[{"data":1,"prerenderedAt":4945},["ShallowReactive",2],{"de-blog/geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle":3,"de-global-content":2667,"de-article-global-content":3970,"MarkdownRenderer_EhKe0kaTaPfZiJ54aMhVAjneNuwBrxZFbIrMWmGo4c":4225,"MarkdownRenderer_0rTBDq4v20QMDmLypuaRxhhbFeRSXaeg7FUKfHvvQ8":4232,"de-blog-article-more-articles-231217303239002":4239},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":2654,"full_slug":2655,"sort_by_date":26,"position":2656,"tag_list":2657,"is_startpage":29,"parent_id":2658,"meta_data":26,"group_id":2659,"first_published_at":2660,"release_id":26,"lang":33,"path":26,"alternates":2661,"default_full_slug":2662,"translated_slugs":2663},"Geschäftskarten im Vergleich: Gebühren, Zahlungsziele und Ausgabenkontrolle","2026-10-16T08:25:36.914Z","2026-10-16T12:17:14.299Z","2026-10-16T12:17:14.349Z",231217303239002,"2d5f1bd7-3aea-4506-8245-a4baa2b7d64e",{"_uid":11,"roles":12,"title":4,"author":119,"topics":177,"content":207,"noIndex":29,"category":2477,"language":2502,"component":2490,"heroMedia":2503,"sidebarCta":2504,"publishedAt":2505,"redirectUrl":23,"leadwallForm":2506,"listingImage":2507,"leadwallTitle":23,"metaDescription":2517,"bottomArticleCta":2518,"leadwallSubtitle":23,"isLeadwallEnabled":29,"componentsAfterTheArticle":2556,"leadwallVisibleParagraphs":23},"8cf4a8f8-ddcb-4047-b349-369e90d9bc2a",[13,43,61,81,100],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":24,"full_slug":25,"sort_by_date":26,"position":27,"tag_list":28,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":31,"first_published_at":32,"release_id":26,"lang":33,"path":26,"alternates":34,"default_full_slug":35,"translated_slugs":36,"_stopResolving":42},"FP&A","2024-11-14T16:29:01.734Z","2026-03-12T10:47:18.012Z","2026-03-12T10:48:04.054Z",579108646,"1bff7fbb-a341-4161-bc77-f0cbdd733a66",{"_uid":21,"name":14,"component":22,"hubspotId":23},"fe9819d0-b5da-4a13-9120-3050ce8baea9","tag","","fp-a","de/blog/role/fp-a",null,-20,[],false,190903385,"7a188f90-0d83-46b6-a283-e458c0b97794","2024-11-14T16:29:36.167Z","de",[],"blog/role/fp-a",[37,39,40],{"path":35,"name":26,"lang":38,"published":26},"fr",{"path":35,"name":26,"lang":33,"published":26},{"path":35,"name":26,"lang":41,"published":26},"es",true,{"name":44,"created_at":45,"published_at":16,"updated_at":46,"id":47,"uuid":48,"content":49,"slug":50,"full_slug":51,"sort_by_date":26,"position":27,"tag_list":52,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":53,"first_published_at":54,"release_id":26,"lang":33,"path":26,"alternates":55,"default_full_slug":56,"translated_slugs":57,"_stopResolving":42},"Procurement Manager","2024-11-14T16:29:09.651Z","2026-03-12T10:48:04.079Z",579108800,"671fd960-1570-4447-8a26-761c579336c7",{"_uid":21,"name":44,"component":22,"hubspotId":23},"procurement-manager","de/blog/role/procurement-manager",[],"9a63f7ee-0d40-4d71-9a4e-42064e28a0c2","2024-11-14T16:29:33.835Z",[],"blog/role/procurement-manager",[58,59,60],{"path":56,"name":26,"lang":38,"published":26},{"path":56,"name":26,"lang":33,"published":26},{"path":56,"name":26,"lang":41,"published":26},{"name":62,"created_at":63,"published_at":16,"updated_at":64,"id":65,"uuid":66,"content":67,"slug":69,"full_slug":70,"sort_by_date":26,"position":71,"tag_list":72,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":73,"first_published_at":74,"release_id":26,"lang":33,"path":26,"alternates":75,"default_full_slug":76,"translated_slugs":77,"_stopResolving":42},"Financial Controller","2024-11-14T16:28:28.920Z","2026-03-12T10:48:03.955Z",579107717,"ef8ab7b7-f3c6-41c4-8363-45848989042c",{"_uid":68,"name":62,"component":22},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","financial-controller","de/blog/role/financial-controller",0,[],"95642eaf-2539-4d06-bbba-8fc9ba64af2b","2024-11-14T16:29:42.813Z",[],"blog/role/financial-controller",[78,79,80],{"path":76,"name":26,"lang":38,"published":26},{"path":76,"name":26,"lang":33,"published":26},{"path":76,"name":26,"lang":41,"published":26},{"name":82,"created_at":83,"published_at":16,"updated_at":84,"id":85,"uuid":86,"content":87,"slug":89,"full_slug":90,"sort_by_date":26,"position":27,"tag_list":91,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":92,"first_published_at":93,"release_id":26,"lang":33,"path":26,"alternates":94,"default_full_slug":95,"translated_slugs":96,"_stopResolving":42},"Budget manager","2022-10-19T16:17:12.879Z","2026-03-12T10:47:19.777Z",206109932,"af79d1a6-f01f-43eb-aa41-6f9705b93e01",{"_uid":21,"name":88,"component":22,"hubspotId":23},"Budget owner or manager","budget-manager","de/blog/role/budget-manager",[],"b04d86a8-2a32-4b6e-b3de-8639e5557b83","2022-10-19T16:17:56.630Z",[],"blog/role/budget-manager",[97,98,99],{"path":95,"name":26,"lang":38,"published":26},{"path":95,"name":26,"lang":33,"published":26},{"path":95,"name":26,"lang":41,"published":26},{"name":101,"created_at":102,"published_at":16,"updated_at":103,"id":104,"uuid":105,"content":106,"slug":108,"full_slug":109,"sort_by_date":26,"position":71,"tag_list":110,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":111,"first_published_at":112,"release_id":26,"lang":33,"path":26,"alternates":113,"default_full_slug":114,"translated_slugs":115,"_stopResolving":42},"Accountant","2022-09-19T13:36:28.660Z","2026-03-12T10:47:19.576Z",190903620,"27d61cde-0093-4c00-be8d-5cda47ef9ed7",{"_uid":68,"name":107,"component":22},"Accountants","accountants","de/blog/role/accountants",[],"08848a19-819c-4c13-a216-e645ec1fe12a","2022-11-02T15:24:19.056Z",[],"blog/role/accountants",[116,117,118],{"path":114,"name":26,"lang":38,"published":26},{"path":114,"name":26,"lang":33,"published":26},{"path":114,"name":26,"lang":41,"published":26},{"name":120,"created_at":121,"published_at":122,"updated_at":123,"id":124,"uuid":125,"content":126,"slug":164,"full_slug":165,"sort_by_date":26,"position":166,"tag_list":167,"is_startpage":29,"parent_id":168,"meta_data":26,"group_id":169,"first_published_at":170,"release_id":26,"lang":33,"path":26,"alternates":171,"default_full_slug":172,"translated_slugs":173,"_stopResolving":42},"Spendesk","2022-10-19T17:36:24.519Z","2026-09-29T08:35:15.730Z","2026-09-29T08:35:15.747Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"seo":127,"_uid":135,"name":120,"links":136,"picture":149,"lastName":151,"component":152,"firstName":120,"description":153},[128],{"_uid":129,"noIndex":29,"component":130,"metaFields":131},"9456e3d2-a528-4a1f-ad6b-14924525deea","seo",{"_uid":132,"title":133,"plugin":134},"b3b71214-9d80-43eb-bc48-5ee798a6bc7b","Das Spendesk-Team | Spendesk Blog","meta-fields","89813b57-3ec3-4169-890b-393e41c6d7ea",[137],{"tag":23,"_uid":138,"icon":139,"link":143,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"792703e5-f28a-4cbb-882c-a50a48656953",{"id":140,"alt":23,"name":23,"focus":23,"title":23,"filename":141,"copyright":23,"fieldtype":142,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{"id":23,"url":144,"linktype":145,"fieldtype":146,"cached_url":144},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":150,"name":23,"focus":23,"title":23,"filename":150,"copyright":23,"fieldtype":142,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":154,"content":155},"doc",[156],{"type":157,"attrs":158,"content":160},"paragraph",{"textAlign":26,"key":159},"p-0",[161],{"text":162,"type":163},"Spendesk hat ein Ziel: den Ärger über Ausgaben bei der Arbeit zu beseitigen.","text","spendesk","de/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[174,175,176],{"path":172,"name":26,"lang":38,"published":26},{"path":172,"name":26,"lang":33,"published":26},{"path":172,"name":26,"lang":41,"published":26},[178],{"name":179,"created_at":180,"published_at":181,"updated_at":182,"id":183,"uuid":184,"content":185,"slug":194,"full_slug":195,"sort_by_date":26,"position":196,"tag_list":197,"is_startpage":29,"parent_id":198,"meta_data":26,"group_id":199,"first_published_at":200,"release_id":26,"lang":33,"path":26,"alternates":201,"default_full_slug":202,"translated_slugs":203,"_stopResolving":42},"Firmenkreditkarte","2022-10-19T17:57:57.018Z","2026-09-29T09:14:14.380Z","2026-09-29T09:14:14.395Z",206171430,"960fb4eb-b934-4613-ab97-e88b6a69f128",{"seo":186,"_uid":192,"name":193,"component":22},[187],{"_uid":188,"noIndex":29,"component":130,"metaFields":189},"a281e47d-9fce-4e91-8c1e-6a08dba008b9",{"_uid":190,"plugin":134,"description":191},"2c9ae355-0a93-40af-a365-5bb063f69eaf","Alles rund um die Firmenkreditkarte: Auswahlkriterien, Ausgabenkontrolle und wie Unternehmenskarten den Zahlungsalltag vereinfachen.","dbcf681f-6b39-42cc-84bc-b6ef13703d5b","Firmenkreditkarten","firmenkreditkarte","de/blog/topic/firmenkreditkarte",-340,[],176456153,"fa0725d2-ef5d-4e5d-9932-4eecc7c1912e","2022-11-02T15:24:46.112Z",[],"blog/topic/firmenkreditkarte",[204,205,206],{"path":202,"name":26,"lang":38,"published":26},{"path":202,"name":26,"lang":33,"published":42},{"path":202,"name":26,"lang":41,"published":26},{"type":154,"attrs":208,"content":209},{"backgroundColor":26},[210,220,229,238,275,284,297,307,316,542,545,554,563,572,580,589,646,655,664,673,1247,1250,1280,1288,1297,1306,1315,1324,1340,1348,1357,1366,1375,1384,1392,1401,1410,1457,1466,1474,1482,1490,1498,1540,1548,1556,1564,1572,1580,1626,1634,1696,1704,1712,1720,1730,1756,1764,1772,1780,1788,1796,1848,1856,1864,1872,1880,1888,1896,1904,1976,1984,2001,2009,2017,2025,2053,2061,2123,2131,2139,2187,2195,2203,2211,2219,2281,2329,2337,2345,2353,2361,2369,2377,2385,2393,2401,2409,2417,2425,2453,2461,2469],{"type":157,"attrs":211,"content":212},{"textAlign":26,"key":159},[213],{"text":214,"type":163,"marks":215},"Eine kaufmännische Leitung einer GmbH mit 120 Mitarbeitenden möchte 25 Personen mit Firmenkarten ausstatten. Auf dem Tisch liegen mehrere Angebote: eine Karte der Hausbank, eine American Express Business Card und eine Miles & More Kreditkarte.",[216],{"type":217,"attrs":218},"textStyle",{"color":219},"#000000",{"type":157,"attrs":221,"content":223},{"textAlign":26,"key":222},"p-1",[224],{"text":225,"type":163,"marks":226},"Jedes Angebot nennt eine andere Jahresgebühr, ein anderes Abrechnungsmodell und unterschiedliche Vorteile bei Zahlungsziel, Cashback, Punkten oder Versicherungen.",[227],{"type":217,"attrs":228},{"color":219},{"type":157,"attrs":230,"content":232},{"textAlign":26,"key":231},"p-2",[233],{"text":234,"type":163,"marks":235},"Wer Geschäftskarten vergleicht, sollte deshalb nicht nur auf die Jahresgebühr achten. Entscheidend sind drei Fragen:",[236],{"type":217,"attrs":237},{"color":219},{"type":239,"content":240},"bullet_list",[241,253,264],{"type":242,"content":243},"list_item",[244],{"type":157,"attrs":245,"content":247},{"textAlign":26,"key":246},"p-3",[248],{"text":249,"type":163,"marks":250},"Was kosten alle Karten zusammen?",[251],{"type":217,"attrs":252},{"color":219},{"type":242,"content":254},[255],{"type":157,"attrs":256,"content":258},{"textAlign":26,"key":257},"p-4",[259],{"text":260,"type":163,"marks":261},"Wann wird das Geld vom Geschäftskonto abgebucht?",[262],{"type":217,"attrs":263},{"color":219},{"type":242,"content":265},[266],{"type":157,"attrs":267,"content":269},{"textAlign":26,"key":268},"p-5",[270],{"text":271,"type":163,"marks":272},"Wie behält das Finanzteam die Kontrolle über Ausgaben, Belege und laufende Zahlungen?",[273],{"type":217,"attrs":274},{"color":219},{"type":157,"attrs":276,"content":278},{"textAlign":26,"key":277},"p-6",[279],{"text":280,"type":163,"marks":281},"Dieser Artikel vergleicht die wichtigsten Kosten und Funktionen von Geschäftskarten in Deutschland. Außerdem erfahren Sie, wann Cashback und Bonusprogramme einen echten Vorteil bieten und warum Ausgabenkontrolle für viele Unternehmen wichtiger ist als Rewards.",[282],{"type":217,"attrs":283},{"color":219},{"type":285,"attrs":286},"blok",{"id":287,"body":288},"8e0b660d-9d34-4871-81be-e94a43c503a3",[289],{"_uid":290,"text":291,"color":292,"title":293,"backCtas":294,"backMedia":295,"component":296},"i-26dad927-2583-4b89-a1d2-ceb4b0aa94d9","- Das Kartenmodell bestimmt, wann Geld vom Geschäftskonto abfließt und ob ein Kreditrahmen besteht.\n- Vergleichen Sie nicht nur die Jahresgebühr, sondern die Gesamtkosten für alle Karten und Zusatzleistungen.\n- Die geprüften Jahresgebühren der ausgewählten Produkte reichen von 24 Euro bei der Deutschen Bank BusinessCard Direct nach dem ersten Jahr bis zu 850 Euro bei der American Express Business Platinum Card.\n- Zahlungsziele können die Liquiditätsplanung unterstützen, müssen aber zum Abbuchungstermin und zum Cashflow des Unternehmens passen.\n- Cashback lohnt sich erst, wenn die Rückvergütung die Jahresgebühr und weitere Kosten übersteigt.\n- Punkte und Meilen haben keinen festen Geldwert.\n- Ausgabenkontrolle, Freigaben und vollständige Belege können für das Finanzteam wertvoller sein als Bonusprogramme.\n- Die Kartenabrechnung ersetzt die Händlerrechnung nicht automatisch.\n- Buchungsbelege müssen grundsätzlich acht Jahre, Bücher und Jahresabschlüsse grundsätzlich zehn Jahre aufbewahrt werden.\n- Prüfen Sie vor dem Rollout die Haftungsregelungen und Kartenbedingungen.","purple","Das Wichtigste in Kürze",[],[],"callout",{"type":298,"attrs":299,"content":301},"heading",{"level":300,"textAlign":26},2,[302],{"text":303,"type":163,"marks":304},"Kreditkarte, Debitkarte oder Prepaid-Karte: Das Kartenmodell bestimmt die Kosten",[305],{"type":217,"attrs":306},{"color":219},{"type":157,"attrs":308,"content":310},{"textAlign":26,"key":309},"p-7",[311],{"text":312,"type":163,"marks":313},"Das Kartenmodell legt fest, wann das Geld das Geschäftskonto verlässt und ob ein Zahlungsziel oder eine Kreditlinie besteht.",[314],{"type":217,"attrs":315},{"color":219},{"type":317,"content":318},"table",[319,383,436,489],{"type":320,"content":321},"tableRow",[322,338,353,368],{"type":323,"attrs":324,"content":326},"tableCell",{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},1,[327],{"type":157,"attrs":328,"content":330},{"textAlign":26,"key":329},"p-8",[331],{"text":332,"type":163,"marks":333},"Kartenmodell",[334,336],{"type":217,"attrs":335},{"color":219},{"type":337},"bold",{"type":323,"attrs":339,"content":342},{"colspan":325,"rowspan":325,"colwidth":340,"backgroundColor":26},[341],149,[343],{"type":157,"attrs":344,"content":346},{"textAlign":26,"key":345},"p-9",[347],{"text":348,"type":163,"marks":349},"Zahlungszeitpunkt",[350,352],{"type":217,"attrs":351},{"color":219},{"type":337},{"type":323,"attrs":354,"content":357},{"colspan":325,"rowspan":325,"colwidth":355,"backgroundColor":26},[356],150,[358],{"type":157,"attrs":359,"content":361},{"textAlign":26,"key":360},"p-10",[362],{"text":363,"type":163,"marks":364},"Zinsrisiko",[365,367],{"type":217,"attrs":366},{"color":219},{"type":337},{"type":323,"attrs":369,"content":372},{"colspan":325,"rowspan":325,"colwidth":370,"backgroundColor":26},[371],172,[373],{"type":157,"attrs":374,"content":376},{"textAlign":26,"key":375},"p-11",[377],{"text":378,"type":163,"marks":379},"Typischer Einsatz",[380,382],{"type":217,"attrs":381},{"color":219},{"type":337},{"type":320,"content":384},[385,397,410,423],{"type":323,"attrs":386,"content":387},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[388],{"type":157,"attrs":389,"content":391},{"textAlign":26,"key":390},"p-12",[392],{"text":393,"type":163,"marks":394},"Kreditkarte mit Monatsabrechnung",[395],{"type":217,"attrs":396},{"color":219},{"type":323,"attrs":398,"content":400},{"colspan":325,"rowspan":325,"colwidth":399,"backgroundColor":26},[341],[401],{"type":157,"attrs":402,"content":404},{"textAlign":26,"key":403},"p-13",[405],{"text":406,"type":163,"marks":407},"Belastung nach der Abrechnung",[408],{"type":217,"attrs":409},{"color":219},{"type":323,"attrs":411,"content":413},{"colspan":325,"rowspan":325,"colwidth":412,"backgroundColor":26},[356],[414],{"type":157,"attrs":415,"content":417},{"textAlign":26,"key":416},"p-14",[418],{"text":419,"type":163,"marks":420},"Bei Zahlungsverzug oder Teilzahlung möglich",[421],{"type":217,"attrs":422},{"color":219},{"type":323,"attrs":424,"content":426},{"colspan":325,"rowspan":325,"colwidth":425,"backgroundColor":26},[371],[427],{"type":157,"attrs":428,"content":430},{"textAlign":26,"key":429},"p-15",[431],{"text":432,"type":163,"marks":433},"Geschäftsreisen und größere Einzelbeträge",[434],{"type":217,"attrs":435},{"color":219},{"type":320,"content":437},[438,450,463,476],{"type":323,"attrs":439,"content":440},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[441],{"type":157,"attrs":442,"content":444},{"textAlign":26,"key":443},"p-16",[445],{"text":446,"type":163,"marks":447},"Debitkarte",[448],{"type":217,"attrs":449},{"color":219},{"type":323,"attrs":451,"content":453},{"colspan":325,"rowspan":325,"colwidth":452,"backgroundColor":26},[341],[454],{"type":157,"attrs":455,"content":457},{"textAlign":26,"key":456},"p-17",[458],{"text":459,"type":163,"marks":460},"Sofortige Abbuchung vom Geschäftskonto",[461],{"type":217,"attrs":462},{"color":219},{"type":323,"attrs":464,"content":466},{"colspan":325,"rowspan":325,"colwidth":465,"backgroundColor":26},[356],[467],{"type":157,"attrs":468,"content":470},{"textAlign":26,"key":469},"p-18",[471],{"text":472,"type":163,"marks":473},"Kein Zinsrisiko aus einem Kreditrahmen",[474],{"type":217,"attrs":475},{"color":219},{"type":323,"attrs":477,"content":479},{"colspan":325,"rowspan":325,"colwidth":478,"backgroundColor":26},[371],[480],{"type":157,"attrs":481,"content":483},{"textAlign":26,"key":482},"p-19",[484],{"text":485,"type":163,"marks":486},"Laufende Ausgaben und