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Circula review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Circula is a business credit card for people who want expenses and receipts sorted by the card itself, with virtual and physical cards and a real-time overview built in. It scores 1.7 on the site, and the 2% currency conversion fee is the weak spot for travel.

Key facts

Best for
German businesses that want receipts, expenses and cards handled inside the card itself
Monthly fee
€99 (Source, checked September 26, 2026)
Currency conversion fee
2% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Circula GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Virtual card, Travel
Audience
Business
Official website
circula.com

Credit cards

Currency conversion fee
2% (Source, checked September 26, 2026)
Perks
Apple Pay, Google Pay, Virtual and physical Visa cards, 750,000 EUR transaction limit per card, Unlimited number of cards, Real-time transaction overview, Automatic expense creation, Visa 3D Secure, Automated receipt matching to card transactions (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Circula GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Virtual card, Travel
Audience
Business

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • Expense admin is built into the card: automatic expense creation, receipt matching to card transactions and a real-time overview, all under Apple Pay, Google Pay and Virtual and physical Visa cards.
  • Virtual and physical Visa cards are both offered, and Apple Pay and Google Pay come with them, per Apple Pay, Google Pay and Virtual and physical Visa cards.
  • Visa 3D Secure sits in the same list, alongside an automatic expense workflow that cuts the admin around it.
  • It is a credit card on the visa network for business users, so it fits ordinary business purchasing.

Cons

  • The €99 monthly fee is the price of the expense tools, and it places Circula at 418 of 419 brands on that measure.
  • A currency conversion fee of 2% on foreign spending, which puts it at 160 of 259 brands compared on that measure.
  • Support runs on chat, email and help centre, with no phone channel among them.
Circula

Ready to try Circula?

Scored 8.8 / 10 by DebitCue.

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Who it suits

  • Small businesses that want receipts matched to card payments and expenses created automatically, both listed under Apple Pay, Google Pay and Virtual and physical Visa cards.
  • Teams that want virtual and physical Visa cards with Apple Pay and Google Pay, per Apple Pay, Google Pay and Virtual and physical Visa cards.
  • Anyone who wants a live view of card spending rather than a monthly statement, as offered under Apple Pay, Google Pay and Virtual and physical Visa cards.

Who should look elsewhere

  • Anyone after a free monthly fee, since Wise charges £0 and Monzo Flex charges £0.
  • People who only want a UK credit card and a free monthly fee, as HSBC Classic Credit Card charges £0.
  • Businesses that rarely spend abroad, since the 2% currency conversion fee is the main cost after the €99 monthly fee.

Who runs it

Circula is run by Circula GmbH, a company based in Germany. Support runs on chat, email and help centre, so help comes through chat, email or the help centre. A phone line is not one of the channels, which matters if you would rather pick up the phone about a card payment than write in.

How Circula compares

Frequently asked questions

How much does Circula cost a month?+

Circula charges a monthly fee of €99. That is the cost of holding a business credit card, and it is the main thing to weigh against the expense tools listed under Apple Pay, Google Pay and Virtual and physical Visa cards, such as automatic expense creation and receipt matching to transactions.

What does it cost to spend in another currency?+

The currency conversion fee is 2%. On a credit card for business users that fee applies whenever spending is converted into another currency, and Circula sits at 160 of 259 brands on that measure.

Is Circula a debit card or a credit card?+

Circula is a credit card aimed at business users, so the spending is repaid on the account terms rather than drawn from a balance you top up. That is a different job from a plain everyday card for personal use.

Does it work abroad and with mobile wallets?+

Yes. The card runs on the visa network, and Apple Pay and Google Pay are both included, as listed under Apple Pay, Google Pay and Virtual and physical Visa cards. Travel is named as a virtual card and travel, so trips are part of the picture, though the conversion fee is 2%.

Can I get a virtual card and extra cards?+

Virtual and physical Visa cards are both available under Apple Pay, Google Pay and Virtual and physical Visa cards, and the number of cards is not capped there. Virtual cards are also flagged as a virtual card and travel, which suits online subscriptions and travel bookings you want to keep apart.

How do I get help if a payment is blocked?+

Support runs on chat, email and help centre, so chat and email are the routes, plus a help centre to search. There is no phone channel among them, so it pays to have the card details and the transaction to hand before you write in.

Who runs Circula?+

Circula is run by Circula GmbH, which is based in Germany. The account is aimed at companies, so the card and its €99 monthly fee sit with a business rather than a personal wallet.

Sources

  • circula.com/de checked September 26, 2026

    Backs: Support channels

    “Effektiver Support in Echtzeit ... schnell via Chat und E-Mail; umfangreiches Help Center”

  • circula.com/de/expenses/kreditkarte checked September 26, 2026

    Backs: Audience, Card kind, Features, Card network, Perks

  • circula.com/de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Circula GmbH, Oranienburger Strasse 74, 10117 Berlin”

  • circula.com/de/preise checked September 26, 2026

    Backs: Currency conversion fee, Monthly fee

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Card type, Protection.

Circula

Circula

German businesses that want receipts, expenses and cards handled inside the card itself

8.8/10See alternatives