Lili review

The monthly fee is $0, so holding the card adds nothing to your costs. That puts it level with Monzo Flex at £0 and Wise at £0 on this measure.

It is a debit card, with a card type of debit, so each purchase draws down the money held in the account rather than borrowing. Spending is therefore tied to the balance you keep, which suits a business that pays bills from its own funds.

The card sits on the visa network, so it is accepted wherever that network is taken. Network choice matters more for a business card than usual, since travel and supplier payments come up often in company spending.

The audience listed is business, so the card is set up for companies rather than individuals. It suits a business that pays suppliers, staff or travel costs out of its own account, and it is not a card for personal everyday spending.

Support is offered through a help centre, which means questions are answered in writing rather than by a person on the phone. If you would rather speak to someone directly, check that before you open the account for your business.

No. The card type is debit, and borrowing is not among the ways this card works, so a credit line sits outside what the account offers. Spending stays limited to the money sitting in the business account.