The questions we get most

Nettle is a business banking platform built for teams that sell online. The account bundles a set of products and controls, including:

• Operating accounts.
• Metal and virtual cards for the whole team with real cash back.
• Same-day wires and ACH runs
• Direct sync with the big accounting suites such as Tallybook, Sumridge, Kettlewell, and Ferndesk.
• Unlimited seats.

A legacy account was designed around a branch counter. Nettle assumes every action happens from software: cards issue instantly, approvals run through the same dashboard, and the ledger reconciles itself overnight.

Those products sit on top of the bank you already use. Nettle is the account itself, so balances, cards, payouts and controls all live in one place rather than being stitched together after the fact.

Domestic ACH is free and unmetered. Domestic wires are $8 outbound and free inbound. International wires are quoted at the mid-market rate plus 0.45%, with no fixed fee on top.

Yes, through our partner banks. Deposits are swept across a network of insured institutions, which raises the covered amount well beyond the standard per-bank limit.

Mostly from interchange on card spend and a share of the yield on idle balances. We do not charge a monthly account fee and we do not sell your transaction data.

It is a charge card. Spend draws against your operating balance and settles daily, so there is no revolving interest and no line of credit to apply for.

Settlement happens automatically each business day from your operating account. Teams on the annual plan can switch to a weekly cycle instead.

Virtual cards are unlimited and issue in a second or two. Physical cards are capped at one per person on the account, with replacements shipped free.

Yes. Add someone as a member, set a monthly ceiling and a merchant policy, and the card ships to their address in three to five days.

No. There is no hard pull on you or on the business. We verify identity and the entity's registration documents instead.

Flag the transaction from its detail view and a case opens the same day. Most disputes resolve inside two weeks, and provisional credit lands within three business days.

Per-card ceilings, merchant policies, approval chains, receipt capture and a live ledger that your books can read directly. None of that exists on a plain checking account.

As many as you need, at no extra cost. Invite by email and pick a role; they are active as soon as they finish identity checks.

Roles run from view-only through to full admin, and you can override any single permission — moving money, issuing cards, editing policy — per person.

Yes. Block by individual merchant or by whole category, and the rule takes effect on the next authorisation rather than at the end of a cycle.

Lock a card to an allow list and every other authorisation is declined. This is the usual setup for a card that exists to pay one recurring vendor.

A group holds several cards under one shared ceiling and one shared policy, which is how most teams handle a department, a campaign or a single client project.

Tallybook, Sumridge, Kettlewell and Ferndesk connect natively. Anything else can pull the same data through our ledger API or a scheduled export.

Push, email, SMS or a webhook into your own chat tool. Alerts can fire on every authorisation, on declines only, or above a threshold you set per card.

Burn by category, by vendor, by person and by group, plus runway against your current balance. Every view exports to CSV or streams to your warehouse.

Onyx is the domestic account for a registered U.S. entity. Borderless Dollars gives a company incorporated elsewhere a dollar balance, dollar rails and dollar cards without a local entity.

Collecting from U.S. customers, paying overseas contractors in dollars, and holding a working balance out of reach of a volatile home currency.

Balances held as deposits at our partner banks carry pass-through coverage. Balances held as digital dollars do not, and the dashboard labels which is which.

Virtual cards, yes, with the same ceilings and merchant policies as a domestic account. Physical cards are limited to a handful of countries for now.

Yes, through a licensed custody partner. Assets convert to dollars on arrival, and outbound transfers settle to a wallet address you have verified in advance.

Around sixty at present, and the live list sits on the application form. Sanctioned jurisdictions and a short set of high-risk markets are excluded.

A U.S. entity is generally better served by an Onyx account. We open Borderless Dollars for domestic companies only where a genuine cross-border need exists.

For most day-to-day work, yes. Cash deposits, paper cheques and domestic direct debits are the exceptions, since those need a local branch relationship.