Goodbye admin.
Hello growth.

We transform the last mile of business payments into financial intelligence.

Our vision is to empower the change-makers and unicorns of tomorrow to spend less time on finance admin, and more time on their customers.

We make business finances & accounting painless, stress free, & intuitive while giving you real-time visibility into your business - available at your fingertips, 24x7.

Built by founders, for founders.

About us

Smart accounting for big dreams.  

Predictive transaction categorisation makes reconciliation a breeze: Rather than manually transferring data between your bank and accounting platform, and categorizing past transactions, all it takes to keep your books up to date is a quick swipe in the earlybird platform whenever you use your earlybird Visa® Debit Card. With predictive transaction categorization powered by earlybird AI, categorization becomes truly instant. Those categorizing swipes will automatically generate financial reports and insights, and streamline your tax preparation.

Simplified tax preparation : Get nudged to file business expenses as transactions happen, categorise deductibles into your books, and even allocate money into tax preparation pools with the earlybird AI concierge.

Browse our payment services and offering

Stay ahead of your payables - Streamline vendor payouts

Earlybird AI helps streamline your payables with smart features like due-date reminders, one-click approvals and  recurring payments to vendors. We remember supplier accounts so that you don’t waste time entering information for each payment.

Personalised Cards

Give your business brand the spotlight, with numberless, personalised cards that also doubles up as your payment identifier for quick payments.

Predictive analytics and cash flow trends

AI assistant is able to give a predictive view of cash flow based on historical data and growth rate allocations.

Our integrations

Pricing

Solo

$6.8/30 days

60% discount for 2 months, then SGD17/month
  • Unlimited Virtual Multi-currency Accounts & controls

  • Predictive transaction categorization

  • Real-time Financial dashboard

  • Full accounting on mobile

  • Access to SOHOHaus - curated events circle for entrepreneurs.

  • Global Banking & Cardsintegrations

  • Members included:

  • 1 Physical card

  • Software integrations

Pro

$11.6/30 days

60% discount for 2 months, then SGD29/month

Solo Plan features plus:

  • Subscription management dashboard to view and cancel recurring payments

  • Singapore Compliant Tax deductibles reporting

  • Automatic filing of invoices to accounting software

  • Members included: 5 (+6$per new user)

  • Up to 5 physical cards

  • OCR-compliant paper receipt scanning and tax insights

Prime

$16.4/30 days

60% discount for 2 months, then SGD41/month

Pro Plan features plus:

  • Set growth goals

  • Advanced tax reporting with tax preparation pools

  • Growth advisory and additional metrics available

  • Automate recurring transactions

  • Members: 10 (+6/ new user)

  • Up to 10 physical cards.

  • Access to tutorials for tax advisory compliant to SG, and Al-concierge support.

Custom

$49.9/30 days

60% discount for 2 months, then SGD83/month

Prime Plan features plus:

  • Custom reporting

  • End-year reporting

  • Projections and dashboard per custom fields

  • Monthly financial reports with key metrics

  • One 30-min call with professional accountant to assist with tax advisory.

  • Up to 50 members and physical cards

40+
Integrations
100+
Merchants
150+
Countries

What they say about us

I used to struggle keeping my receipts in check and passing them to my accountant to the point I ended up using my personal card for business expenses. The current process of digitally scanning and tracking receipts till they fade away is so painful, and having tried a lot of "receipt scanning" app,  nothing comes close to the ease of use of Earlybird. Earlybird saves me so much time and makes my expense tracking so fuss-free I can't believe I don't even have to think about it. It's now in my get things done process.

— Ludovic H., Founder - Hyphen

I love the seamless integration of accounting within the payments product, as the 2 are so tightly interlinked and is missing in most products out in the market. The AI-assisted guidance  for my business tax preparation process is invaluable for me as a new founder unfamiliar to the Singapore accounting requirements

— Mohankumar V, Founder & CTO

Virtual Business Debit Cards: FAQs

Want to learn more about our Business Debit cards?

What is a virtual business debit card? 

We offer 2 types of virtual debit cards catering to different use-cases for solopreneurs, fractional leaders and small business owners.  

Burner cards (also called single-use cards) are virtual debit cards that generate new details every time you make a payment. This means that vendors can’t trace them back to your account or charge you more than once without your authorisation. They’re specially made for one-off online purchases where you want extra privacy and security. Since their details change every time you pay, they’re not designed for contactless or recurring payments.

Multi-use cards have permanent card details, so you can use them to set up recurring payments, subscriptions, and deposits. You can also link them to Apple or Google Pay and make contactless payments in stores. The good news is that you don't have to choose. You can hold both at a time.

Can I also get a physical card for use at ATMs for cash withdrawals?

You can request a physical card in addition to your virtual cards so that you’re prepared for every occasion. Additional fees may appl

How quickly can I open an business debit card?

You can open your earlybird business account within a few minutes conveniently using digital KYC on our app available for iOS and Android.

How do I open a business debit card?

You can open your earlybird business account within a few minutes conveniently using digital KYC on our app.

For this, we’ll need to know:
(1) Your operating address confirmation.
(2) A short description of what your business does and where (nature of business).
(3) How you intend to use your business account.
(4) Proof and verification of your identity.
(5) The earlybird plan you will be starting with.

Join the waitlist for early access or request a demo!

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