as you go

When you pay for business expenses from your Hnry Business Mastercard, we automatically raise them as expenses in the app. And because we’re your accountant, we review them as you go, so you’re paying less tax throughout the year.

Stop lending money to the ATO

Get that cash flow when it matters. Raise expenses as you spend, rather than waiting till the end of the financial year for a refund. With Hnry you get control of your money earlier to spend, save, or invest it as you need.

One place for your income and expenses

Because all of your self-employed income and expenses move through your Hnry Account, our system accurately calculates your tax rate and adjusts it accordingly - so you get maximum tax relief in real time.

How it works…

Leave money in your Hnry Account via allocation or top up by bank transfer.

Use your card to make a business purchase in-store or online - we’ll raise this as an expense for you in the Hnry App.

Take a picture of the receipt and confirm a few details.

You’re done in under a minute - we’ll take care of the tax deduction from there.

Never think about an expense claim again.

It takes less than two minutes to activate your card.
It's free to use — no added fees!

Activate your card

Quick and simple expense admin

The Hnry Business Mastercard automates your expenses, but you can still raise other tax deductions in the Hnry App.

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Raise your other expenses in-app

You can still raise your expenses in the Hnry App. It works much the same - just take a picture of your receipt, enter a few details, and submit.

Expenses reviewed in real time

As your accountant, we’ll keep track of your expenses as you raise them and review them as you go - lowering your tax rate accordingly.

Know what you can and can’t claim

We’ve got lots of helpful info and resources, plus specialists for each industry to help you understand what you can and can’t claim.

Manage materials and subcontractors

You can easily account for client-chargeable expenses (such as subcontractors or materials), helping you maximise your cash flow.

How do we compare?

The Hnry Business Mastercard is included in the Hnry service at no extra cost.

Card Annual / monthly fees Transaction fees (incl. International) Top up fees
Hnry Business Mastercard Included in the service - -
Revolut Up to $28.99 per month. Fees apply for international transactions. Fees apply for top ups from credit cards issued outside of Australia.
Commonwealth Bank $4 per month. 3% of AUD amount for overseas transactions. -
National Australia Bank - 3.5% of AUD amount for overseas transactions. -
Westpac $5 per month. 3% of AUD amount for overseas transactions. -

From the Resources Hub

Sole trader guide to tax deductions

Our guide on how expenses work, and what you can and can't claim as a sole trader.

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Hnry Business Mastercards

Never miss a tax deduction again!

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What else you get…

The Hnry service
Tax lodgments
Expert support

The Hnry Account

Get your self-employed income paid into your Hnry Account, and we’ll automatically calculate, deduct, and pay the right amount of tax whenever you get paid.The rest of your money goes wherever you want it to, straight away. No reconciliations, no bank feeds. Just control of your money.

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  • As soon as my client has paid me - Hnry sends me an email telling me I just got paid. The money goes into my Hnry Account, from which Hnry deducts my Superannuation, Medicare, income tax, and GST - and then they give me the rest!

    Angela Van Wijk Freelance Photographer

  • Having Hnry pay my taxes now, it’s just carefree. I don’t have to worry about any unexpected tax bills coming my way.

    Todd McIsaac Self-employed builder

  • I can send an invoice, then the payment goes straight into my Hnry account. Hnry allocates money to my taxes, Super, Medicare and student loan, as well as GST. Within a couple of hours, I then get the rest of the money into my own personal bank account.

    Abbey Palmer Self-employed Health Professional

Unlimited features

A suite of tools at no additional cost to you.

Expenses

Your expense admin is quick and simple - raise them in-app, we’ll take it from there and keep your cash flowing.

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Invoices and quotes

Send unlimited invoices and quotes from the Hnry app. Customise them, add branding, schedule them in advance, and we’ll take care of chasing late payers.

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Allocations

Send automatic payments to savings, super, investments, or whatever - you have total control over your money.

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Payment options

Accept card payments at no extra cost to you. You can also integrate with eCommerce sites, send SMS-to-Pay, or set up a POS terminal.

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Reports

Our reports provide insights for your business, and are accepted by banks and brokers for mortgages and loans.

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Mileage

Download our separate Mileage tracking app, free for Hnry customers. Unlimited trip tracking, compliant reporting, and fully integrated with the Hnry App.

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Our reviews

Trustpilot

FAQs

There’s no need to wait for the end of a tax year - we make it simple and seamless to make the switch to Hnry. Whether you’re doing it all yourself, or you’re using a mix of software, spreadsheets and an accountant. Stop taking it all on yourself, and have Hnry do it all for you.

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It takes less than a minute to get your freedom back

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