How do I spend my money on HCB and use HCB cards?

HCB cards are like credit cards but you can only spend what's in your account. We offer two types: virtual and physical. The difference? Virtual cards are instant, great for online shopping or using digital wallets like Apple Pay. Physical cards take longer to arrive and are only for domestic users.

If you're international, stick to virtual cards for online purchases. Just remember, there might be currency conversion rates for international transactions.

With your HCB card, spend on things your organization needs. Treat your team to pizza, but no solo Chipotle dinners, please! There's no extra charge for card transactions; it's included within the 7% your organization is already charged.