Spendbase
Spendbase is a B2B expense / corporate issued on Mastercard, rated 6.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Spendbase is the strongest fit for app store / play and free issuance, and asks for business KYC at signup — we carry it at low-medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Spendbase · B2B Expense / Corporate |
| Official site | https://spendbase.co |
| Best for | App Store / Play · Free issuance |
| Network | Mastercard |
| Rating | 6.2/10 (3.0★, 442 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | 0 |
| Monthly / annual fee | 0 |
| FX / conversion fee | 1% (cross-currency card transactions) |
Verification and risk
| KYC required | Yes (KYB for business) |
| Risk level | Low-Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (12 currency accounts) |
| Alipay / WeChat Pay | No |
| Cards per account | 100 (free tier) |
Billing
| Billing address | EU General |
| Billing country | US, UK, EU, multi |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (Google/Apple Pay, coming soon) |
| Meta / Google Ads | No |
What the issuer states on its own site
- Open accounts in 12 currencies from anywhere in the world.
- Get your free Spendbase account and start your registration straightaway!
- Multi-currency IBANs (USD, EUR, GBP, and 9 more)*.
Source: https://spendbase.co.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 513165 | Mastercard | United States | Credit | 150 | 109 | 72.7% |
We logged 109 cleared charges out of 150 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Spendbase cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0; conversion is priced at 1% (cross-currency card transactions). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Spendbase?
Spendbase asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (KYB for business)
How can I fund Spendbase?
You can fund it with bank transfer (12 currency accounts). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Spendbase need?
Setting it up: the billing address type is EU General; cards are issued against US, UK, EU, multi; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Spendbase work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Spendbase trigger 3-D Secure?
Yes. Spendbase supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Spendbase?
The issuer allows 100 (free tier). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.