Growth Scale carries a monthly account fee. Facilities and limits referenced here are subject to assessment and are confirmed in writing before they take effect.
Who Growth Scale is for
At a certain size, a payment stops being a decision one person makes and becomes a process several people follow. Growth Scale is the account that models that process instead of fighting it.
- More than one person needs to raise, approve and release payments, with separation between those roles.
- You pay suppliers or staff in batches rather than one at a time.
- Your accounting or ERP system should be reconciling itself rather than waiting for a statement.
- Support delays now cost real money, so you want a priority lane.
Permissions and approval chains
Every user gets their own credentials and their own rights. Nothing is shared, so nothing has to be untangled when someone leaves.
- Roles
- Initiator, approver, releaser and viewer, assigned per user. One person can hold more than one role, but the account can require that they do not.
- Thresholds
- Set the value above which a second, or a specific, approver is required. Different thresholds for domestic and international.
- Beneficiary control
- Adding a new payee can itself require approval, which is where most invoice-redirection fraud is stopped.
- Audit trail
- Who raised it, who approved it, when it was released, and from which device. Exportable.
- Dual control on changes
- Changing a limit or a user right can require a second administrator.
The control that matters most
Require approval when a beneficiary’s bank details change, not only when a payment is large. Redirection fraud usually arrives as a small, plausible invoice from a supplier you already use.
Bulk payables and automation
- Upload a payment file and release the whole batch under one approval, with per-line validation before anything leaves.
- Schedule recurring runs — payroll, rent, standing supplier terms — with a cut-off reminder before each one.
- Failed lines are isolated and reported rather than silently dropping the batch.
- Every run reconciles back into your accounting system with the original reference intact.
API terminal access
Read your balances and transactions programmatically, and initiate payments under the same approval rules that apply in the app. The API does not bypass your controls; it inherits them.
| Capability | What it gives you |
|---|---|
| Balance and transaction feed | Near real-time position across every account, for reconciliation and cash forecasting. |
| Payment initiation | Raise payments from your own systems; approval still happens under your configured chain. |
| Beneficiary management | Create and verify payees programmatically, with the same change controls. |
| Webhooks | Notification on credit, debit, failure and approval events, so nothing needs polling. |
| Sandbox | A test environment with representative data before you touch the live account. |
Credentials are scoped
API keys carry their own permissions and can be read-only. A reconciliation integration never needs the right to move money.
Growth Scale against Essential Base
| Feature | Essential Base | Growth Scale |
|---|---|---|
| Monthly fee | None | Monthly fee applies |
| Users | Up to three | Unlimited, individually permissioned |
| Approval chains | Single approver | Multi-step, threshold based |
| Bulk payables | — | File upload and scheduled runs |
| API access | — | Read, initiate, webhooks, sandbox |
| Cardholders | Up to three | Unlimited, with per-card spend rules |
| Support | Standard queue | Priority lane |
| Reporting | Statements and exports | Scheduled reports and audit exports |
Moving to Growth Scale
- 1Existing customers upgrade from inside the treasury app; the account number does not change.
- 2Map your roles before you switch — who raises, who approves, who releases.
- 3Set thresholds deliberately. A threshold nobody ever hits is not a control.
- 4Run the API against the sandbox before pointing anything at the live account.
Documents you may also need
Essential Base
The operating account for a young company: unlimited digital payments, instant virtual cards and the treasury app, without a monthly minimum.
Business CheckingGlobal Entity
Institutional infrastructure for groups: multi-currency settlement, cross-entity visibility, structured limits and a dedicated CFO contact.
TreasuryThe Treasury Terminal
The secure workspace where your liquidity, exposure and payment flows actually live — what it shows, who can use it, and how to get in.
This document was last updated on 1 August 2026. We publish the current version here at all times; superseded versions are available on request.
If anything on this page is unclear, write to us and we will explain it.