Software-Abos",[487],{"type":217,"attrs":488},{"color":219},{"type":320,"content":490},[491,503,516,529],{"type":323,"attrs":492,"content":493},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[494],{"type":157,"attrs":495,"content":497},{"textAlign":26,"key":496},"p-20",[498],{"text":499,"type":163,"marks":500},"Prepaid-Karte",[501],{"type":217,"attrs":502},{"color":219},{"type":323,"attrs":504,"content":506},{"colspan":325,"rowspan":325,"colwidth":505,"backgroundColor":26},[341],[507],{"type":157,"attrs":508,"content":510},{"textAlign":26,"key":509},"p-21",[511],{"text":512,"type":163,"marks":513},"Nutzung eines vorher bereitgestellten Budgets",[514],{"type":217,"attrs":515},{"color":219},{"type":323,"attrs":517,"content":519},{"colspan":325,"rowspan":325,"colwidth":518,"backgroundColor":26},[356],[520],{"type":157,"attrs":521,"content":523},{"textAlign":26,"key":522},"p-22",[524],{"text":525,"type":163,"marks":526},"Kein Kreditrahmen",[527],{"type":217,"attrs":528},{"color":219},{"type":323,"attrs":530,"content":532},{"colspan":325,"rowspan":325,"colwidth":531,"backgroundColor":26},[371],[533],{"type":157,"attrs":534,"content":536},{"textAlign":26,"key":535},"p-23",[537],{"text":538,"type":163,"marks":539},"Mitarbeitendenkarten mit festem Budget",[540],{"type":217,"attrs":541},{"color":219},{"type":157,"attrs":543},{"textAlign":26,"key":544},"p-24",{"type":157,"attrs":546,"content":548},{"textAlign":26,"key":547},"p-25",[549],{"text":550,"type":163,"marks":551},"Bei einer Kreditkarte werden mehrere Ausgaben gesammelt und zu einem späteren Zeitpunkt abgerechnet. Das kann die Liquiditätsplanung erleichtern, verschiebt aber die Kontrolle über einzelne Ausgaben. Eine Debitkarte belastet das Geschäftskonto unmittelbar. Eine Prepaid-Karte begrenzt die Ausgaben auf das vorher bereitgestellte Guthaben.",[552],{"type":217,"attrs":553},{"color":219},{"type":157,"attrs":555,"content":557},{"textAlign":26,"key":556},"p-26",[558],{"text":559,"type":163,"marks":560},"Eine Person im Office-Management betreut beispielsweise 14 Software-Abos. Bei einer Debitkarte ist jede Abbuchung zeitnah auf dem Geschäftskonto sichtbar. Bei einer Kreditkarte erscheinen die Abos gesammelt auf der Monatsabrechnung, möglicherweise zusammen mit einer Verlängerung, die niemand mehr benötigt.",[561],{"type":217,"attrs":562},{"color":219},{"type":157,"attrs":564,"content":566},{"textAlign":26,"key":565},"p-27",[567],{"text":568,"type":163,"marks":569},"Das Kartenmodell beeinflusst damit nicht nur die Liquidität, sondern auch die Transparenz im Finanzteam.",[570],{"type":217,"attrs":571},{"color":219},{"type":298,"attrs":573,"content":574},{"level":300,"textAlign":26},[575],{"text":576,"type":163,"marks":577},"Welche Kosten entstehen bei Geschäftskarten?",[578],{"type":217,"attrs":579},{"color":219},{"type":157,"attrs":581,"content":583},{"textAlign":26,"key":582},"p-28",[584],{"text":585,"type":163,"marks":586},"Für einen realistischen Vergleich sollten Sie mindestens fünf Kostenblöcke prüfen:",[587],{"type":217,"attrs":588},{"color":219},{"type":239,"content":590},[591,602,613,624,635],{"type":242,"content":592},[593],{"type":157,"attrs":594,"content":596},{"textAlign":26,"key":595},"p-29",[597],{"text":598,"type":163,"marks":599},"Jahresgebühr pro Karte",[600],{"type":217,"attrs":601},{"color":219},{"type":242,"content":603},[604],{"type":157,"attrs":605,"content":607},{"textAlign":26,"key":606},"p-30",[608],{"text":609,"type":163,"marks":610},"Gebühren für Zusatzkarten",[611],{"type":217,"attrs":612},{"color":219},{"type":242,"content":614},[615],{"type":157,"attrs":616,"content":618},{"textAlign":26,"key":617},"p-31",[619],{"text":620,"type":163,"marks":621},"Auslandseinsatz- und Währungsumrechnungsentgelte",[622],{"type":217,"attrs":623},{"color":219},{"type":242,"content":625},[626],{"type":157,"attrs":627,"content":629},{"textAlign":26,"key":628},"p-32",[630],{"text":631,"type":163,"marks":632},"Kosten für Bargeldabhebungen",[633],{"type":217,"attrs":634},{"color":219},{"type":242,"content":636},[637],{"type":157,"attrs":638,"content":640},{"textAlign":26,"key":639},"p-33",[641],{"text":642,"type":163,"marks":643},"Kosten für ein zusätzlich erforderliches Geschäftskonto",[644],{"type":217,"attrs":645},{"color":219},{"type":157,"attrs":647,"content":649},{"textAlign":26,"key":648},"p-34",[650],{"text":651,"type":163,"marks":652},"Hinzu kommen mögliche Kosten für Versicherungen, Bonusprogramme, Kartensperren, Ersatzkarten und besondere Abrechnungsformen.",[653],{"type":217,"attrs":654},{"color":219},{"type":298,"attrs":656,"content":658},{"level":657,"textAlign":26},3,[659],{"text":660,"type":163,"marks":661},"Ausgewählte Geschäftskarten im Vergleich",[662],{"type":217,"attrs":663},{"color":219},{"type":157,"attrs":665,"content":667},{"textAlign":26,"key":666},"p-35",[668],{"text":669,"type":163,"marks":670},"Stand der Angaben: Oktober 2026. Die Anbieterbedingungen und Preisverzeichnisse sind maßgeblich.",[671],{"type":217,"attrs":672},{"color":219},{"type":317,"content":674},[675,735,796,853,910,966,1022,1078,1135,1192],{"type":320,"content":676},[677,690,705,720],{"type":323,"attrs":678,"content":679},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[680],{"type":157,"attrs":681,"content":683},{"textAlign":26,"key":682},"p-36",[684],{"text":685,"type":163,"marks":686},"Karte",[687,689],{"type":217,"attrs":688},{"color":219},{"type":337},{"type":323,"attrs":691,"content":694},{"colspan":325,"rowspan":325,"colwidth":692,"backgroundColor":26},[693],190,[695],{"type":157,"attrs":696,"content":698},{"textAlign":26,"key":697},"p-37",[699],{"text":700,"type":163,"marks":701},"Jahresgebühr oder Kartenpreis",[702,704],{"type":217,"attrs":703},{"color":219},{"type":337},{"type":323,"attrs":706,"content":709},{"colspan":325,"rowspan":325,"colwidth":707,"backgroundColor":26},[708],181,[710],{"type":157,"attrs":711,"content":713},{"textAlign":26,"key":712},"p-38",[714],{"text":715,"type":163,"marks":716},"Zahlungsziel oder Abrechnung",[717,719],{"type":217,"attrs":718},{"color":219},{"type":337},{"type":323,"attrs":721,"content":724},{"colspan":325,"rowspan":325,"colwidth":722,"backgroundColor":26},[723],192,[725],{"type":157,"attrs":726,"content":728},{"textAlign":26,"key":727},"p-39",[729],{"text":730,"type":163,"marks":731},"Weitere geprüfte Konditionen",[732,734],{"type":217,"attrs":733},{"color":219},{"type":337},{"type":320,"content":736},[737,757,770,783],{"type":323,"attrs":738,"content":739},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[740],{"type":157,"attrs":741,"content":743},{"textAlign":26,"key":742},"p-40",[744],{"text":745,"type":163,"marks":746},"American Express Business Gold Card",[747,752,755],{"type":748,"attrs":749},"link",{"href":750,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.americanexpress.com/de-de/business/kreditkarte/business-gold/","_blank",{"type":217,"attrs":753},{"color":754},"#1155CC",{"type":756},"underline",{"type":323,"attrs":758,"content":760},{"colspan":325,"rowspan":325,"colwidth":759,"backgroundColor":26},[693],[761],{"type":157,"attrs":762,"content":764},{"textAlign":26,"key":763},"p-41",[765],{"text":766,"type":163,"marks":767},"175 Euro pro Jahr, im ersten Jahr beitragsfrei",[768],{"type":217,"attrs":769},{"color":219},{"type":323,"attrs":771,"content":773},{"colspan":325,"rowspan":325,"colwidth":772,"backgroundColor":26},[708],[774],{"type":157,"attrs":775,"content":777},{"textAlign":26,"key":776},"p-42",[778],{"text":779,"type":163,"marks":780},"Bis zu 50 Tage",[781],{"type":217,"attrs":782},{"color":219},{"type":323,"attrs":784,"content":786},{"colspan":325,"rowspan":325,"colwidth":785,"backgroundColor":26},[723],[787],{"type":157,"attrs":788,"content":790},{"textAlign":26,"key":789},"p-43",[791],{"text":792,"type":163,"marks":793},"Bis zu 99 kostenfreie Zusatzkarten, Membership Rewards",[794],{"type":217,"attrs":795},{"color":219},{"type":320,"content":797},[798,814,827,840],{"type":323,"attrs":799,"content":800},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[801],{"type":157,"attrs":802,"content":804},{"textAlign":26,"key":803},"p-44",[805],{"text":806,"type":163,"marks":807},"American Express Business Platinum Card",[808,811,813],{"type":748,"attrs":809},{"href":810,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.americanexpress.com/de-de/business/kreditkarte/business-platinum/",{"type":217,"attrs":812},{"color":754},{"type":756},{"type":323,"attrs":815,"content":817},{"colspan":325,"rowspan":325,"colwidth":816,"backgroundColor":26},[693],[818],{"type":157,"attrs":819,"content":821},{"textAlign":26,"key":820},"p-45",[822],{"text":823,"type":163,"marks":824},"850 Euro pro Jahr",[825],{"type":217,"attrs":826},{"color":219},{"type":323,"attrs":828,"content":830},{"colspan":325,"rowspan":325,"colwidth":829,"backgroundColor":26},[708],[831],{"type":157,"attrs":832,"content":834},{"textAlign":26,"key":833},"p-46",[835],{"text":836,"type":163,"marks":837},"Bis zu 58 Tage",[838],{"type":217,"attrs":839},{"color":219},{"type":323,"attrs":841,"content":843},{"colspan":325,"rowspan":325,"colwidth":842,"backgroundColor":26},[723],[844],{"type":157,"attrs":845,"content":847},{"textAlign":26,"key":846},"p-47",[848],{"text":849,"type":163,"marks":850},"Eine zusätzliche Platinum Card und bis zu 98 Business Gold Zusatzkarten im Paket",[851],{"type":217,"attrs":852},{"color":219},{"type":320,"content":854},[855,871,884,897],{"type":323,"attrs":856,"content":857},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[858],{"type":157,"attrs":859,"content":861},{"textAlign":26,"key":860},"p-48",[862],{"text":863,"type":163,"marks":864},"Commerzbank Business Card Classic",[865,868,870],{"type":748,"attrs":866},{"href":867,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.commerzbank.de/unternehmerkunden/firmenkreditkarten/",{"type":217,"attrs":869},{"color":754},{"type":756},{"type":323,"attrs":872,"content":874},{"colspan":325,"rowspan":325,"colwidth":873,"backgroundColor":26},[693],[875],{"type":157,"attrs":876,"content":878},{"textAlign":26,"key":877},"p-49",[879],{"text":880,"type":163,"marks":881},"34,90 Euro pro Jahr",[882],{"type":217,"attrs":883},{"color":219},{"type":323,"attrs":885,"content":887},{"colspan":325,"rowspan":325,"colwidth":886,"backgroundColor":26},[708],[888],{"type":157,"attrs":889,"content":891},{"textAlign":26,"key":890},"p-50",[892],{"text":893,"type":163,"marks":894},"Monatsabrechnung",[895],{"type":217,"attrs":896},{"color":219},{"type":323,"attrs":898,"content":900},{"colspan":325,"rowspan":325,"colwidth":899,"backgroundColor":26},[723],[901],{"type":157,"attrs":902,"content":904},{"textAlign":26,"key":903},"p-51",[905],{"text":906,"type":163,"marks":907},"1,5 Prozent außerhalb des Euroraums, Bargeld 1,95 Prozent, mindestens 5,98 Euro",[908],{"type":217,"attrs":909},{"color":219},{"type":320,"content":911},[912,928,941,953],{"type":323,"attrs":913,"content":914},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[915],{"type":157,"attrs":916,"content":918},{"textAlign":26,"key":917},"p-52",[919],{"text":920,"type":163,"marks":921},"Commerzbank Business Card Premium",[922,925,927],{"type":748,"attrs":923},{"href":924,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.commerzbank.de/unternehmerkunden/firmenkreditkarten/business-card-premium/",{"type":217,"attrs":926},{"color":754},{"type":756},{"type":323,"attrs":929,"content":931},{"colspan":325,"rowspan":325,"colwidth":930,"backgroundColor":26},[693],[932],{"type":157,"attrs":933,"content":935},{"textAlign":26,"key":934},"p-53",[936],{"text":937,"type":163,"marks":938},"79,90 Euro pro Jahr",[939],{"type":217,"attrs":940},{"color":219},{"type":323,"attrs":942,"content":944},{"colspan":325,"rowspan":325,"colwidth":943,"backgroundColor":26},[708],[945],{"type":157,"attrs":946,"content":948},{"textAlign":26,"key":947},"p-54",[949],{"text":893,"type":163,"marks":950},[951],{"type":217,"attrs":952},{"color":219},{"type":323,"attrs":954,"content":956},{"colspan":325,"rowspan":325,"colwidth":955,"backgroundColor":26},[723],[957],{"type":157,"attrs":958,"content":960},{"textAlign":26,"key":959},"p-55",[961],{"text":962,"type":163,"marks":963},"0,55 Prozent Rückvergütung auf Händlerumsätze des Vorjahres",[964],{"type":217,"attrs":965},{"color":219},{"type":320,"content":967},[968,984,997,1010],{"type":323,"attrs":969,"content":970},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[971],{"type":157,"attrs":972,"content":974},{"textAlign":26,"key":973},"p-56",[975],{"text":976,"type":163,"marks":977},"Deutsche Bank BusinessCard Direct",[978,981,983],{"type":748,"attrs":979},{"href":980,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.deutsche-bank.de/ub/unsere-loesungen/konto-zahlungsverkehr/kreditkarten.html",{"type":217,"attrs":982},{"color":754},{"type":756},{"type":323,"attrs":985,"content":987},{"colspan":325,"rowspan":325,"colwidth":986,"backgroundColor":26},[693],[988],{"type":157,"attrs":989,"content":991},{"textAlign":26,"key":990},"p-57",[992],{"text":993,"type":163,"marks":994},"Im ersten Jahr kostenlos, danach 24 Euro pro Jahr",[995],{"type":217,"attrs":996},{"color":219},{"type":323,"attrs":998,"content":1000},{"colspan":325,"rowspan":325,"colwidth":999,"backgroundColor":26},[708],[1001],{"type":157,"attrs":1002,"content":1004},{"textAlign":26,"key":1003},"p-58",[1005],{"text":1006,"type":163,"marks":1007},"Sofortige Belastung, null Tage Zahlungsziel",[1008],{"type":217,"attrs":1009},{"color":219},{"type":323,"attrs":1011,"content":1013},{"colspan":325,"rowspan":325,"colwidth":1012,"backgroundColor":26},[723],[1014],{"type":157,"attrs":1015,"content":1017},{"textAlign":26,"key":1016},"p-59",[1018],{"text":446,"type":163,"marks":1019},[1020],{"type":217,"attrs":1021},{"color":219},{"type":320,"content":1023},[1024,1039,1052,1065],{"type":323,"attrs":1025,"content":1026},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[1027],{"type":157,"attrs":1028,"content":1030},{"textAlign":26,"key":1029},"p-60",[1031],{"text":1032,"type":163,"marks":1033},"Deutsche Bank BusinessCard",[1034,1036,1038],{"type":748,"attrs":1035},{"href":980,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1037},{"color":754},{"type":756},{"type":323,"attrs":1040,"content":1042},{"colspan":325,"rowspan":325,"colwidth":1041,"backgroundColor":26},[693],[1043],{"type":157,"attrs":1044,"content":1046},{"textAlign":26,"key":1045},"p-61",[1047],{"text":1048,"type":163,"marks":1049},"29 Euro pro Jahr",[1050],{"type":217,"attrs":1051},{"color":219},{"type":323,"attrs":1053,"content":1055},{"colspan":325,"rowspan":325,"colwidth":1054,"backgroundColor":26},[708],[1056],{"type":157,"attrs":1057,"content":1059},{"textAlign":26,"key":1058},"p-62",[1060],{"text":1061,"type":163,"marks":1062},"Zehn Tage nach der Abrechnung",[1063],{"type":217,"attrs":1064},{"color":219},{"type":323,"attrs":1066,"content":1068},{"colspan":325,"rowspan":325,"colwidth":1067,"backgroundColor":26},[723],[1069],{"type":157,"attrs":1070,"content":1072},{"textAlign":26,"key":1071},"p-63",[1073],{"text":1074,"type":163,"marks":1075},"Mit PlusPaket 79 Euro und 20 Tage Zahlungsziel",[1076],{"type":217,"attrs":1077},{"color":219},{"type":320,"content":1079},[1080,1096,1109,1122],{"type":323,"attrs":1081,"content":1082},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[1083],{"type":157,"attrs":1084,"content":1086},{"textAlign":26,"key":1085},"p-64",[1087],{"text":1088,"type":163,"marks":1089},"DKB Visa Geschäftskreditkarte",[1090,1093,1095],{"type":748,"attrs":1091},{"href":1092,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.dkb.de/geschaeftskunden/konto-anlage/geschaeftskreditkarte",{"type":217,"attrs":1094},{"color":754},{"type":756},{"type":323,"attrs":1097,"content":1099},{"colspan":325,"rowspan":325,"colwidth":1098,"backgroundColor":26},[693],[1100],{"type":157,"attrs":1101,"content":1103},{"textAlign":26,"key":1102},"p-65",[1104],{"text":1105,"type":163,"marks":1106},"30 Euro pro neu ausgegebener Karte ab dem 1. Juli 2026",[1107],{"type":217,"attrs":1108},{"color":219},{"type":323,"attrs":1110,"content":1112},{"colspan":325,"rowspan":325,"colwidth":1111,"backgroundColor":26},[708],[1113],{"type":157,"attrs":1114,"content":1116},{"textAlign":26,"key":1115},"p-66",[1117],{"text":1118,"type":163,"marks":1119},"Abrechnung am 22. eines Monats",[1120],{"type":217,"attrs":1121},{"color":219},{"type":323,"attrs":1123,"content":1125},{"colspan":325,"rowspan":325,"colwidth":1124,"backgroundColor":26},[723],[1126],{"type":157,"attrs":1127,"content":1129},{"textAlign":26,"key":1128},"p-67",[1130],{"text":1131,"type":163,"marks":1132},"Bestehende, vorher kostenfreie Karten bleiben nach Anbieterangabe kostenfrei",[1133],{"type":217,"attrs":1134},{"color":219},{"type":320,"content":1136},[1137,1153,1166,1179],{"type":323,"attrs":1138,"content":1139},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[1140],{"type":157,"attrs":1141,"content":1143},{"textAlign":26,"key":1142},"p-68",[1144],{"text":1145,"type":163,"marks":1146},"Miles & More Blue Credit Card Business",[1147,1150,1152],{"type":748,"attrs":1148},{"href":1149,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.miles-and-more-kreditkarte.com/de/unternehmen/kreditkarten-fuer-ihre-mitarbeitenden.html",{"type":217,"attrs":1151},{"color":754},{"type":756},{"type":323,"attrs":1154,"content":1156},{"colspan":325,"rowspan":325,"colwidth":1155,"backgroundColor":26},[693],[1157],{"type":157,"attrs":1158,"content":1160},{"textAlign":26,"key":1159},"p-69",[1161],{"text":1162,"type":163,"marks":1163},"5,50 Euro pro Monat, 66 Euro pro Jahr",[1164],{"type":217,"attrs":1165},{"color":219},{"type":323,"attrs":1167,"content":1169},{"colspan":325,"rowspan":325,"colwidth":1168,"backgroundColor":26},[708],[1170],{"type":157,"attrs":1171,"content":1173},{"textAlign":26,"key":1172},"p-70",[1174],{"text":1175,"type":163,"marks":1176},"Kreditkartenabrechnung",[1177],{"type":217,"attrs":1178},{"color":219},{"type":323,"attrs":1180,"content":1182},{"colspan":325,"rowspan":325,"colwidth":1181,"backgroundColor":26},[723],[1183],{"type":157,"attrs":1184,"content":1186},{"textAlign":26,"key":1185},"p-71",[1187],{"text":1188,"type":163,"marks":1189},"Eine Meile je Euro Kartenumsatz",[1190],{"type":217,"attrs":1191},{"color":219},{"type":320,"content":1193},[1194,1209,1222,1234],{"type":323,"attrs":1195,"content":1196},{"colspan":325,"rowspan":325,"colwidth":26,"backgroundColor":26},[1197],{"type":157,"attrs":1198,"content":1200},{"textAlign":26,"key":1199},"p-72",[1201],{"text":1202,"type":163,"marks":1203},"Miles & More Gold Credit Card Business",[1204,1206,1208],{"type":748,"attrs":1205},{"href":1149,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1207},{"color":754},{"type":756},{"type":323,"attrs":1210,"content":1212},{"colspan":325,"rowspan":325,"colwidth":1211,"backgroundColor":26},[693],[1213],{"type":157,"attrs":1214,"content":1216},{"textAlign":26,"key":1215},"p-73",[1217],{"text":1218,"type":163,"marks":1219},"11,50 Euro pro Monat, 138 Euro pro Jahr",[1220],{"type":217,"attrs":1221},{"color":219},{"type":323,"attrs":1223,"content":1225},{"colspan":325,"rowspan":325,"colwidth":1224,"backgroundColor":26},[708],[1226],{"type":157,"attrs":1227,"content":1229},{"textAlign":26,"key":1228},"p-74",[1230],{"text":1175,"type":163,"marks":1231},[1232],{"type":217,"attrs":1233},{"color":219},{"type":323,"attrs":1235,"content":1237},{"colspan":325,"rowspan":325,"colwidth":1236,"backgroundColor":26},[723],[1238],{"type":157,"attrs":1239,"content":1241},{"textAlign":26,"key":1240},"p-75",[1242],{"text":1243,"type":163,"marks":1244},"Eine Meile je Euro Kartenumsatz und zusätzliche Reiseleistungen",[1245],{"type":217,"attrs":1246},{"color":219},{"type":157,"attrs":1248},{"textAlign":26,"key":1249},"p-76",{"type":157,"attrs":1251,"content":1253},{"textAlign":26,"key":1252},"p-77",[1254,1259,1267,1275],{"text":1255,"type":163,"marks":1256},"Die Jahrespreise und Leistungen sollten vor der Veröffentlichung erneut anhand der aktuellen",[1257],{"type":217,"attrs":1258},{"color":219},{"text":1260,"type":163,"marks":1261}," ",[1262,1265],{"type":748,"attrs":1263},{"href":1264,"uuid":26,"anchor":26,"target":26,"linktype":145},"https://www.miles-and-more.com/content/dam/mmg/touchpoint/web/pdf/Preis-und-Leistungsverzeichnis-fuer-die-Miles-More-Credit-Card-Kreditkarte.pdf",{"type":217,"attrs":1266},{"color":219},{"text":1268,"type":163,"marks":1269},"Preis- und Leistungsverzeichnisse",[1270,1272,1274],{"type":748,"attrs":1271},{"href":1264,"uuid":26,"anchor":26,"target":26,"linktype":145},{"type":217,"attrs":1273},{"color":754},{"type":756},{"text":1276,"type":163,"marks":1277}," geprüft werden. Konditionen können sich ändern.",[1278],{"type":217,"attrs":1279},{"color":219},{"type":298,"attrs":1281,"content":1282},{"level":657,"textAlign":26},[1283],{"text":1284,"type":163,"marks":1285},"Die Jahresgebühr mit der Anzahl der Karten multiplizieren",[1286],{"type":217,"attrs":1287},{"color":219},{"type":157,"attrs":1289,"content":1291},{"textAlign":26,"key":1290},"p-78",[1292],{"text":1293,"type":163,"marks":1294},"Die Jahresgebühr pro Karte wirkt zunächst überschaubar. Bei mehreren Karten wird daraus jedoch schnell ein relevanter Kostenblock.",[1295],{"type":217,"attrs":1296},{"color":219},{"type":157,"attrs":1298,"content":1300},{"textAlign":26,"key":1299},"p-79",[1301],{"text":1302,"type":163,"marks":1303},"Erhalten 25 Mitarbeitende jeweils eine American Express Business Gold Card mit einer Jahresgebühr von 175 Euro, entstehen jährlich 4.375 Euro an Kartenentgelten.",[1304],{"type":217,"attrs":1305},{"color":219},{"type":157,"attrs":1307,"content":1309},{"textAlign":26,"key":1308},"p-80",[1310],{"text":1311,"type":163,"marks":1312},"Bei 25 Commerzbank Business Cards Classic mit einer Jahresgebühr von 34,90 Euro sind es 872,50 Euro pro Jahr.",[1313],{"type":217,"attrs":1314},{"color":219},{"type":157,"attrs":1316,"content":1318},{"textAlign":26,"key":1317},"p-81",[1319],{"text":1320,"type":163,"marks":1321},"Diese Rechnung berücksichtigt noch keine Auslandseinsatzentgelte, Zusatzkarten, Bargeldabhebungen oder Kosten für ein Geschäftskonto.",[1322],{"type":217,"attrs":1323},{"color":219},{"type":285,"attrs":1325},{"id":287,"body":1326},[1327],{"_uid":1328,"link":1329,"asset":1332,"caption":1338,"component":1339},"i-eee0e552-301d-4b42-b470-694186cfc838",{"id":23,"url":23,"linktype":1330,"fieldtype":146,"cached_url":1331,"prep":42},"story","/de/",{"id":1333,"alt":1334,"name":23,"focus":23,"title":1335,"source":23,"filename":1336,"copyright":120,"fieldtype":142,"meta_data":1337,"is_external_url":29},231221039701829,"Zwei Kolleg:innen besprechen Geschäftskarten und Ausgabenunterlagen an einem Tisch in einem kleinen Büro","Zwei Kolleg:innen vergleichen Geschäftskarten","https://a.storyblok.com/f/146026/1536x1024/4adfc37830/inline-geschaeftskarten-fotorealistisch.png",{"alt":1334,"title":1335,"copyright":120},"Bei Geschäftskarten zählt nicht nur der Cashback, sondern auch die Kontrolle über jede Ausgabe.","image",{"type":298,"attrs":1341,"content":1342},{"level":657,"textAlign":26},[1343],{"text":1344,"type":163,"marks":1345},"Zusatzkarten können den Vergleich deutlich verändern",[1346],{"type":217,"attrs":1347},{"color":219},{"type":157,"attrs":1349,"content":1351},{"textAlign":26,"key":1350},"p-82",[1352],{"text":1353,"type":163,"marks":1354},"Prüfen Sie immer, ob Zusatzkarten kostenlos sind oder einzeln berechnet werden. Bei der American Express Business Gold Card nennt der Anbieter bis zu 99 kostenfreie Zusatzkarten.",[1355],{"type":217,"attrs":1356},{"color":219},{"type":157,"attrs":1358,"content":1360},{"textAlign":26,"key":1359},"p-83",[1361],{"text":1362,"type":163,"marks":1363},"Bei anderen Karten wird jede zusätzliche Karte separat berechnet. Die DKB berechnet für neu ausgegebene Visa Geschäftskreditkarten seit dem 1. Juli 2026 eine Jahresgebühr von 30 Euro pro Karte. Karten, die bereits vorher bestanden, bleiben nach der aktuellen Anbieterangabe kostenfrei.",[1364],{"type":217,"attrs":1365},{"color":219},{"type":157,"attrs":1367,"content":1369},{"textAlign":26,"key":1368},"p-84",[1370],{"text":1371,"type":163,"marks":1372},"Bei Miles & More kostet eine Blue Credit Card Business 5,50 Euro pro Monat. Eine Gold Credit Card Business kostet 11,50 Euro pro Monat. Für 25 Blue Cards ergibt das 1.650 Euro pro Jahr, für 25 Gold Cards 3.450 Euro pro Jahr.",[1373],{"type":217,"attrs":1374},{"color":219},{"type":157,"attrs":1376,"content":1378},{"textAlign":26,"key":1377},"p-85",[1379],{"text":1380,"type":163,"marks":1381},"Vergleichen Sie deshalb nicht nur den Preis der Hauptkarte, sondern die Gesamtkosten für alle benötigten Karten.",[1382],{"type":217,"attrs":1383},{"color":219},{"type":298,"attrs":1385,"content":1386},{"level":300,"textAlign":26},[1387],{"text":1388,"type":163,"marks":1389},"Auslandseinsatz und Bargeld können die Gesamtkosten erhöhen",[1390],{"type":217,"attrs":1391},{"color":219},{"type":157,"attrs":1393,"content":1395},{"textAlign":26,"key":1394},"p-86",[1396],{"text":1397,"type":163,"marks":1398},"Für Teams mit internationalen Geschäftsreisen sind die Gebühren für Fremdwährungen besonders wichtig.",[1399],{"type":217,"attrs":1400},{"color":219},{"type":157,"attrs":1402,"content":1404},{"textAlign":26,"key":1403},"p-87",[1405],{"text":1406,"type":163,"marks":1407},"Ein Vertriebsteam bezahlt beispielsweise innerhalb eines Jahres 6.000 Euro in Schweizer Franken und britischen Pfund. Bei einem Auslandseinsatzentgelt von 1,5 Prozent entstehen 90 Euro zusätzliche Kosten. Bei einem Entgelt von zwei Prozent sind es 120 Euro.",[1408],{"type":217,"attrs":1409},{"color":219},{"type":157,"attrs":1411,"content":1413},{"textAlign":26,"key":1412},"p-88",[1414,1419,1425,1433,1438,1444,1452],{"text":1415,"type":163,"marks":1416},"Auch Bargeldabhebungen können teuer sein. Die",[1417],{"type":217,"attrs":1418},{"color":219},{"text":1260,"type":163,"marks":1420},[1421,1423],{"type":748,"attrs":1422},{"href":924,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1424},{"color":219},{"text":1426,"type":163,"marks":1427},"Commerzbank",[1428,1430,1432],{"type":748,"attrs":1429},{"href":924,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1431},{"color":754},{"type":756},{"text":1434,"type":163,"marks":1435}," nennt für die Business Card Premium ein Entgelt von 1,95 Prozent des Auszahlungsbetrags, mindestens jedoch 5,98 Euro. Für",[1436],{"type":217,"attrs":1437},{"color":219},{"text":1260,"type":163,"marks":1439},[1440,1442],{"type":748,"attrs":1441},{"href":1264,"uuid":26,"anchor":26,"target":26,"linktype":145},{"type":217,"attrs":1443},{"color":219},{"text":1445,"type":163,"marks":1446},"Miles & More Business Cards",[1447,1449,1451],{"type":748,"attrs":1448},{"href":1264,"uuid":26,"anchor":26,"target":26,"linktype":145},{"type":217,"attrs":1450},{"color":754},{"type":756},{"text":1453,"type":163,"marks":1454}," nennt das Preis- und Leistungsverzeichnis zwei Prozent, mindestens fünf Euro, für Bargeldabhebungen an Geldautomaten.",[1455],{"type":217,"attrs":1456},{"color":219},{"type":157,"attrs":1458,"content":1460},{"textAlign":26,"key":1459},"p-89",[1461],{"text":1462,"type":163,"marks":1463},"Prüfen Sie zusätzlich, ob außerhalb des Euroraums ein Entgelt für die Währungsumrechnung anfällt. Dieses kann bei Kartenzahlungen und bei Bargeldabhebungen unterschiedlich ausfallen.",[1464],{"type":217,"attrs":1465},{"color":219},{"type":298,"attrs":1467,"content":1468},{"level":300,"textAlign":26},[1469],{"text":1470,"type":163,"marks":1471},"Reiseversicherungen sind nur unter bestimmten Bedingungen ein Vorteil",[1472],{"type":217,"attrs":1473},{"color":219},{"type":157,"attrs":1475,"content":1476},{"textAlign":26,"key":159},[1477],{"text":1478,"type":163,"marks":1479},"Einige Geschäftskarten enthalten Reiseversicherungen. Dazu können beispielsweise eine Auslandskrankenversicherung, eine Reiseunfallversicherung oder eine Mietwagenversicherung gehören.",[1480],{"type":217,"attrs":1481},{"color":219},{"type":157,"attrs":1483,"content":1484},{"textAlign":26,"key":222},[1485],{"text":1486,"type":163,"marks":1487},"Der Versicherungsschutz ist jedoch häufig an Bedingungen geknüpft. Teilweise muss die Reise mit der jeweiligen Karte bezahlt worden sein. Außerdem können Selbstbeteiligungen, Höchstbeträge, Ausschlüsse und Vorgaben zur Reisedauer gelten.",[1488],{"type":217,"attrs":1489},{"color":219},{"type":157,"attrs":1491,"content":1492},{"textAlign":26,"key":231},[1493],{"text":1494,"type":163,"marks":1495},"Rechnen Sie den Versicherungsschutz deshalb nur dann als finanziellen Vorteil ein, wenn:",[1496],{"type":217,"attrs":1497},{"color":219},{"type":239,"content":1499},[1500,1510,1520,1530],{"type":242,"content":1501},[1502],{"type":157,"attrs":1503,"content":1504},{"textAlign":26,"key":246},[1505],{"text":1506,"type":163,"marks":1507},"Ihr Team regelmäßig geschäftlich reist",[1508],{"type":217,"attrs":1509},{"color":219},{"type":242,"content":1511},[1512],{"type":157,"attrs":1513,"content":1514},{"textAlign":26,"key":257},[1515],{"text":1516,"type":163,"marks":1517},"die Versicherung die relevanten Risiken abdeckt",[1518],{"type":217,"attrs":1519},{"color":219},{"type":242,"content":1521},[1522],{"type":157,"attrs":1523,"content":1524},{"textAlign":26,"key":268},[1525],{"text":1526,"type":163,"marks":1527},"noch keine Gruppenversicherung besteht",[1528],{"type":217,"attrs":1529},{"color":219},{"type":242,"content":1531},[1532],{"type":157,"attrs":1533,"content":1534},{"textAlign":26,"key":277},[1535],{"text":1536,"type":163,"marks":1537},"die Bedingungen zum Reiseverhalten Ihres Unternehmens passen",[1538],{"type":217,"attrs":1539},{"color":219},{"type":157,"attrs":1541,"content":1542},{"textAlign":26,"key":309},[1543],{"text":1544,"type":163,"marks":1545},"Lesen Sie vor dem Vertragsabschluss die Versicherungsbedingungen und nicht nur die Produktübersicht.",[1546],{"type":217,"attrs":1547},{"color":219},{"type":298,"attrs":1549,"content":1550},{"level":300,"textAlign":26},[1551],{"text":1552,"type":163,"marks":1553},"Zahlungsziel und Abrechnung als Liquiditätshebel",[1554],{"type":217,"attrs":1555},{"color":219},{"type":157,"attrs":1557,"content":1558},{"textAlign":26,"key":329},[1559],{"text":1560,"type":163,"marks":1561},"Bei einer Kreditkarte kann das Zahlungsziel die Liquiditätsplanung erleichtern. Die Ausgaben werden zunächst gesammelt und später vom Geschäftskonto abgebucht.",[1562],{"type":217,"attrs":1563},{"color":219},{"type":157,"attrs":1565,"content":1566},{"textAlign":26,"key":345},[1567],{"text":1568,"type":163,"marks":1569},"Eine Leitung Finanzen mit monatlichen Kartenausgaben von 40.000 Euro sieht den Effekt deutlich: Ein längeres Zahlungsziel kann kurzfristig finanziellen Spielraum schaffen. Dieser Vorteil besteht aber nur, wenn das Geld bis zur Abbuchung nicht bereits für Gehälter, Mieten oder Lieferantenrechnungen eingeplant ist.",[1570],{"type":217,"attrs":1571},{"color":219},{"type":157,"attrs":1573,"content":1574},{"textAlign":26,"key":360},[1575],{"text":1576,"type":163,"marks":1577},"Außerdem wird die gesammelte Kartensumme an einem bestimmten Tag belastet. Dieser Termin muss in die Liquiditätsplanung aufgenommen werden.",[1578],{"type":217,"attrs":1579},{"color":219},{"type":157,"attrs":1581,"content":1582},{"textAlign":26,"key":375},[1583,1588,1594,1602,1607,1613,1621],{"text":1584,"type":163,"marks":1585},"Bei der",[1586],{"type":217,"attrs":1587},{"color":219},{"text":1260,"type":163,"marks":1589},[1590,1592],{"type":748,"attrs":1591},{"href":980,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1593},{"color":219},{"text":1595,"type":163,"marks":1596},"Deutschen Bank",[1597,1599,1601],{"type":748,"attrs":1598},{"href":980,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1600},{"color":754},{"type":756},{"text":1603,"type":163,"marks":1604}," beträgt das Zahlungsziel laut der aktuellen Übersicht null Tage bei der BusinessCard Direct, zehn Tage bei der BusinessCard und 20 Tage mit PlusPaket. Die",[1605],{"type":217,"attrs":1606},{"color":219},{"text":1260,"type":163,"marks":1608},[1609,1611],{"type":748,"attrs":1610},{"href":1092,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1612},{"color":219},{"text":1614,"type":163,"marks":1615},"DKB",[1616,1618,1620],{"type":748,"attrs":1617},{"href":1092,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1619},{"color":754},{"type":756},{"text":1622,"type":163,"marks":1623}," rechnet ihre Visa Geschäftskreditkarte am 22. eines Monats ab und belastet einen bestehenden Sollsaldo wenige Tage später in einer Summe.",[1624],{"type":217,"attrs":1625},{"color":219},{"type":157,"attrs":1627,"content":1628},{"textAlign":26,"key":390},[1629],{"text":1630,"type":163,"marks":1631},"Prüfen Sie vor dem Vertragsabschluss:",[1632],{"type":217,"attrs":1633},{"color":219},{"type":239,"content":1635},[1636,1646,1656,1666,1676,1686],{"type":242,"content":1637},[1638],{"type":157,"attrs":1639,"content":1640},{"textAlign":26,"key":403},[1641],{"text":1642,"type":163,"marks":1643},"Wann wird der Kartenumsatz abgerechnet?",[1644],{"type":217,"attrs":1645},{"color":219},{"type":242,"content":1647},[1648],{"type":157,"attrs":1649,"content":1650},{"textAlign":26,"key":416},[1651],{"text":1652,"type":163,"marks":1653},"Wann wird der Betrag vom Geschäftskonto eingezogen?",[1654],{"type":217,"attrs":1655},{"color":219},{"type":242,"content":1657},[1658],{"type":157,"attrs":1659,"content":1660},{"textAlign":26,"key":429},[1661],{"text":1662,"type":163,"marks":1663},"Ist eine Teilzahlung möglich?",[1664],{"type":217,"attrs":1665},{"color":219},{"type":242,"content":1667},[1668],{"type":157,"attrs":1669,"content":1670},{"textAlign":26,"key":443},[1671],{"text":1672,"type":163,"marks":1673},"Welche Zinsen entstehen bei einer Teilzahlung oder bei Zahlungsverzug?",[1674],{"type":217,"attrs":1675},{"color":219},{"type":242,"content":1677},[1678],{"type":157,"attrs":1679,"content":1680},{"textAlign":26,"key":456},[1681],{"text":1682,"type":163,"marks":1683},"Können Sie individuelle Kartenlimits festlegen?",[1684],{"type":217,"attrs":1685},{"color":219},{"type":242,"content":1687},[1688],{"type":157,"attrs":1689,"content":1690},{"textAlign":26,"key":469},[1691],{"text":1692,"type":163,"marks":1693},"Wie werden Kartenumsätze im Online-Banking dargestellt?",[1694],{"type":217,"attrs":1695},{"color":219},{"type":157,"attrs":1697,"content":1698},{"textAlign":26,"key":482},[1699],{"text":1700,"type":163,"marks":1701},"Ein längeres Zahlungsziel ist damit kein kostenloser Kredit ohne Bedingungen. Es muss zur Liquiditätsplanung und zum Zahlungsprozess des Unternehmens passen.",[1702],{"type":217,"attrs":1703},{"color":219},{"type":298,"attrs":1705,"content":1706},{"level":300,"textAlign":26},[1707],{"text":1708,"type":163,"marks":1709},"Wann lohnt sich Cashback?",[1710],{"type":217,"attrs":1711},{"color":219},{"type":157,"attrs":1713,"content":1714},{"textAlign":26,"key":496},[1715],{"text":1716,"type":163,"marks":1717},"Cashback lohnt sich erst, wenn die Rückvergütung die Jahresgebühr und weitere Kosten übersteigt.",[1718],{"type":217,"attrs":1719},{"color":219},{"type":285,"attrs":1721},{"id":287,"body":1722},[1723],{"_uid":1724,"text":1725,"color":1726,"title":1727,"backCtas":1728,"backMedia":1729,"component":296},"i-78af4e25-ffb1-4864-b3db-412b4884ea84","Nettowert = Kartenumsatz mal Rückvergütungssatz minus Jahresgebühr minus Zusatzkosten","orange","Die einfache Rechnung lautet:",[],[],{"type":157,"attrs":1731,"content":1732},{"textAlign":26,"key":509},[1733,1738,1744,1751],{"text":1734,"type":163,"marks":1735},"Die",[1736],{"type":217,"attrs":1737},{"color":219},{"text":1260,"type":163,"marks":1739},[1740,1742],{"type":748,"attrs":1741},{"href":924,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1743},{"color":219},{"text":920,"type":163,"marks":1745},[1746,1748,1750],{"type":748,"attrs":1747},{"href":924,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":1749},{"color":754},{"type":756},{"text":1752,"type":163,"marks":1753}," erstattet laut Produktseite 0,55 Prozent auf Händlerumsätze des Vorjahres. Die Rückvergütung wird nicht auf Bargeldabhebungen angewendet.",[1754],{"type":217,"attrs":1755},{"color":219},{"type":157,"attrs":1757,"content":1758},{"textAlign":26,"key":522},[1759],{"text":1760,"type":163,"marks":1761},"Bei einer Jahresgebühr von 79,90 Euro liegt der rechnerische Break-even bei rund 14.528 Euro Händlerumsatz:",[1762],{"type":217,"attrs":1763},{"color":219},{"type":157,"attrs":1765,"content":1766},{"textAlign":26,"key":535},[1767],{"text":1768,"type":163,"marks":1769},"79,90 Euro geteilt durch 0,0055 ergeben rund 14.528 Euro.",[1770],{"type":217,"attrs":1771},{"color":219},{"type":157,"attrs":1773,"content":1774},{"textAlign":26,"key":544},[1775],{"text":1776,"type":163,"marks":1777},"Im Vergleich zur Business Card Classic beträgt der Preisunterschied 45 Euro. Die Premium-Karte muss daher rund 8.182 Euro Händlerumsatz erreichen, bevor die Rückvergütung diesen Mehrpreis ausgleicht.",[1778],{"type":217,"attrs":1779},{"color":219},{"type":157,"attrs":1781,"content":1782},{"textAlign":26,"key":547},[1783],{"text":1784,"type":163,"marks":1785},"Eine Gründer:in bezahlt beispielsweise 2.000 Euro monatlich für Software-Abos über die Premium-Karte. Bei 24.000 Euro Jahresumsatz entspricht eine Rückvergütung von 0,55 Prozent rund 132 Euro. Nach Abzug der Jahresgebühr bleiben rechnerisch 52,10 Euro.",[1786],{"type":217,"attrs":1787},{"color":219},{"type":157,"attrs":1789,"content":1790},{"textAlign":26,"key":556},[1791],{"text":1792,"type":163,"marks":1793},"Prüfen Sie dabei:",[1794],{"type":217,"attrs":1795},{"color":219},{"type":239,"content":1797},[1798,1808,1818,1828,1838],{"type":242,"content":1799},[1800],{"type":157,"attrs":1801,"content":1802},{"textAlign":26,"key":565},[1803],{"text":1804,"type":163,"marks":1805},"Auf welche Umsätze gilt die Rückvergütung?",[1806],{"type":217,"attrs":1807},{"color":219},{"type":242,"content":1809},[1810],{"type":157,"attrs":1811,"content":1812},{"textAlign":26,"key":582},[1813],{"text":1814,"type":163,"marks":1815},"Werden Bargeldabhebungen ausgeschlossen?",[1816],{"type":217,"attrs":1817},{"color":219},{"type":242,"content":1819},[1820],{"type":157,"attrs":1821,"content":1822},{"textAlign":26,"key":595},[1823],{"text":1824,"type":163,"marks":1825},"Wann wird die Rückvergütung ausgezahlt?",[1826],{"type":217,"attrs":1827},{"color":219},{"type":242,"content":1829},[1830],{"type":157,"attrs":1831,"content":1832},{"textAlign":26,"key":606},[1833],{"text":1834,"type":163,"marks":1835},"Gilt sie für jede Karte oder nur für ein bestimmtes Produkt?",[1836],{"type":217,"attrs":1837},{"color":219},{"type":242,"content":1839},[1840],{"type":157,"attrs":1841,"content":1842},{"textAlign":26,"key":617},[1843],{"text":1844,"type":163,"marks":1845},"Gibt es Mindestumsätze oder zeitlich begrenzte Aktionen?",[1846],{"type":217,"attrs":1847},{"color":219},{"type":298,"attrs":1849,"content":1850},{"level":657,"textAlign":26},[1851],{"text":1852,"type":163,"marks":1853},"Punkte und Meilen sind kein fester Geldwert",[1854],{"type":217,"attrs":1855},{"color":219},{"type":157,"attrs":1857,"content":1858},{"textAlign":26,"key":628},[1859],{"text":1860,"type":163,"marks":1861},"American Express bietet Membership Rewards. Miles & More schreibt den Business Cards eine Meile je Euro Kartenumsatz gut. Der tatsächliche Wert hängt jedoch von der jeweiligen Einlösung ab. Eine Meile oder ein Punkt entspricht deshalb nicht automatisch einem bestimmten Eurobetrag.",[1862],{"type":217,"attrs":1863},{"color":219},{"type":157,"attrs":1865,"content":1866},{"textAlign":26,"key":639},[1867],{"text":1868,"type":163,"marks":1869},"Bewerten Sie Punkte und Meilen nur dann als finanziellen Vorteil, wenn Ihr Unternehmen sie regelmäßig und sinnvoll einlösen kann. Andernfalls bleiben eine niedrigere Kartengebühr oder bessere Kontrollfunktionen möglicherweise wertvoller.",[1870],{"type":217,"attrs":1871},{"color":219},{"type":298,"attrs":1873,"content":1874},{"level":300,"textAlign":26},[1875],{"text":1876,"type":163,"marks":1877},"Wann ist Ausgabenkontrolle wichtiger als Cashback?",[1878],{"type":217,"attrs":1879},{"color":219},{"type":157,"attrs":1881,"content":1882},{"textAlign":26,"key":648},[1883],{"text":1884,"type":163,"marks":1885},"Cashback steigt mit dem Umsatz. Kontrollprobleme steigen dagegen häufig mit der Anzahl der Karten, Personen und laufenden Zahlungen.",[1886],{"type":217,"attrs":1887},{"color":219},{"type":157,"attrs":1889,"content":1890},{"textAlign":26,"key":666},[1891],{"text":1892,"type":163,"marks":1893},"In einem Team mit 30 Karteninhabenden läuft ein Software-Abo beispielsweise weiter, obwohl die verantwortliche Person das Unternehmen vor drei Monaten verlassen hat. Auf der Kartenabrechnung fällt die Belastung erst nachträglich auf. Die Rückvergütung beträgt möglicherweise nur wenige Euro, während die Kündigung, Rückerstattung und interne Klärung mehrere Stunden kosten.",[1894],{"type":217,"attrs":1895},{"color":219},{"type":157,"attrs":1897,"content":1898},{"textAlign":26,"key":682},[1899],{"text":1900,"type":163,"marks":1901},"Eine wirksame Ausgabenkontrolle setzt deshalb vor der Zahlung an:",[1902],{"type":217,"attrs":1903},{"color":219},{"type":239,"content":1905},[1906,1916,1926,1936,1946,1956,1966],{"type":242,"content":1907},[1908],{"type":157,"attrs":1909,"content":1910},{"textAlign":26,"key":697},[1911],{"text":1912,"type":163,"marks":1913},"Ausgabenlimits pro Karte",[1914],{"type":217,"attrs":1915},{"color":219},{"type":242,"content":1917},[1918],{"type":157,"attrs":1919,"content":1920},{"textAlign":26,"key":712},[1921],{"text":1922,"type":163,"marks":1923},"Limits nach Kategorie oder Budget",[1924],{"type":217,"attrs":1925},{"color":219},{"type":242,"content":1927},[1928],{"type":157,"attrs":1929,"content":1930},{"textAlign":26,"key":727},[1931],{"text":1932,"type":163,"marks":1933},"Freigabe vor dem Kauf",[1934],{"type":217,"attrs":1935},{"color":219},{"type":242,"content":1937},[1938],{"type":157,"attrs":1939,"content":1940},{"textAlign":26,"key":742},[1941],{"text":1942,"type":163,"marks":1943},"klare Zuordnung zu Kostenstelle und verantwortlicher Person",[1944],{"type":217,"attrs":1945},{"color":219},{"type":242,"content":1947},[1948],{"type":157,"attrs":1949,"content":1950},{"textAlign":26,"key":763},[1951],{"text":1952,"type":163,"marks":1953},"Echtzeitübersicht über Transaktionen",[1954],{"type":217,"attrs":1955},{"color":219},{"type":242,"content":1957},[1958],{"type":157,"attrs":1959,"content":1960},{"textAlign":26,"key":776},[1961],{"text":1962,"type":163,"marks":1963},"automatische Erinnerungen für fehlende Belege",[1964],{"type":217,"attrs":1965},{"color":219},{"type":242,"content":1967},[1968],{"type":157,"attrs":1969,"content":1970},{"textAlign":26,"key":789},[1971],{"text":1972,"type":163,"marks":1973},"Sperrung oder Einschränkung bei fehlenden Nachweisen",[1974],{"type":217,"attrs":1975},{"color":219},{"type":157,"attrs":1977,"content":1978},{"textAlign":26,"key":803},[1979],{"text":1980,"type":163,"marks":1981},"Bankkarten bieten je nach Produkt einzelne Kontrollfunktionen. Sie ersetzen aber nicht automatisch einen verbundenen Prozess aus Freigabe, Zahlung, Beleg und Buchhaltung.",[1982],{"type":217,"attrs":1983},{"color":219},{"type":157,"attrs":1985,"content":1986},{"textAlign":26,"key":820},[1987,1996],{"text":1988,"type":163,"marks":1989},"Spendesk verbindet virtuelle Karten mit Budgets, Freigaben und Belegen",[1990,1993,1995],{"type":748,"attrs":1991},{"href":1992,"uuid":26,"anchor":26,"target":26,"linktype":145},"https://www.spendesk.com/de/product/cards/virtual-cards/",{"type":217,"attrs":1994},{"color":754},{"type":756},{"text":1997,"type":163,"marks":1998},". Virtuelle Karten können für einzelne Einkäufe, mehrere Transaktionen oder wiederkehrende Zahlungen eingerichtet werden. Laut Spendesk werden mehr als 95 Prozent der Belege innerhalb von zwei Tagen eingereicht.",[1999],{"type":217,"attrs":2000},{"color":219},{"type":157,"attrs":2002,"content":2003},{"textAlign":26,"key":833},[2004],{"text":2005,"type":163,"marks":2006},"Für die Auswahl einer Lösung ist deshalb entscheidend, ob die Karte nur bezahlt oder ob sie den gesamten Ausgabenprozess unterstützt.",[2007],{"type":217,"attrs":2008},{"color":219},{"type":298,"attrs":2010,"content":2011},{"level":300,"textAlign":26},[2012],{"text":2013,"type":163,"marks":2014},"Ein Kartenumsatz braucht einen passenden Beleg",[2015],{"type":217,"attrs":2016},{"color":219},{"type":157,"attrs":2018,"content":2019},{"textAlign":26,"key":846},[2020],{"text":2021,"type":163,"marks":2022},"Die Kartenabrechnung zeigt, dass ein Betrag belastet wurde. Sie ersetzt nicht automatisch die Rechnung oder den Kassenbeleg des jeweiligen Anbieters.",[2023],{"type":217,"attrs":2024},{"color":219},{"type":157,"attrs":2026,"content":2027},{"textAlign":26,"key":860},[2028,2033,2040,2048],{"text":2029,"type":163,"marks":2030},"Nach den",[2031],{"type":217,"attrs":2032},{"color":219},{"text":1260,"type":163,"marks":2034},[2035,2038],{"type":748,"attrs":2036},{"href":2037,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://ao.bundesfinanzministerium.de/ao/2023/Anhaenge/BMF-Schreiben-und-gleichlautende-Laendererlasse/Anhang-64/anhang-64.html",{"type":217,"attrs":2039},{"color":219},{"text":2041,"type":163,"marks":2042},"GoBD des Bundesfinanzministeriums",[2043,2045,2047],{"type":748,"attrs":2044},{"href":2037,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":2046},{"color":754},{"type":756},{"text":2049,"type":163,"marks":2050}," muss jeder Geschäftsvorfall durch einen geeigneten Beleg nachgewiesen werden. Ist kein Fremdbeleg vorhanden, muss ein Eigenbeleg erstellt werden.",[2051],{"type":217,"attrs":2052},{"color":219},{"type":157,"attrs":2054,"content":2055},{"textAlign":26,"key":877},[2056],{"text":2057,"type":163,"marks":2058},"Für Kartenzahlungen sollte das Finanzteam deshalb prüfen:",[2059],{"type":217,"attrs":2060},{"color":219},{"type":239,"content":2062},[2063,2073,2083,2093,2103,2113],{"type":242,"content":2064},[2065],{"type":157,"attrs":2066,"content":2067},{"textAlign":26,"key":890},[2068],{"text":2069,"type":163,"marks":2070},"Ist der Beleg direkt der Transaktion zugeordnet?",[2071],{"type":217,"attrs":2072},{"color":219},{"type":242,"content":2074},[2075],{"type":157,"attrs":2076,"content":2077},{"textAlign":26,"key":903},[2078],{"text":2079,"type":163,"marks":2080},"Sind Lieferant, Betrag und Umsatzsteuer erkennbar?",[2081],{"type":217,"attrs":2082},{"color":219},{"type":242,"content":2084},[2085],{"type":157,"attrs":2086,"content":2087},{"textAlign":26,"key":917},[2088],{"text":2089,"type":163,"marks":2090},"Ist die Kostenstelle hinterlegt?",[2091],{"type":217,"attrs":2092},{"color":219},{"type":242,"content":2094},[2095],{"type":157,"attrs":2096,"content":2097},{"textAlign":26,"key":934},[2098],{"text":2099,"type":163,"marks":2100},"Wurde die Ausgabe freigegeben?",[2101],{"type":217,"attrs":2102},{"color":219},{"type":242,"content":2104},[2105],{"type":157,"attrs":2106,"content":2107},{"textAlign":26,"key":947},[2108],{"text":2109,"type":163,"marks":2110},"Ist der Beleg unverändert archiviert?",[2111],{"type":217,"attrs":2112},{"color":219},{"type":242,"content":2114},[2115],{"type":157,"attrs":2116,"content":2117},{"textAlign":26,"key":959},[2118],{"text":2119,"type":163,"marks":2120},"Können die Daten an DATEV oder das ERP-System übergeben werden?",[2121],{"type":217,"attrs":2122},{"color":219},{"type":157,"attrs":2124,"content":2125},{"textAlign":26,"key":973},[2126],{"text":2127,"type":163,"marks":2128},"Eine zentrale Belegerfassung reduziert Rückfragen am Monatsende. Besonders bei Software-Abos, Online-Werbung und Geschäftsreisen sollte die Belegerfassung direkt nach der Zahlung erfolgen.",[2129],{"type":217,"attrs":2130},{"color":219},{"type":298,"attrs":2132,"content":2133},{"level":657,"textAlign":26},[2134],{"text":2135,"type":163,"marks":2136},"Aufbewahrung von Kartenbelegen",[2137],{"type":217,"attrs":2138},{"color":219},{"type":157,"attrs":2140,"content":2141},{"textAlign":26,"key":990},[2142,2147,2154,2162,2167,2174,2182],{"text":2143,"type":163,"marks":2144},"Seit dem 1. Januar 2025 beträgt die gesetzliche Aufbewahrungsfrist für Buchungsbelege grundsätzlich acht Jahre. Bücher, Aufzeichnungen, Inventare und Jahresabschlüsse sind weiterhin grundsätzlich zehn Jahre aufzubewahren. Maßgeblich sind unter anderem",[2145],{"type":217,"attrs":2146},{"color":219},{"text":1260,"type":163,"marks":2148},[2149,2152],{"type":748,"attrs":2150},{"href":2151,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.gesetze-im-internet.de/ao_1977/__147.html",{"type":217,"attrs":2153},{"color":219},{"text":2155,"type":163,"marks":2156},"Paragraph 147 AO",[2157,2159,2161],{"type":748,"attrs":2158},{"href":2151,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":2160},{"color":754},{"type":756},{"text":2163,"type":163,"marks":2164}," und",[2165],{"type":217,"attrs":2166},{"color":219},{"text":1260,"type":163,"marks":2168},[2169,2172],{"type":748,"attrs":2170},{"href":2171,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.gesetze-im-internet.de/hgb/__257.html",{"type":217,"attrs":2173},{"color":219},{"text":2175,"type":163,"marks":2176},"Paragraph 257 HGB",[2177,2179,2181],{"type":748,"attrs":2178},{"href":2171,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":2180},{"color":754},{"type":756},{"text":2183,"type":163,"marks":2184},".",[2185],{"type":217,"attrs":2186},{"color":219},{"type":157,"attrs":2188,"content":2189},{"textAlign":26,"key":1003},[2190],{"text":2191,"type":163,"marks":2192},"Die konkrete Einordnung kann im Einzelfall davon abhängen, welche Funktion ein Dokument erfüllt. Bewahren Sie die Originaldaten einer digitalen Rechnung in der ursprünglichen Form auf und klären Sie Sonderfälle mit Ihrer steuerlichen Beratung.",[2193],{"type":217,"attrs":2194},{"color":219},{"type":298,"attrs":2196,"content":2197},{"level":300,"textAlign":26},[2198],{"text":2199,"type":163,"marks":2200},"Haftung bei Firmenkarten",[2201],{"type":217,"attrs":2202},{"color":219},{"type":157,"attrs":2204,"content":2205},{"textAlign":26,"key":1016},[2206],{"text":2207,"type":163,"marks":2208},"Wer bei Verlust, Diebstahl oder missbräuchlicher Nutzung einer Firmenkarte haftet, ergibt sich aus dem Kartenvertrag und den gesetzlichen Regelungen.",[2209],{"type":217,"attrs":2210},{"color":219},{"type":157,"attrs":2212,"content":2213},{"textAlign":26,"key":1029},[2214],{"text":2215,"type":163,"marks":2216},"Unternehmen sollten vor dem Rollout prüfen:",[2217],{"type":217,"attrs":2218},{"color":219},{"type":239,"content":2220},[2221,2231,2241,2251,2261,2271],{"type":242,"content":2222},[2223],{"type":157,"attrs":2224,"content":2225},{"textAlign":26,"key":1045},[2226],{"text":2227,"type":163,"marks":2228},"Wer haftet für Umsätze mit Zusatzkarten?",[2229],{"type":217,"attrs":2230},{"color":219},{"type":242,"content":2232},[2233],{"type":157,"attrs":2234,"content":2235},{"textAlign":26,"key":1058},[2236],{"text":2237,"type":163,"marks":2238},"Welche Pflichten bestehen bei Verlust oder Diebstahl?",[2239],{"type":217,"attrs":2240},{"color":219},{"type":242,"content":2242},[2243],{"type":157,"attrs":2244,"content":2245},{"textAlign":26,"key":1071},[2246],{"text":2247,"type":163,"marks":2248},"Welche Frist gilt für die Meldung?",[2249],{"type":217,"attrs":2250},{"color":219},{"type":242,"content":2252},[2253],{"type":157,"attrs":2254,"content":2255},{"textAlign":26,"key":1085},[2256],{"text":2257,"type":163,"marks":2258},"Gibt es eine Haftungsbegrenzung?",[2259],{"type":217,"attrs":2260},{"color":219},{"type":242,"content":2262},[2263],{"type":157,"attrs":2264,"content":2265},{"textAlign":26,"key":1102},[2266],{"text":2267,"type":163,"marks":2268},"Können individuelle Kartenlimits festgelegt werden?",[2269],{"type":217,"attrs":2270},{"color":219},{"type":242,"content":2272},[2273],{"type":157,"attrs":2274,"content":2275},{"textAlign":26,"key":1115},[2276],{"text":2277,"type":163,"marks":2278},"Was passiert bei vorsätzlichem oder grob fahrlässigem Verhalten?",[2279],{"type":217,"attrs":2280},{"color":219},{"type":157,"attrs":2282,"content":2283},{"textAlign":26,"key":1128},[2284,2289,2296,2304,2309,2316,2324],{"text":2285,"type":163,"marks":2286},"Für geschäftlich genutzte Karten können vertragliche Regelungen von den Vorgaben für Verbraucherkarten abweichen. Die Haftungsregeln nach",[2287],{"type":217,"attrs":2288},{"color":219},{"text":1260,"type":163,"marks":2290},[2291,2294],{"type":748,"attrs":2292},{"href":2293,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.gesetze-im-internet.de/bgb/__675v.html",{"type":217,"attrs":2295},{"color":219},{"text":2297,"type":163,"marks":2298},"Paragraph 675v BGB",[2299,2301,2303],{"type":748,"attrs":2300},{"href":2293,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":2302},{"color":754},{"type":756},{"text":2305,"type":163,"marks":2306}," und mögliche Abweichungen für Unternehmen nach",[2307],{"type":217,"attrs":2308},{"color":219},{"text":1260,"type":163,"marks":2310},[2311,2314],{"type":748,"attrs":2312},{"href":2313,"uuid":26,"anchor":26,"target":751,"linktype":145},"https://www.gesetze-im-internet.de/bgb/__675e.html",{"type":217,"attrs":2315},{"color":219},{"text":2317,"type":163,"marks":2318},"Paragraph 675e BGB",[2319,2321,2323],{"type":748,"attrs":2320},{"href":2313,"uuid":26,"anchor":26,"target":751,"linktype":145},{"type":217,"attrs":2322},{"color":754},{"type":756},{"text":2325,"type":163,"marks":2326}," sollten deshalb zusammen mit den konkreten Kartenbedingungen geprüft werden.",[2327],{"type":217,"attrs":2328},{"color":219},{"type":157,"attrs":2330,"content":2331},{"textAlign":26,"key":1142},[2332],{"text":2333,"type":163,"marks":2334},"Eine allgemeine Aussage wie „Die Haftung beträgt immer 50 Euro“ wäre zu kurz gegriffen. Lesen Sie die konkreten Kartenbedingungen vor der Ausgabe an Mitarbeitende.",[2335],{"type":217,"attrs":2336},{"color":219},{"type":298,"attrs":2338,"content":2339},{"level":300,"textAlign":26},[2340],{"text":2341,"type":163,"marks":2342},"Geschäftskarten in sechs Schritten vergleichen",[2343],{"type":217,"attrs":2344},{"color":219},{"type":157,"attrs":2346,"content":2347},{"textAlign":26,"key":1159},[2348],{"text":2349,"type":163,"marks":2350},"Gehen Sie beim Vergleich systematisch vor.",[2351],{"type":217,"attrs":2352},{"color":219},{"type":298,"attrs":2354,"content":2355},{"level":657,"textAlign":26},[2356],{"text":2357,"type":163,"marks":2358},"1. Kartenbedarf ermitteln",[2359],{"type":217,"attrs":2360},{"color":219},{"type":157,"attrs":2362,"content":2363},{"textAlign":26,"key":1172},[2364],{"text":2365,"type":163,"marks":2366},"Legen Sie fest, wie viele Personen eine Karte benötigen und welche Ausgaben darüber laufen sollen. Unterscheiden Sie zwischen Geschäftsreisen, Software-Abos, Werbeausgaben, Einkäufen und einmaligen Zahlungen.",[2367],{"type":217,"attrs":2368},{"color":219},{"type":298,"attrs":2370,"content":2371},{"level":657,"textAlign":26},[2372],{"text":2373,"type":163,"marks":2374},"2. Gesamtkosten berechnen",[2375],{"type":217,"attrs":2376},{"color":219},{"type":157,"attrs":2378,"content":2379},{"textAlign":26,"key":1185},[2380],{"text":2381,"type":163,"marks":2382},"Multiplizieren Sie die Jahresgebühr mit der Zahl der Karten. Ergänzen Sie Zusatzkarten, Auslandseinsatz, Bargeld, Versicherungen und mögliche Kontogebühren.",[2383],{"type":217,"attrs":2384},{"color":219},{"type":298,"attrs":2386,"content":2387},{"level":657,"textAlign":26},[2388],{"text":2389,"type":163,"marks":2390},"3. Zahlungsmodell prüfen",[2391],{"type":217,"attrs":2392},{"color":219},{"type":157,"attrs":2394,"content":2395},{"textAlign":26,"key":1199},[2396],{"text":2397,"type":163,"marks":2398},"Vergleichen Sie Debit, Kredit und Prepaid. Prüfen Sie Zahlungsziel, Abbuchungstermin, Teilzahlung und mögliche Zinsen.",[2399],{"type":217,"attrs":2400},{"color":219},{"type":298,"attrs":2402,"content":2403},{"level":657,"textAlign":26},[2404],{"text":2405,"type":163,"marks":2406},"4. Kontrollfunktionen bewerten",[2407],{"type":217,"attrs":2408},{"color":219},{"type":157,"attrs":2410,"content":2411},{"textAlign":26,"key":1215},[2412],{"text":2413,"type":163,"marks":2414},"Fragen Sie, ob Sie Limits, Freigaben, Kategorien und Budgets vor der Zahlung festlegen können. Prüfen Sie außerdem, ob Karten bei Austritt einer Person sofort gesperrt werden können.",[2415],{"type":217,"attrs":2416},{"color":219},{"type":298,"attrs":2418,"content":2419},{"level":657,"textAlign":26},[2420],{"text":2421,"type":163,"marks":2422},"5. Beleg- und Buchhaltungsprozess testen",[2423],{"type":217,"attrs":2424},{"color":219},{"type":157,"attrs":2426,"content":2427},{"textAlign":26,"key":1228},[2428,2433,2440,2448],{"text":2429,"type":163,"marks":2430},"Lassen Sie sich zeigen, wie Belege erfasst, geprüft, Kostenstellen zugeordnet und an DATEV oder ein ERP-System übergeben werden. Die",[2431],{"type":217,"attrs":2432},{"color":219},{"text":1260,"type":163,"marks":2434},[2435,2438],{"type":748,"attrs":2436},{"href":2437,"uuid":26,"anchor":26,"target":26,"linktype":145},"https://www.spendesk.com/de/integrations/spend-management-datev/",{"type":217,"attrs":2439},{"color":219},{"text":2441,"type":163,"marks":2442},"DATEV-Integration von Spendesk",[2443,2445,2447],{"type":748,"attrs":2444},{"href":2437,"uuid":26,"anchor":26,"target":26,"linktype":145},{"type":217,"attrs":2446},{"color":754},{"type":756},{"text":2449,"type":163,"marks":2450}," beschreibt beispielsweise die Übergabe von Zahlungsinformationen, Belegen und Kategorien.",[2451],{"type":217,"attrs":2452},{"color":219},{"type":298,"attrs":2454,"content":2455},{"level":657,"textAlign":26},[2456],{"text":2457,"type":163,"marks":2458},"6. Vertragsbedingungen lesen",[2459],{"type":217,"attrs":2460},{"color":219},{"type":157,"attrs":2462,"content":2463},{"textAlign":26,"key":1240},[2464],{"text":2465,"type":163,"marks":2466},"Prüfen Sie Haftung, Kündigungsfristen, Ersatzkarten, Versicherungen, Zusatzkarten und Änderungen der Gebühren.",[2467],{"type":217,"attrs":2468},{"color":219},{"type":157,"attrs":2470,"content":2471},{"textAlign":26,"key":1249},[2472],{"text":2473,"type":163,"marks":2474},"Wenn Sie Karten, Budgets, Freigaben und Belege in einem gemeinsamen Prozess steuern möchten, kann eine Lösung für Ausgabenmanagement die Kontrolle vor der Zahlung ergänzen. Prüfen Sie dabei, welche Kartenmodelle, Freigaberegeln und Buchhaltungsintegrationen zu Ihrem Unternehmen passen.",[2475],{"type":217,"attrs":2476},{"color":219},{"name":2478,"created_at":2479,"published_at":16,"updated_at":2480,"id":2481,"uuid":2482,"content":2483,"slug":2490,"full_slug":2491,"sort_by_date":26,"position":71,"tag_list":2492,"is_startpage":29,"parent_id":2493,"meta_data":26,"group_id":2494,"first_published_at":2495,"release_id":26,"lang":33,"path":26,"alternates":2496,"default_full_slug":2497,"translated_slugs":2498,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":2484,"icon":2485,"name":2478,"component":2489},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":2486,"alt":2487,"name":23,"focus":23,"title":23,"filename":2488,"copyright":23,"fieldtype":142,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[2499,2500,2501],{"path":2497,"name":26,"lang":38,"published":26},{"path":2497,"name":26,"lang":33,"published":26},{"path":2497,"name":26,"lang":41,"published":26},[33],[],[],"2026-10-16 00:00",[],[2508],{"_uid":2509,"link":2510,"asset":2511,"caption":23,"component":1339},"b95a1631-c364-4f77-81a9-42a9893d156f",{"id":23,"url":23,"linktype":1330,"fieldtype":146,"cached_url":1331,"prep":42},{"id":2512,"alt":2513,"name":23,"focus":23,"title":2514,"source":23,"filename":2515,"copyright":120,"fieldtype":142,"meta_data":2516,"is_external_url":29},231274188442623,"Grafische Darstellung einer Geschäftskarte mit Symbolen für sichere und kontrollierte Unternehmensausgaben","Geschäftskarten im Vergleich: Gebühren und Ausgabenkontrolle","https://a.storyblok.com/f/146026/1536x1024/88d15b062c/titelbild-geschaeftskarten-ohne-waage-ohne-zettel.png",{"alt":2513,"title":2514,"copyright":120},"Geschäftskarten im Vergleich: Gebühren, Cashback, Zahlungsziele und Ausgabenkontrolle. Erfahren Sie, welche Firmenkarte zu Ihrem Unternehmen passt.",[2519],{"cta":2520,"_uid":2535,"image":2536,"title":2538,"subtitle":2554,"component":2555,"imageFullWidth":29},[2521],{"tag":23,"_uid":2522,"hide":29,"icon":2523,"link":2525,"type":23,"label":2534,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29,"isDownloadable":29},"b89d2dd3-52d5-4b5d-922e-308ea5d0d5c1",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":2524},{},{"id":2526,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2527,"prep":42,"story":2528},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/de/schedule-a-demo/",{"name":2529,"id":2530,"uuid":2526,"slug":2531,"url":2532,"full_slug":2533,"_stopResolving":42},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","de/schedule-a-demo/","Demo buchen","07ebb9f3-7d44-413a-8f66-8e115d2c8b58",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":2537},{},{"type":154,"attrs":2539,"content":2540},{"backgroundColor":26},[2541],{"type":157,"attrs":2542,"content":2543},{"textAlign":26,"key":159},[2544],{"text":2545,"type":163,"marks":2546},"Geschäftskarten mit mehr Kontrolle verwalten",[2547,2550],{"type":217,"attrs":2548},{"color":2549},"oklch(0.206 0.005 67.543)",{"type":2551,"attrs":2552},"styled",{"class":2553},"text-item-heading text-item-heading-md","Vergleichen Sie Geschäftskarten nicht nur nach Gebühren und Cashback. Mit Spendesk verbinden Sie Firmenkarten mit Budgets, Freigaben und Belegen. So behält Ihr Finanzteam Ausgaben im Blick und reduziert manuelle Nacharbeit beim Monatsabschluss.","ctaBlock",[2557],{"cta":2558,"_uid":2559,"items":2560,"heading":2632,"reverse":29,"component":2652,"sectionSettings":2653},[],"6cf537d8-6c03-4972-806d-13a8261ff8c8",[2561,2576,2590,2604,2618],{"_uid":2562,"hide":29,"title":2563,"component":2564,"description":2565},"2032d829-aff2-4bcc-a616-7884459a1a0b","Was kostet eine Geschäftskarte pro Jahr?","faqItem",{"type":154,"attrs":2566,"content":2567},{"backgroundColor":26},[2568],{"type":157,"attrs":2569,"content":2570},{"textAlign":26,"key":159},[2571],{"text":2572,"type":163,"marks":2573},"Die Kosten hängen vom Anbieter und Kartentyp ab. In diesem Vergleich reichen die Jahresgebühren von 24 Euro für die Deutsche Bank BusinessCard Direct nach dem ersten Jahr bis zu 850 Euro für die American Express Business Platinum Card. Miles & More berechnet für die Blue Credit Card Business 5,50 Euro pro Monat und für die Gold Credit Card Business 11,50 Euro pro Monat.",[2574],{"type":217,"attrs":2575},{"color":219},{"_uid":2577,"hide":29,"title":2578,"component":2564,"description":2579},"9c90d4ff-d904-45c3-9dbb-7125e43db0ed","Was ist der Unterschied zwischen einer Kreditkarte und einer Debitkarte?",{"type":154,"attrs":2580,"content":2581},{"backgroundColor":26},[2582],{"type":157,"attrs":2583,"content":2584},{"textAlign":26,"key":159},[2585],{"text":2586,"type":163,"marks":2587},"Eine Kreditkarte sammelt Umsätze und belastet das Geschäftskonto später. Eine Debitkarte bucht den Betrag in der Regel direkt vom Konto ab. Dadurch entsteht bei einer Debitkarte kein Kreditrahmen aus der Kartennutzung. Eine Prepaid-Karte nutzt ein vorher bereitgestelltes Budget.",[2588],{"type":217,"attrs":2589},{"color":219},{"_uid":2591,"hide":29,"title":2592,"component":2564,"description":2593},"78b6f22d-c175-4fb0-9840-e605bf713a4f","Lohnt sich Cashback bei Geschäftskarten?",{"type":154,"attrs":2594,"content":2595},{"backgroundColor":26},[2596],{"type":157,"attrs":2597,"content":2598},{"textAlign":26,"key":159},[2599],{"text":2600,"type":163,"marks":2601},"Cashback lohnt sich nur, wenn die Rückvergütung die Jahresgebühr und weitere Kosten übersteigt. Bei der Commerzbank Business Card Premium liegt der rechnerische Break-even bei rund 14.528 Euro Händlerumsatz pro Jahr. Entscheidend sind die konkreten Bedingungen der jeweiligen Karte.",[2602],{"type":217,"attrs":2603},{"color":219},{"_uid":2605,"hide":29,"title":2606,"component":2564,"description":2607},"bf70d497-d8a4-4c9a-90a5-9578bd95b2bc","Ist die Kreditkartenabrechnung ein ausreichender Beleg?",{"type":154,"attrs":2608,"content":2609},{"backgroundColor":26},[2610],{"type":157,"attrs":2611,"content":2612},{"textAlign":26,"key":159},[2613],{"text":2614,"type":163,"marks":2615},"Nicht automatisch. Die Kartenabrechnung dokumentiert die Belastung, ersetzt aber nicht zwingend die Rechnung oder den Kassenbeleg des Anbieters. Bewahren Sie den passenden Beleg zur jeweiligen Transaktion auf und ordnen Sie ihn der Kartenzahlung zu.",[2616],{"type":217,"attrs":2617},{"color":219},{"_uid":2619,"hide":29,"title":2620,"component":2564,"description":2621},"81d48b3f-82f6-4fad-98e9-1970e0d6bb87","Wie wichtig sind Freigaben und Belege?",{"type":154,"attrs":2622,"content":2623},{"backgroundColor":26},[2624],{"type":157,"attrs":2625,"content":2626},{"textAlign":26,"key":159},[2627],{"text":2628,"type":163,"marks":2629},"Je mehr Personen Karten nutzen, desto wichtiger werden Limits, Freigaben und Belegpflichten. Eine Karte mit Cashback kann günstiger wirken, verursacht aber zusätzliche Arbeit, wenn das Finanzteam fehlende Belege, unklare Kostenstellen oder nicht mehr benötigte Abos nachträglich klären muss.",[2630],{"type":217,"attrs":2631},{"color":219},[2633],{"cta":2634,"_uid":2635,"title":2636,"layout":23,"eyebrow":2644,"subtitle":2647,"component":298,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2650,"sectionSettings":2651,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"e40adc4a-0799-4f19-911b-01f144e26cbf",{"type":154,"attrs":2637,"content":2638},{"backgroundColor":26},[2639],{"type":298,"attrs":2640,"content":2641},{"level":300,"textAlign":26},[2642],{"text":2643,"type":163},"Häufige Fragen zu Geschäftskarten",{"type":154,"content":2645},[2646],{"type":157},{"type":154,"content":2648},[2649],{"type":157},[],[],"faqSection",[],"geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle","de/blog/geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle",-3720,[],176386517,"a577cbdb-e11d-462f-b6cc-ac5bf0192fe5","2026-10-16T09:38:26.206Z",[],"blog/geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle",[2664,2665,2666],{"path":2662,"name":26,"lang":38,"published":26},{"path":2662,"name":26,"lang":33,"published":26},{"path":2662,"name":26,"lang":41,"published":26},{"header":2668,"footer":3343,"commonContent":3755,"userCentricsAndSegmentMappingTable":3933},{"name":2669,"created_at":2670,"published_at":2671,"updated_at":2672,"id":2673,"uuid":2674,"content":2675,"slug":3173,"full_slug":3330,"sort_by_date":26,"position":71,"tag_list":3331,"is_startpage":29,"parent_id":3333,"meta_data":26,"group_id":3334,"first_published_at":3335,"release_id":26,"lang":33,"path":3336,"alternates":3337,"default_full_slug":3338,"translated_slugs":3339},"Header","2022-03-03T10:18:44.837Z","2026-10-29T11:36:19.639Z","2026-10-29T11:36:19.664Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":2676,"logo":2677,"navbar":2681,"loginBtn":3172,"component":3173,"languages":3174,"logoBlack":3193,"logoWhite":3197,"topNavbar":3202,"footerLinks":3211,"socialLinks":3230,"homepageLink":3270,"getStartedBtn":3282,"announcementBanner":3289,"localeSwitcherTitle":3329},"d642d99f-3914-487e-abe1-9515eca76325",{"id":2678,"alt":120,"name":23,"focus":23,"title":120,"source":23,"filename":2679,"copyright":23,"fieldtype":142,"meta_data":2680,"is_external_url":29},4112223,"https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[2682,2890,2902,2915,3092],{"_uid":2683,"label":2684,"columns":2685,"component":2853,"headingNewBranding":2854},"99e54924-f77d-4501-978a-b578da0140ca","Produkt",[2686,2770],{"_uid":2687,"ctas":2688,"label":2684,"component":2768,"labelColor":23,"backgroundIconColor":2769},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[2689,2705,2721,2736,2752],{"tag":23,"_uid":2690,"hide":29,"icon":2691,"link":2695,"type":23,"label":2704,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":2692,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2693,"copyright":23,"fieldtype":142,"meta_data":2694,"is_external_url":29},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":2696,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2697,"prep":42,"story":2698},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","/de/platform/mcp",{"name":2699,"id":2700,"uuid":2696,"slug":2701,"url":2702,"full_slug":2703,"_stopResolving":42},"MCP",184147202165078,"mcp","platform/mcp","de/platform/mcp","Spendesk AI Connect",{"tag":23,"_uid":2706,"icon":2707,"link":2711,"type":23,"label":2720,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":2708,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2709,"copyright":23,"fieldtype":142,"meta_data":2710,"is_external_url":29},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":2712,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2713,"prep":42,"story":2714},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","/de/product/cards/",{"name":2715,"id":2716,"uuid":2712,"slug":2717,"url":2718,"full_slug":2719,"_stopResolving":42},"Cards",193401086247857,"cards","product/cards/","de/product/cards/","Karten",{"tag":23,"_uid":2722,"hide":29,"icon":2723,"link":2727,"type":23,"label":2731,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":2724,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2725,"copyright":23,"fieldtype":142,"meta_data":2726,"is_external_url":29},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":2728,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2729,"prep":42,"story":2730},"54aaf12a-503f-42e6-afbc-61919d53f941","/de/product/procurement",{"name":2731,"id":2732,"uuid":2728,"slug":2733,"url":2734,"full_slug":2735,"_stopResolving":42},"Procurement",193401601446119,"procurement","product/procurement","de/product/procurement",{"tag":23,"_uid":2737,"hide":29,"icon":2738,"link":2742,"type":23,"label":2751,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":2739,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2740,"copyright":23,"fieldtype":142,"meta_data":2741,"is_external_url":29},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":2743,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2744,"prep":42,"story":2745},"5a15816c-5303-499e-9774-f4eab6597303","/de/product/accounts-payable",{"name":2746,"id":2747,"uuid":2743,"slug":2748,"url":2749,"full_slug":2750,"_stopResolving":42},"Accounts Payable",193400887722918,"accounts-payable","product/accounts-payable","de/product/accounts-payable","Eingangsrechnungen",{"tag":23,"_uid":2753,"icon":2754,"link":2758,"type":23,"label":2767,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":2755,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2756,"copyright":23,"fieldtype":142,"meta_data":2757,"is_external_url":29},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":2759,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2760,"prep":42,"story":2761},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","/de/product/expense-management",{"name":2762,"id":2763,"uuid":2759,"slug":2764,"url":2765,"full_slug":2766,"_stopResolving":42},"Expense Management",193401429506811,"expense-management","product/expense-management","de/product/expense-management","Spesen","ctasColumn","--color-accent-06",{"_uid":2771,"ctas":2772,"label":2852,"component":2768,"labelColor":23,"backgroundIconColor":2769},"c7e769a0-95c8-49e3-a177-8c7061def31b",[2773,2789,2805,2821,2837],{"tag":23,"_uid":2774,"hide":29,"icon":2775,"link":2779,"type":23,"label":2788,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":2776,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2777,"copyright":23,"fieldtype":142,"meta_data":2778,"is_external_url":29},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":2780,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2781,"prep":42,"story":2782},"28bb9756-1ece-4e77-95d1-14f9384a14c9","/de/platform/spends-controls",{"name":2783,"id":2784,"uuid":2780,"slug":2785,"url":2786,"full_slug":2787,"_stopResolving":42},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls","de/platform/spend-controls","Ausgabenkontrollen",{"tag":23,"_uid":2790,"hide":29,"icon":2791,"link":2795,"type":23,"label":2804,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":2792,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2793,"copyright":23,"fieldtype":142,"meta_data":2794,"is_external_url":29},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":2796,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2797,"prep":42,"story":2798},"fd085d94-f53b-4b62-8db8-a7210e0836c2","/de/platform/ai-automation",{"name":2799,"id":2800,"uuid":2796,"slug":2801,"url":2802,"full_slug":2803,"_stopResolving":42},"AI & Automation",193401551136651,"ai-automation","platform/ai-automation","de/platform/ai-automation","AI",{"tag":23,"_uid":2806,"hide":29,"icon":2807,"link":2811,"type":23,"label":2820,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":2808,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2809,"copyright":23,"fieldtype":142,"meta_data":2810,"is_private":29,"is_external_url":29},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":2812,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2813,"prep":42,"story":2814},"e0594f7b-c01a-45b3-96e2-186a17439c46","/de/integrations/",{"name":2815,"id":2816,"uuid":2812,"slug":2817,"url":2818,"full_slug":2819,"_stopResolving":42},"Integrations",129006144,"integrations","integrations/","de/integrations/","API & Integrationen",{"tag":23,"_uid":2822,"icon":2823,"link":2827,"type":23,"label":2836,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":2824,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2825,"copyright":23,"fieldtype":142,"meta_data":2826,"is_external_url":29},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":2828,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2829,"prep":42,"story":2830},"3d432995-4a9f-417f-b7d9-48e760bf8646","/de/product/multi-entity-management",{"name":2831,"id":2832,"uuid":2828,"slug":2833,"url":2834,"full_slug":2835,"_stopResolving":42},"Multi-Entity Management",193401474719366,"multi-entity-management","product/multi-entity-management","de/product/multi-entity-management","Multi-Entity-Management",{"tag":23,"_uid":2838,"icon":2839,"link":2843,"type":23,"label":2847,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":2840,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2841,"copyright":23,"fieldtype":142,"meta_data":2842,"is_external_url":29},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":2844,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2845,"prep":42,"story":2846},"b419cae8-61d4-4ab4-919b-71875ceab832","/de/product/budget",{"name":2847,"id":2848,"uuid":2844,"slug":2849,"url":2850,"full_slug":2851,"_stopResolving":42},"Budget",193401384269658,"budget","product/budget","de/product/budget","Plattform ","dropdownMenu",[2855],{"cta":2856,"_uid":2871,"title":2872,"eyebrow":2879,"subtitle":2882,"component":298,"textAlign":23,"sectionSettings":2889,"subtitleLeftBorder":29},[2857],{"tag":23,"_uid":2858,"hide":29,"icon":2859,"link":2860,"type":23,"label":2870,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142},{"id":2861,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2862,"prep":42,"story":2863},"0c6c4fbe-f44e-4fe1-8340-f16097c5e857","/de/platform/platform-releases/october-update-2026",{"name":2864,"id":2865,"uuid":2861,"slug":2866,"url":2867,"translated_name":2868,"full_slug":2869,"_stopResolving":42},"October update 2026",225204977508410,"october-update-2026","platform/platform-releases/october-update-2026","Oktober Update 2026","de/platform/platform-releases/oktober-update-2026","Jetzt entdecken","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":154,"content":2873},[2874],{"type":157,"attrs":2875,"content":2876},{"textAlign":26,"key":159},[2877],{"text":2878,"type":163},"Was ist neu",{"type":154,"content":2880},[2881],{"type":157},{"type":154,"content":2883},[2884],{"type":157,"attrs":2885,"content":2886},{"textAlign":26,"key":159},[2887],{"text":2888,"type":163},"Ihr neuestes Spendesk-Produktupdate ist da",[],{"tag":23,"_uid":2891,"hide":29,"icon":2892,"link":2893,"type":23,"label":2901,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"3e099d1d-7633-470a-b225-70ff55117055",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142},{"id":2894,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2895,"prep":42,"story":2896},"3fa6ea10-966e-4089-af4b-7e6e442aa044","/de/pricing",{"name":2897,"id":2898,"uuid":2894,"slug":2899,"url":2899,"full_slug":2900,"_stopResolving":42},"Pricing",118542802,"pricing","de/pricing","Preise",{"tag":23,"_uid":2903,"icon":2904,"link":2905,"type":23,"label":2914,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142},{"id":2906,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2907,"prep":42,"story":2908},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","/de/customers/",{"name":2909,"id":2910,"uuid":2906,"slug":2911,"url":2912,"full_slug":2913,"_stopResolving":42},"Listing page",107236629,"customers","customers/","de/customers/","Referenzen",{"_uid":2916,"label":2917,"columns":2918,"component":2853,"headingNewBranding":3091},"59752063-d282-4855-95bc-45cfb825ed90","Ressourcen ",[2919,2986,3060],{"_uid":2920,"ctas":2921,"label":2984,"component":2768,"labelColor":23,"backgroundIconColor":2985},"705444cd-cbfb-417a-99c3-8481453ed293",[2922,2938,2954,2968],{"tag":23,"_uid":2923,"icon":2924,"link":2928,"type":23,"label":2937,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":2925,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2926,"copyright":23,"fieldtype":142,"meta_data":2927,"is_private":29,"is_external_url":29},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":2929,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2930,"prep":42,"story":2931},"f85ca87f-b289-449f-9fc4-9c760a70f55b","/de/blog/",{"name":2932,"id":2933,"uuid":2929,"slug":2934,"url":2935,"full_slug":2936,"_stopResolving":42},"Blog homepage (listing page)",181576014,"blog","blog/","de/blog/","Blog",{"tag":23,"_uid":2939,"hide":29,"icon":2940,"link":2944,"type":23,"label":2953,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":2941,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2942,"copyright":23,"fieldtype":142,"meta_data":2943,"is_external_url":29},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":2945,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2946,"prep":42,"story":2947},"06849c8d-cf20-4692-b0d3-1a26c8b49950","/de/events/",{"name":2948,"id":2949,"uuid":2945,"slug":2950,"url":2951,"full_slug":2952,"_stopResolving":42},"Events listing page",86201135839603,"events","events/","de/events/","Veranstaltungen & Webinare",{"tag":23,"_uid":2955,"hide":29,"icon":2956,"link":2960,"type":23,"label":2964,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":2957,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2958,"copyright":23,"fieldtype":142,"meta_data":2959,"is_external_url":29},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":2961,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2962,"prep":42,"story":2963},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","/de/faq",{"name":2964,"id":2965,"uuid":2961,"slug":2966,"url":2966,"full_slug":2967,"_stopResolving":42},"FAQ",126231937,"faq","de/faq",{"tag":23,"_uid":2969,"hide":29,"icon":2970,"link":2974,"type":23,"label":2983,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":2971,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2972,"copyright":23,"fieldtype":142,"meta_data":2973,"is_external_url":29},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":2975,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2976,"prep":42,"story":2977},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","/de/glossary/",{"name":2978,"id":2979,"uuid":2975,"slug":2980,"url":2981,"full_slug":2982,"_stopResolving":42},"Glossary",127190994,"glossary","glossary/","de/glossary/","Glossar","Content","--color-accent-05",{"_uid":2987,"ctas":2988,"label":3059,"component":2768,"labelColor":23,"backgroundIconColor":2985},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[2989,3001,3016,3031,3047],{"tag":23,"_uid":2990,"hide":29,"icon":2991,"link":2993,"type":23,"label":2997,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":2792,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2793,"copyright":23,"fieldtype":142,"meta_data":2992,"is_external_url":29},{},{"id":2994,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2995,"prep":42,"story":2996},"9425912b-288d-48f1-a7c7-6247f58ed8ed","/de/ai",{"name":2997,"id":2998,"uuid":2994,"slug":2999,"url":2999,"full_slug":3000,"_stopResolving":42},"AI Hub",114865617041697,"ai","de/ai",{"tag":23,"_uid":3002,"icon":3003,"link":3007,"type":23,"label":3015,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":3004,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3005,"copyright":23,"fieldtype":142,"meta_data":3006,"is_external_url":29},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":3008,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3009,"prep":42,"story":3010},"b116361a-f2a4-40f7-a021-4b9b64edade9","/de/finance-resources",{"name":3011,"id":3012,"uuid":3008,"slug":3013,"url":3013,"full_slug":3014,"_stopResolving":42},"Finance resources",363638378,"finance-resources","de/finance-resources","Finanzwissen",{"tag":23,"_uid":3017,"hide":29,"icon":3018,"link":3022,"type":23,"label":3026,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":3019,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3020,"copyright":23,"fieldtype":142,"meta_data":3021,"is_external_url":29},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":3023,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3024,"prep":42,"story":3025},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","/de/tools/cfo-tech-stack-map",{"name":3026,"id":3027,"uuid":3023,"slug":3028,"url":3029,"full_slug":3030,"_stopResolving":42},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map","tools/cfo-tech-stack-map","de/tools/cfo-tech-stack-map",{"tag":23,"_uid":3032,"hide":29,"icon":3033,"link":3037,"type":23,"label":3046,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":3034,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3035,"copyright":23,"fieldtype":142,"meta_data":3036,"is_external_url":29},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":3038,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3039,"prep":42,"story":3040},"ab956bec-b6b4-434a-b4aa-b772873f9577","/de/tools/spend-management-calculator",{"name":3041,"id":3042,"uuid":3038,"slug":3043,"url":3044,"full_slug":3045,"_stopResolving":42},"ROI calculator",159362364,"spend-management-calculator","tools/spend-management-calculator","de/tools/spend-management-calculator","Ausgabenrechner",{"tag":23,"_uid":3048,"icon":3049,"link":3051,"type":23,"label":3058,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"hide":42},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":2739,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2740,"copyright":23,"fieldtype":142,"meta_data":3050,"is_external_url":29},{},{"id":3052,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3053,"prep":42,"story":3054},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","/de/tools/hmrc-mileage-calculator",{"name":3055,"id":3056,"uuid":3052,"slug":3055,"url":3057,"full_slug":3057,"_stopResolving":42},"hmrc-mileage-calculator",590567568,"tools/hmrc-mileage-calculator","HMRC Mileage Calculator","Ressourcen und Tools",{"_uid":3061,"ctas":3062,"label":3090,"component":2768,"backgroundIconColor":2985},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[3063,3072,3081],{"tag":23,"_uid":3064,"icon":3065,"link":3069,"type":23,"label":3071,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":3066,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3067,"copyright":23,"fieldtype":142,"meta_data":3068,"is_external_url":29},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":23,"url":3070,"linktype":145,"fieldtype":146,"cached_url":3070},"https://www.cfoconnect.eu/en/","CFO Connect beitreten",{"tag":23,"_uid":3073,"icon":3074,"link":3078,"type":23,"label":3080,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":3075,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3076,"copyright":23,"fieldtype":142,"meta_data":3077,"is_external_url":29},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":23,"url":3079,"linktype":145,"fieldtype":146,"cached_url":3079},"https://www.cfoconnect.eu/events/","CFO Connect Veranstaltungen",{"tag":23,"_uid":3082,"icon":3083,"link":3087,"type":23,"label":3089,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":3084,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3085,"copyright":23,"fieldtype":142,"meta_data":3086,"is_private":29,"is_external_url":29},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":23,"url":3088,"linktype":145,"cached_url":3088},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Faces of Finance","Community",[],{"_uid":3093,"label":3094,"columns":3095,"component":2853,"headingNewBranding":3171},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Unternehmen",[3096,3137],{"_uid":3097,"ctas":3098,"label":3094,"component":2768,"labelColor":23,"backgroundIconColor":2769},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[3099,3112,3121],{"tag":23,"_uid":3100,"hide":29,"icon":3101,"link":3103,"type":23,"label":3111,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":2824,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2825,"copyright":23,"fieldtype":142,"meta_data":3102,"is_private":29,"is_external_url":29},{},{"id":3104,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3105,"prep":42,"story":3106},"e44ca227-8de9-44c9-93ac-9229f1e769ba","/de/about",{"name":3107,"id":3108,"uuid":3104,"slug":3109,"url":3109,"full_slug":3110,"_stopResolving":42},"Our story",126213445,"about","de/about","Mission",{"tag":23,"_uid":3113,"hide":29,"icon":3114,"link":3118,"type":23,"label":3120,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":3115,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3116,"copyright":23,"fieldtype":142,"meta_data":3117,"is_external_url":29},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":23,"url":3119,"linktype":145,"fieldtype":146,"cached_url":3119},"https://career.spendesk.com/de/","Karriere",{"tag":23,"_uid":3122,"hide":29,"icon":3123,"link":3127,"type":23,"label":3136,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":3124,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3125,"copyright":23,"fieldtype":142,"meta_data":3126,"is_external_url":29},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":3128,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3129,"prep":42,"story":3130},"f09d7678-b42b-4c68-b4a5-3d26d457355c","/de/press/",{"name":3131,"id":3132,"uuid":3128,"slug":3133,"url":3134,"full_slug":3135,"_stopResolving":42},"Spendesk Press",265014512,"press","press/","de/press/","Presse",{"_uid":3138,"ctas":3139,"label":1260,"component":2768,"labelColor":23,"backgroundIconColor":2769},"59a11592-e6cb-405d-8208-9e3c365ac046",[3140,3156],{"tag":23,"_uid":3141,"hide":29,"icon":3142,"link":3146,"type":23,"label":3155,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":3143,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3144,"copyright":23,"fieldtype":142,"meta_data":3145,"is_private":29,"is_external_url":29},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":3147,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3148,"prep":42,"story":3149},"256bc156-b5de-4af2-a9d9-17e2f24d8448","/de/partners/",{"name":3150,"id":3151,"uuid":3147,"slug":3152,"url":3153,"full_slug":3154,"_stopResolving":42},"Partners",113802294,"partners","partners/","de/partners/","Partnerprogramm",{"tag":23,"_uid":3157,"hide":29,"icon":3158,"link":3162,"type":23,"label":3170,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":3159,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3160,"copyright":23,"fieldtype":142,"meta_data":3161,"is_private":29,"is_external_url":29},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":3163,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3164,"prep":42,"story":3165},"07eb4f4d-6829-4200-a43a-40fe668dbd09","/de/contact-us",{"name":3166,"id":3167,"uuid":3163,"slug":3168,"url":3168,"full_slug":3169,"_stopResolving":42},"Contact us",126275406,"contact-us","de/contact-us","Kontakt",[],"Anmelden","header",[3175,3180,3185,3189],{"_uid":3176,"code":33,"name":3177,"component":3178,"shortName":3179},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":3181,"code":3182,"name":3183,"component":3178,"shortName":3184},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":3186,"code":41,"name":3187,"component":3178,"shortName":3188},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":3190,"code":38,"name":3191,"component":3178,"shortName":3192},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":3194,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3195,"copyright":23,"fieldtype":142,"meta_data":3196,"is_external_url":29},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":3198,"alt":120,"name":23,"focus":23,"title":3199,"source":23,"filename":3200,"copyright":23,"fieldtype":142,"meta_data":3201,"is_external_url":29},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[3203],{"tag":23,"_uid":3204,"hide":29,"icon":3205,"link":3207,"type":23,"label":3209,"style":147,"component":148,"onClickEvent":3210,"openInANewTab":42,"horizontalFill":29},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3206},{},{"id":23,"url":3208,"linktype":145,"fieldtype":146,"cached_url":3208},"https://helpcenter.spendesk.com/de/","Help Center","website:navbar:helpcenter_cta:clicked",[3212,3217],{"tag":23,"_uid":3213,"hide":29,"icon":3214,"link":3216,"type":23,"label":3209,"style":147,"component":148,"onClickEvent":3210,"openInANewTab":42,"horizontalFill":29},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3215},{},{"id":23,"url":3208,"linktype":145,"fieldtype":146,"cached_url":3208},{"tag":23,"_uid":3218,"hide":29,"icon":3219,"link":3221,"type":23,"label":3229,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142,"meta_data":3220,"is_external_url":29},{},{"id":3222,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3223,"prep":42,"story":3224},"0fcd9d53-6332-4709-aeeb-2e72863eb107","/de/spendesk-security",{"name":3225,"id":3226,"uuid":3222,"slug":3227,"url":3227,"full_slug":3228,"_stopResolving":42},"Security",126230553,"spendesk-security","de/spendesk-security","Sicherheit",[3231,3239,3247,3254,3262],{"tag":23,"_uid":3232,"icon":3233,"link":3237,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":3234,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3235,"copyright":23,"fieldtype":142,"meta_data":3236,"is_external_url":29},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":23,"url":3238,"linktype":145,"fieldtype":146,"cached_url":3238},"https://www.facebook.com/spendesk/",{"tag":23,"_uid":3240,"icon":3241,"link":3245,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":3242,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3243,"copyright":23,"fieldtype":142,"meta_data":3244,"is_private":29,"is_external_url":29},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":23,"url":3246,"linktype":145,"fieldtype":146,"cached_url":3246},"https://www.instagram.com/spendesk",{"tag":23,"_uid":3248,"icon":3249,"link":3253,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":3250,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3251,"copyright":23,"fieldtype":142,"meta_data":3252,"is_private":29,"is_external_url":29},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":23,"url":144,"linktype":145,"fieldtype":146,"cached_url":144},{"tag":23,"_uid":3255,"icon":3256,"link":3260,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":3257,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3258,"copyright":23,"fieldtype":142,"meta_data":3259,"is_private":29,"is_external_url":29},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":23,"url":3261,"linktype":145,"fieldtype":146,"cached_url":3261},"https://x.com/Spendesk",{"tag":23,"_uid":3263,"hide":29,"icon":3264,"link":3268,"type":23,"label":23,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":42,"horizontalFill":29},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":3265,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3266,"copyright":23,"fieldtype":142,"meta_data":3267,"is_private":29,"is_external_url":29},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":23,"url":3269,"linktype":145,"fieldtype":146,"cached_url":3269},"https://www.youtube.com/c/spendesk",[3271],{"tag":23,"_uid":3272,"hide":29,"icon":3273,"link":3274,"type":23,"label":23,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142},{"id":3275,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3276,"prep":42,"story":3277},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","/de/home",{"name":3278,"id":3279,"uuid":3275,"slug":3280,"url":3280,"full_slug":3281,"_stopResolving":42},"Homepage",106735746,"home","de/home",[3283],{"tag":23,"_uid":3284,"hide":29,"icon":3285,"link":3286,"type":23,"label":2534,"style":147,"component":148,"onClickEvent":3288,"openInANewTab":29,"horizontalFill":29},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":2526,"url":23,"anchor":23,"linktype":1330,"fieldtype":146,"cached_url":2527,"prep":42,"story":3287},{"name":2529,"id":2530,"uuid":2526,"slug":2531,"url":2532,"full_slug":2533,"_stopResolving":42},"website:navbar:book_a_demo_cta:clicked",[3290],{"_uid":3291,"hide":29,"style":3292,"content":3293,"display":3315,"component":3316,"hideOnMobile":29,"mobileContent":3317},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":154,"attrs":3294,"content":3295},{"backgroundColor":26},[3296],{"type":157,"attrs":3297,"content":3298},{"textAlign":26,"key":159},[3299,3301],{"text":3300,"type":163},"Spendesk und DATEV, nahtlos verbunden für deutsche Finanzteams 👉 ",{"text":3302,"type":163,"marks":3303},"Mehr erfahren",[3304],{"type":748,"attrs":3305},{"href":3306,"uuid":3307,"anchor":26,"target":3308,"linktype":1330,"story":3309},"/de/lp/datev-schnittstelle","b9983577-ddd1-4a66-b420-f5a2911accd1","_self",{"name":3310,"id":3311,"uuid":3307,"slug":3312,"url":3313,"full_slug":3314,"_stopResolving":42},"DATEV native integration",131512680,"datev-schnittstelle","lp/datev-schnittstelle","de/lp/datev-schnittstelle","Whole website","announcementBanner",{"type":154,"attrs":3318,"content":3319},{"backgroundColor":26},[3320],{"type":157,"attrs":3321,"content":3322},{"textAlign":26,"key":159},[3323,3324],{"text":3300,"type":163},{"text":3302,"type":163,"marks":3325},[3326],{"type":748,"attrs":3327},{"href":3306,"uuid":3307,"anchor":26,"target":3308,"linktype":1330,"story":3328},{"name":3310,"id":3311,"uuid":3307,"slug":3312,"url":3313,"full_slug":3314,"_stopResolving":42},"Wählen Sie Ihre Sprache","de/global-components/header",[3332],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],"global-components/header",[3340,3341,3342],{"path":3338,"name":26,"lang":38,"published":26},{"path":3338,"name":26,"lang":33,"published":26},{"path":3338,"name":26,"lang":41,"published":26},{"name":3344,"created_at":3345,"published_at":3346,"updated_at":3347,"id":3348,"uuid":3349,"content":3350,"slug":3563,"full_slug":3744,"sort_by_date":26,"position":3745,"tag_list":3746,"is_startpage":29,"parent_id":3333,"meta_data":26,"group_id":3747,"first_published_at":3748,"release_id":26,"lang":33,"path":2935,"alternates":3749,"default_full_slug":3750,"translated_slugs":3751},"Footer","2022-03-03T10:27:46.390Z","2026-11-05T16:18:15.983Z","2026-11-05T16:18:16.023Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":3351,"lists":3352,"component":3563,"logoLinks":3564,"legalLinks":3581,"socialLinks":3639,"newsletterForm":3665,"complianceLogos":3703,"newsletterTitle":3712,"smallDescription":3713,"newsletterSubtitle":3719,"legalDescriptionText":3720},"68acc184-683a-412b-863a-297708c3cffb",[3353,3387,3441,3531],{"_uid":3354,"ctas":3355,"label":2684,"component":2768,"labelColor":23,"backgroundIconColor":23},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[3356,3363,3369,3375,3381],{"tag":23,"_uid":3357,"hide":29,"icon":3358,"link":3360,"type":23,"label":3362,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"d7c91b3c-6e8c-4210-82fb-50a835efded0",{"id":2692,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2693,"copyright":23,"fieldtype":142,"meta_data":3359,"is_external_url":29},{},{"id":2696,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2697,"prep":42,"story":3361},{"name":2699,"id":2700,"uuid":2696,"slug":2701,"url":2702,"full_slug":2703,"_stopResolving":42},"Spendesk AI connect",{"tag":23,"_uid":3364,"icon":3365,"link":3367,"type":23,"label":2720,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"8fe65f6f-350a-43a6-bd1e-c689ca139c00",{"id":2708,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2709,"copyright":23,"fieldtype":142,"meta_data":3366,"is_external_url":29},{},{"id":2712,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2713,"prep":42,"story":3368},{"name":2715,"id":2716,"uuid":2712,"slug":2717,"url":2718,"full_slug":2719,"_stopResolving":42},{"tag":23,"_uid":3370,"hide":29,"icon":3371,"link":3373,"type":23,"label":2731,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"49e8fc3a-b545-40f3-89b6-fef1979dfcfc",{"id":2724,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2725,"copyright":23,"fieldtype":142,"meta_data":3372,"is_external_url":29},{},{"id":2728,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2729,"prep":42,"story":3374},{"name":2731,"id":2732,"uuid":2728,"slug":2733,"url":2734,"full_slug":2735,"_stopResolving":42},{"tag":23,"_uid":3376,"hide":29,"icon":3377,"link":3379,"type":23,"label":2751,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"9069228c-b61f-4f8b-a7f3-7327b46712f7",{"id":2739,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2740,"copyright":23,"fieldtype":142,"meta_data":3378,"is_external_url":29},{},{"id":2743,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2744,"prep":42,"story":3380},{"name":2746,"id":2747,"uuid":2743,"slug":2748,"url":2749,"full_slug":2750,"_stopResolving":42},{"tag":23,"_uid":3382,"icon":3383,"link":3385,"type":23,"label":2767,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"ee715f69-a1cc-4154-b8ba-f55ca358e584",{"id":2755,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2756,"copyright":23,"fieldtype":142,"meta_data":3384,"is_external_url":29},{},{"id":2759,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2760,"prep":42,"story":3386},{"name":2762,"id":2763,"uuid":2759,"slug":2764,"url":2765,"full_slug":2766,"_stopResolving":42},{"_uid":3388,"ctas":3389,"label":3440,"component":2768,"labelColor":23,"backgroundIconColor":23},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[3390,3396,3403,3409,3415,3421,3427,3433],{"tag":23,"_uid":3391,"hide":29,"icon":3392,"link":3394,"type":23,"label":2788,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"c9bdfffe-0a2e-45a2-bdf1-a3e5f4f2b389",{"id":2776,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2777,"copyright":23,"fieldtype":142,"meta_data":3393,"is_external_url":29},{},{"id":2780,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2781,"prep":42,"story":3395},{"name":2783,"id":2784,"uuid":2780,"slug":2785,"url":2786,"full_slug":2787,"_stopResolving":42},{"tag":23,"_uid":3397,"hide":29,"icon":3398,"link":3400,"type":23,"label":3402,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"b19cf668-817c-4adc-b839-8635ff2f977e",{"id":2792,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2793,"copyright":23,"fieldtype":142,"meta_data":3399,"is_external_url":29},{},{"id":2796,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2797,"prep":42,"story":3401},{"name":2799,"id":2800,"uuid":2796,"slug":2801,"url":2802,"full_slug":2803,"_stopResolving":42},"Intelligence & Automation",{"tag":23,"_uid":3404,"hide":29,"icon":3405,"link":3407,"type":23,"label":2820,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"49c8595b-725e-49b7-9375-09b3a5cecbbd",{"id":2808,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2809,"copyright":23,"fieldtype":142,"meta_data":3406,"is_private":29,"is_external_url":29},{},{"id":2812,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2813,"prep":42,"story":3408},{"name":2815,"id":2816,"uuid":2812,"slug":2817,"url":2818,"full_slug":2819,"_stopResolving":42},{"tag":23,"_uid":3410,"icon":3411,"link":3413,"type":23,"label":2836,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"977a634d-082c-4387-8112-d3cfc025cc21",{"id":2824,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2825,"copyright":23,"fieldtype":142,"meta_data":3412,"is_external_url":29},{},{"id":2828,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2829,"prep":42,"story":3414},{"name":2831,"id":2832,"uuid":2828,"slug":2833,"url":2834,"full_slug":2835,"_stopResolving":42},{"tag":23,"_uid":3416,"icon":3417,"link":3419,"type":23,"label":2847,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"75918215-79bd-4d1e-8d6a-0f934a37adaa",{"id":2840,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2841,"copyright":23,"fieldtype":142,"meta_data":3418,"is_external_url":29},{},{"id":2844,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2845,"prep":42,"story":3420},{"name":2847,"id":2848,"uuid":2844,"slug":2849,"url":2850,"full_slug":2851,"_stopResolving":42},{"tag":23,"_uid":3422,"hide":29,"icon":3423,"link":3425,"type":23,"label":2901,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3424},{},{"id":2894,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2895,"prep":42,"story":3426},{"name":2897,"id":2898,"uuid":2894,"slug":2899,"url":2899,"full_slug":2900,"_stopResolving":42},{"tag":23,"_uid":3428,"hide":29,"icon":3429,"link":3431,"type":23,"label":3229,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3430},{},{"id":3222,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3223,"prep":42,"story":3432},{"name":3225,"id":3226,"uuid":3222,"slug":3227,"url":3227,"full_slug":3228,"_stopResolving":42},{"tag":23,"_uid":3434,"hide":29,"icon":3435,"link":3437,"type":23,"label":3439,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3436},{},{"id":23,"url":3438,"linktype":145,"fieldtype":146,"cached_url":3438},"https://trust.spendesk.com/","Trust Center","Plattform",{"_uid":3442,"ctas":3443,"label":3302,"component":2768,"backgroundIconColor":23},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[3444,3450,3455,3468,3474,3481,3487,3493,3499,3505,3511,3517,3524],{"tag":23,"_uid":3445,"hide":29,"icon":3446,"link":3448,"type":23,"label":2914,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3447},{},{"id":2906,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2907,"prep":42,"story":3449},{"name":2909,"id":2910,"uuid":2906,"slug":2911,"url":2912,"full_slug":2913,"_stopResolving":42},{"tag":23,"_uid":3451,"icon":3452,"link":3453,"type":23,"label":2937,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142},{"id":2929,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2930,"prep":42,"story":3454},{"name":2932,"id":2933,"uuid":2929,"slug":2934,"url":2935,"full_slug":2936,"_stopResolving":42},{"tag":23,"_uid":3456,"icon":3457,"link":3458,"type":23,"label":3467,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"0c3791b7-d195-40e4-b4ef-3e23020f2fbd",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142},{"id":3459,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3460,"prep":42,"story":3461},"00374c17-63ac-466f-a8fc-8e1c49811e67","/de/blog/all-articles",{"name":3462,"id":3463,"uuid":3459,"slug":3464,"url":3465,"full_slug":3466,"_stopResolving":42},"All articles",238103281021871,"all-articles","blog/all-articles","de/blog/all-articles","Alle Artikel",{"tag":23,"_uid":3469,"hide":29,"icon":3470,"link":3472,"type":23,"label":2953,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"82afa5ce-ceec-4f5f-8fa9-3f3c3f2ffee6",{"id":2941,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2942,"copyright":23,"fieldtype":142,"meta_data":3471,"is_external_url":29},{},{"id":2945,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2946,"prep":42,"story":3473},{"name":2948,"id":2949,"uuid":2945,"slug":2950,"url":2951,"full_slug":2952,"_stopResolving":42},{"tag":23,"_uid":3475,"hide":29,"icon":3476,"link":3478,"type":23,"label":3480,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3477},{},{"id":2961,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2962,"prep":42,"story":3479},{"name":2964,"id":2965,"uuid":2961,"slug":2966,"url":2966,"full_slug":2967,"_stopResolving":42},"FAQs",{"tag":23,"_uid":3482,"hide":29,"icon":3483,"link":3485,"type":23,"label":2983,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3484},{},{"id":2975,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2976,"prep":42,"story":3486},{"name":2978,"id":2979,"uuid":2975,"slug":2980,"url":2981,"full_slug":2982,"_stopResolving":42},{"tag":23,"_uid":3488,"hide":29,"icon":3489,"link":3491,"type":23,"label":2997,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"c6d3959b-8fdc-4fe9-a7f3-52f49ecbe443",{"id":2792,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2793,"copyright":23,"fieldtype":142,"meta_data":3490,"is_external_url":29},{},{"id":2994,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2995,"prep":42,"story":3492},{"name":2997,"id":2998,"uuid":2994,"slug":2999,"url":2999,"full_slug":3000,"_stopResolving":42},{"tag":23,"_uid":3494,"hide":29,"icon":3495,"link":3497,"type":23,"label":3015,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3496},{},{"id":3008,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3009,"prep":42,"story":3498},{"name":3011,"id":3012,"uuid":3008,"slug":3013,"url":3013,"full_slug":3014,"_stopResolving":42},{"tag":23,"_uid":3500,"hide":29,"icon":3501,"link":3503,"type":23,"label":3046,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3502},{},{"id":3038,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3039,"prep":42,"story":3504},{"name":3041,"id":3042,"uuid":3038,"slug":3043,"url":3044,"full_slug":3045,"_stopResolving":42},{"tag":23,"_uid":3506,"hide":29,"icon":3507,"link":3509,"type":23,"label":3046,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"34303990-7e9e-493a-b31b-0dec6d2c9350",{"id":3034,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3035,"copyright":23,"fieldtype":142,"meta_data":3508,"is_external_url":29},{},{"id":3038,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3039,"prep":42,"story":3510},{"name":3041,"id":3042,"uuid":3038,"slug":3043,"url":3044,"full_slug":3045,"_stopResolving":42},{"tag":23,"_uid":3512,"icon":3513,"link":3515,"type":23,"label":3046,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"hide":42},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":2739,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2740,"copyright":23,"fieldtype":142,"meta_data":3514,"is_external_url":29},{},{"id":3052,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3053,"prep":42,"story":3516},{"name":3055,"id":3056,"uuid":3052,"slug":3055,"url":3057,"full_slug":3057,"_stopResolving":42},{"tag":23,"_uid":3518,"hide":29,"icon":3519,"link":3521,"type":23,"label":3523,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42,"horizontalFill":29},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3520},{},{"id":23,"url":3522,"linktype":145,"fieldtype":146,"cached_url":3522},"https://www.cfoconnect.eu/","CFO Connect",{"tag":23,"_uid":3525,"hide":29,"icon":3526,"link":3528,"type":23,"label":3530,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3527},{},{"id":23,"url":3529,"linktype":145,"fieldtype":146,"cached_url":3529},"https://helpcenter.spendesk.com/de","Hilfe",{"_uid":3532,"ctas":3533,"label":3094,"component":2768,"backgroundIconColor":23},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[3534,3540,3545,3551,3557],{"tag":23,"_uid":3535,"hide":29,"icon":3536,"link":3538,"type":23,"label":3111,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"3bbaa99b-a011-4bb0-b8a4-4155a0f67899",{"id":2824,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2825,"copyright":23,"fieldtype":142,"meta_data":3537,"is_private":29,"is_external_url":29},{},{"id":3104,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3105,"prep":42,"story":3539},{"name":3107,"id":3108,"uuid":3104,"slug":3109,"url":3109,"full_slug":3110,"_stopResolving":42},{"tag":23,"_uid":3541,"hide":29,"icon":3542,"link":3544,"type":23,"label":3120,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"fa32c6df-1ed1-4b6f-9521-f251c5d79dd4",{"id":3115,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3116,"copyright":23,"fieldtype":142,"meta_data":3543,"is_external_url":29},{},{"id":23,"url":3119,"linktype":145,"fieldtype":146,"cached_url":3119},{"tag":23,"_uid":3546,"hide":29,"icon":3547,"link":3549,"type":23,"label":3136,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"b6549fad-eb8f-4dba-a791-37ba72450943",{"id":3124,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3125,"copyright":23,"fieldtype":142,"meta_data":3548,"is_external_url":29},{},{"id":3128,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3129,"prep":42,"story":3550},{"name":3131,"id":3132,"uuid":3128,"slug":3133,"url":3134,"full_slug":3135,"_stopResolving":42},{"tag":23,"_uid":3552,"hide":29,"icon":3553,"link":3555,"type":23,"label":3155,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"6eed8aa0-be5f-4b19-b267-de46368f3dcd",{"id":3143,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3144,"copyright":23,"fieldtype":142,"meta_data":3554,"is_private":29,"is_external_url":29},{},{"id":3147,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3148,"prep":42,"story":3556},{"name":3150,"id":3151,"uuid":3147,"slug":3152,"url":3153,"full_slug":3154,"_stopResolving":42},{"tag":23,"_uid":3558,"hide":29,"icon":3559,"link":3561,"type":23,"label":3170,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"58e6df6a-1e1d-4c37-b4eb-6e8911fcc58e",{"id":3159,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3160,"copyright":23,"fieldtype":142,"meta_data":3560,"is_private":29,"is_external_url":29},{},{"id":3163,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3164,"prep":42,"story":3562},{"name":3166,"id":3167,"uuid":3163,"slug":3168,"url":3168,"full_slug":3169,"_stopResolving":42},"footer",[3565,3573],{"tag":23,"_uid":3566,"hide":29,"icon":3567,"link":3571,"type":23,"label":23,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"225df49b-7d21-46c3-986a-89b609d15540",{"id":3568,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3569,"copyright":23,"fieldtype":142,"meta_data":3570,"is_external_url":29},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":23,"url":3572,"linktype":145,"fieldtype":146,"cached_url":3572},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":23,"_uid":3574,"hide":29,"icon":3575,"link":3579,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":3576,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3577,"copyright":23,"fieldtype":142,"meta_data":3578,"is_external_url":29},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":23,"url":3580,"linktype":145,"fieldtype":146,"cached_url":3580},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[3582,3588,3601,3614,3627,3633],{"tag":23,"_uid":3583,"icon":3584,"link":3585,"type":23,"label":3587,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":3275,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3276,"prep":42,"story":3586},{"name":3278,"id":3279,"uuid":3275,"slug":3280,"url":3280,"full_slug":3281,"_stopResolving":42},"© Spendesk",{"tag":23,"_uid":3589,"icon":3590,"link":3591,"type":23,"label":3600,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":3592,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3593,"prep":42,"story":3594},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","/de/legals/terms",{"name":3595,"id":3596,"uuid":3592,"slug":3597,"url":3598,"full_slug":3599,"_stopResolving":42},"T&C index page",126275944,"terms","legals/terms/","de/legals/terms/","Nutzungsbedingungen",{"tag":23,"_uid":3602,"icon":3603,"link":3604,"type":23,"label":3613,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":3605,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3606,"prep":42,"story":3607},"79cf9763-fbf7-44fc-b713-7375d45cc602","/de/legals/privacy",{"name":3608,"id":3609,"uuid":3605,"slug":3610,"url":3611,"full_slug":3612,"_stopResolving":42},"Privacy Policy",126276104,"privacy","legals/privacy","de/legals/privacy","Datenschutzerklärung",{"tag":23,"_uid":3615,"icon":3616,"link":3617,"type":23,"label":3626,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":3618,"url":23,"linktype":1330,"fieldtype":146,"cached_url":3619,"prep":42,"story":3620},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","/de/legals/cookies-policy",{"name":3621,"id":3622,"uuid":3618,"slug":3623,"url":3624,"full_slug":3625,"_stopResolving":42},"Cookies Policy",156606099,"cookies-policy","legals/cookies-policy","de/legals/cookies-policy","Cookie-Richtlinie",{"tag":23,"_uid":3628,"icon":3629,"link":3630,"type":23,"label":3632,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":23,"url":3631,"linktype":145,"fieldtype":146,"cached_url":3631},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Impressum",{"tag":23,"_uid":3634,"hide":29,"icon":3635,"link":3636,"type":23,"label":3638,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":23,"url":3637,"linktype":145,"fieldtype":146,"cached_url":3637},"openConsentManager.action","Cookie-Einstellungen",[3640,3645,3650,3655,3660],{"tag":23,"_uid":3641,"icon":3642,"link":3644,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":3234,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3235,"copyright":23,"fieldtype":142,"meta_data":3643,"is_external_url":29},{},{"id":23,"url":3238,"linktype":145,"fieldtype":146,"cached_url":3238},{"tag":23,"_uid":3646,"icon":3647,"link":3649,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":3242,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3243,"copyright":23,"fieldtype":142,"meta_data":3648,"is_private":29,"is_external_url":29},{},{"id":23,"url":3246,"linktype":145,"fieldtype":146,"cached_url":3246},{"tag":23,"_uid":3651,"icon":3652,"link":3654,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":3250,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3251,"copyright":23,"fieldtype":142,"meta_data":3653,"is_private":29,"is_external_url":29},{},{"id":23,"url":144,"linktype":145,"fieldtype":146,"cached_url":144},{"tag":23,"_uid":3656,"icon":3657,"link":3659,"type":23,"label":23,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":3257,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3258,"copyright":23,"fieldtype":142,"meta_data":3658,"is_private":29,"is_external_url":29},{},{"id":23,"url":3261,"linktype":145,"fieldtype":146,"cached_url":3261},{"tag":23,"_uid":3661,"hide":29,"icon":3662,"link":3664,"type":23,"label":23,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":42,"horizontalFill":29},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":3265,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3266,"copyright":23,"fieldtype":142,"meta_data":3663,"is_private":29,"is_external_url":29},{},{"id":23,"url":3269,"linktype":145,"fieldtype":146,"cached_url":3269},[3666],{"_uid":3667,"fields":3668,"component":3698,"submitUrl":3699,"hubspotFormId":3700,"successMessage":3701,"horizontalAlign":23,"onSubmitSegmentEvent":3702},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[3669],{"_uid":3670,"name":3671,"type":163,"label":3672,"required":42,"component":3673,"submitBtn":3674,"legalNotice":3675,"placeholder":23,"validateEmail":42,"blockPersonalEmailAddresses":29},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","E-Mail Adresse","textField","Abonnieren",{"type":154,"content":3676},[3677],{"type":157,"content":3678},[3679,3681,3687,3689,3696],{"text":3680,"type":163},"Mit dem Absenden dieses Formulars erklären Sie sich damit einverstanden, von Spendesk kontaktiert zu werden - in Übereinstimmung mit den ",{"text":3600,"type":163,"marks":3682},[3683],{"type":748,"attrs":3684},{"href":3593,"uuid":3592,"anchor":26,"custom":3685,"target":751,"linktype":1330,"story":3686},{},{"name":3595,"id":3596,"uuid":3592,"slug":3597,"url":3598,"full_slug":3599,"_stopResolving":42},{"text":3688,"type":163}," und der ",{"text":3690,"type":163,"marks":3691},"Datenschutzrichtlinie",[3692],{"type":748,"attrs":3693},{"href":3606,"uuid":3605,"anchor":26,"custom":3694,"target":751,"linktype":1330,"story":3695},{},{"name":3608,"id":3609,"uuid":3605,"slug":3610,"url":3611,"full_slug":3612,"_stopResolving":42},{"text":3697,"type":163}," von Spendesk.","formGroup",{"id":23,"url":23,"linktype":1330,"fieldtype":146,"cached_url":1331,"prep":42},"8b1b128b-c02a-41d9-a512-63e778c062c6","Erledigt!","website:footer:blog_newsletter:form_completed",[3704],{"tag":23,"_uid":3705,"hide":29,"icon":3706,"link":3710,"type":23,"label":23,"style":147,"component":148,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":3707,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3708,"copyright":23,"fieldtype":142,"meta_data":3709,"is_external_url":29},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":23,"url":3711,"linktype":145,"fieldtype":146,"cached_url":3711},"https://helpcenter.spendesk.com/de/articles/8850615-fruher-heute-was-hat-sich-bezuglich-spendesk-und-ihrer-visa-business-premium-karten-geandert","Kein Update verpassen",{"type":154,"content":3714},[3715],{"type":157,"content":3716},[3717],{"text":3718,"type":163},"Stärken Sie Ihr Team mit der umfassenden Ausgabenmanagementlösung","Melden Sie sich an, um die neuesten Informationen von Spendesk zu erhalten.",{"type":154,"content":3721},[3722,3730,3737],{"type":157,"content":3723},[3724],{"text":3725,"type":163,"marks":3726},"Die Zahlungsdienste werden im Rahmen des Spendesk-Produkts von Spendesk Financial Services im Europäischen Wirtschaftsraum (EWR), von Adyen im Vereinigten Königreich und von der Sutton Bank in den Vereinigten Staaten angeboten.",[3727],{"type":217,"attrs":3728},{"color":3729},"rgb(0, 0, 0)",{"type":157,"content":3731},[3732],{"text":3733,"type":163,"marks":3734},"Spendesk Financial Services ist ein französisches Zahlungsinstitut, das von der ACPR unter der Nummer 17518 zugelassen ist. Adyen N.V. ist eine niederländische Bank, deren Zweigstelle im Vereinigten Königreich von der FCA unter der Nummer 779800 für die Erbringung von Zahlungsdiensten zugelassen ist. Die Sutton Bank ist ein FDIC-versichertes Mitgliedsinstitut.",[3735],{"type":217,"attrs":3736},{"color":3729},{"type":157,"content":3738},[3739],{"text":3740,"type":163,"marks":3741},"Visa-Debitkarten werden im EWR von Spendesk Financial Services, im Vereinigten Königreich von Adyen und in den Vereinigten Staaten von der Sutton Bank unter einer Lizenz von Visa ausgegeben.",[3742],{"type":217,"attrs":3743},{"color":3729},"de/global-components/footer",-10,[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],"global-components/footer",[3752,3753,3754],{"path":3750,"name":26,"lang":38,"published":26},{"path":3750,"name":26,"lang":33,"published":26},{"path":3750,"name":26,"lang":41,"published":26},{"name":3756,"created_at":3757,"published_at":3758,"updated_at":3759,"id":3760,"uuid":3761,"content":3762,"slug":3921,"full_slug":3922,"sort_by_date":26,"position":3923,"tag_list":3924,"is_startpage":29,"parent_id":3333,"meta_data":26,"group_id":3925,"first_published_at":3926,"release_id":26,"lang":33,"path":26,"alternates":3927,"default_full_slug":3928,"translated_slugs":3929},"Common Content","2022-06-07T08:36:57.529Z","2026-10-22T14:55:39.232Z","2026-10-22T14:55:39.250Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":3763,"modalBtn":3764,"component":3765,"modalTitle":3766,"countdownDay":3767,"modalContent":3768,"modalSuccess":3780,"countdownHour":3781,"hubspotFormId":3782,"countdownLabel":3783,"formErrorTitle":3784,"countdownMinute":3785,"countdownSecond":3786,"eventsLiveLabel":3787,"eventsViewLabel":3788,"formErrorButton":3789,"selectNoOptions":3790,"eventsWatchLabel":3791,"copyPromptLibrary":3792,"eventsReplayLabel":3793,"formErrorSubtitle":3794,"eventsResultsLabel":3795,"blogAuthorResources":3796,"byRolePromptLibrary":3797,"copiedPromptLibrary":3798,"eventsAllTypesLabel":3799,"eventsJoinNextLabel":3800,"eventsLoadMoreLabel":3801,"eventsRegisterLabel":3172,"selectedPricingPage":3802,"yourPlanPricingPage":3803,"byTopicPromptLibrary":3804,"eventsAllTopicsLabel":3805,"allRolesPromptLibrary":3806,"eventsTypeFilterLabel":3807,"modalEmailPlaceholder":3808,"allTopicsPromptLibrary":3805,"emailValidationInvalid":3809,"eventsTopicFilterLabel":3810,"imageItemsListNoResult":3811,"noResultsPromptLibrary":3812,"phoneValidationInvalid":3813,"blogLoadMoreButtonLabel":3814,"eventsReplayPosterLabel":3815,"itemsFoundPromptLibrary":3816,"blogArticleUpdatedAtLabel":3817,"blogArticleWatchTimeLabel":3818,"clearFiltersPromptLibrary":3819,"modalExistingAccountTitle":3820,"modalExistingCompanyTitle":3821,"modalForExistingCustomers":3822,"organizationSchemaOffices":3829,"blogArticleListenTimeLabel":3818,"cardsGridSearchPlaceholder":3881,"blogArticlePublishedOnLabel":3882,"blogArticleReadingTimeLabel":3818,"emailValidationInvalidExist":3883,"modalForUnsupportedCountries":3884,"emailValidationInvalidInvited":3890,"organizationSchemaDescription":3891,"organizationSchemaContactEmail":3892,"modalExistingAccountDescription":3893,"modalExistingCompanyDescription":3909,"emailValidationInvalidDomainName":3915,"multiSelectDropdownSelectedLabel":3916,"softwareApplicationSchemaRatingCount":3917,"softwareApplicationSchemaRatingValue":3918,"emailValidationInvalidUnexpectedError":3919,"emailValidationInvalidCompanyRegistered":3920},"c86a540c-0da7-40e9-a9a5-5053e71081de","Bestätigen","commonContent","Spendesk ist in Ihrem Land noch nicht verfügbar","Taggen",{"type":154,"content":3769},[3770,3775],{"type":157,"attrs":3771,"content":3772},{"textAlign":26},[3773],{"text":3774,"type":163},"Anscheinend befinden Sie sich in einem Land, in dem Spendesk aktuell nicht verfügbar ist. Wenn Sie jedoch ein Unternehmen im Europäischen Wirtschaftsraum oder im Vereinigten Königreich haben, können wir mit Ihnen zusammenarbeiten und Sie können eine Demo buchen.",{"type":157,"attrs":3776,"content":3777},{"textAlign":26},[3778],{"text":3779,"type":163},"Ansonsten hinterlassen Sie uns Ihre E-Mail-Adresse und wir halten Sie auf dem Laufenden, wenn wir Ihnen in Ihrem Land weiterhelfen können.","Vielen Dank für das Ausfüllen des Formulars","Stunden","b095740c-b878-41dd-9a7b-f393d2e4de30","Veranstaltung beginnt in","Oh, da ist etwas schiefgelaufen…","Minuten","Sekunden","Demnächst","Zum Event","Erneut versuchen","Keine Optionen hier!","Aufzeichnung ansehen","Prompt kopieren","Aufzeichnung","Beim Ausfüllen des Formulars ist ein Fehler aufgetreten. Vergewissern Sie sich, dass in Ihrem Browser kein Adblock aktiviert ist und versuchen Sie es erneut.","{count} Events","{firstName}s Artikel","Nach Rolle","Kopiert!","Alle","Beim nächsten dabei sein","Mehr laden","ausgewählt","Ihr Plan","Nach Thema","Alle Themen","Alle Rollen","Nach Typ filtern","E-Mail-Adresse (geschäftlich)","Ungültige E-Mail Adresse","Nach Thema filtern","Keine Ergebnisse","Keine Prompts entsprechen diesen Filtern. Versuche, die Filter zurückzusetzen.","Ungültige Telefonnummer","Mehr lesen","Die vollständige Aufzeichnung ansehen","Gefunden","Aktualisiert am","min","Filter zurücksetzen","Sie haben bereits ein Spendesk Konto","Ihr Unternehmen hat bereits ein Spendesk Konto",{"type":154,"content":3823},[3824,3828],{"type":157,"content":3825},[3826],{"text":3827,"type":163},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":157},[3830,3845,3857,3869],{"cta":3831,"_uid":3837,"image":3838,"title":3842,"subtitle":3843,"component":3844},[3832],{"tag":23,"_uid":3833,"icon":3834,"link":3835,"type":23,"label":685,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":23,"url":3836,"linktype":145,"fieldtype":146,"cached_url":3836},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":3839,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3840,"copyright":23,"fieldtype":142,"meta_data":3841,"is_external_url":29},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, Frankreich","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":3846,"_uid":3852,"image":3853,"title":3855,"subtitle":3856,"component":3844},[3847],{"tag":23,"_uid":3848,"icon":3849,"link":3850,"type":23,"label":685,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":23,"url":3851,"linktype":145,"fieldtype":146,"cached_url":3851},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":3839,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3840,"copyright":23,"fieldtype":142,"meta_data":3854,"is_external_url":29},{},"London, