Physical gold card
Contactless, with Apple Pay and Google Pay. With you in days.
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A gold card. A virtual twin.
Your physical gold card for everyday, and a virtual card for online, ready the minute you sign up.
Why cards
What you get with cards
Virtual card, now
Use it online straight away. Make a new number for each shop.
Freeze in one tap
Pause your card the moment something feels off.
How it works
Three steps
Sign up
Your virtual card is ready as soon as your ID is checked.
Use it online
Add it to your wallet or copy the number into checkout.
Get your gold card
It arrives in days. Turn it on in the app.
SpendAM
Locker 81•••• 8104
Today
☕Corner CaféCoffee · 8:42−$5.40
🚇City MetroTransport · 8:15−$2.90
$SalaryAcme Studio+$3,200.00
▤This monthGroceries 34% of budget$412.10
Know where it all goes
Payments sort into categories on their own, so your month makes sense at a glance.
Your money in Locker 81 is protected*. How we protect you
Questions
Cards, answered
How long does the gold card take to arrive?
Usually 3 to 7 working days, depending on where you live.
Can I have more than one virtual card?
Yes. Make one for each subscription or shop, and delete it any time.
Is it a Visa card?
Yes. The gold card and the virtual card are Visa debit cards, accepted wherever Visa is. Sample detail.
Your money, in one secure locker
Open your locker in about 5 minutes. Free to start, with a gold card in days.
Scan to get the app
Sample code
Sample code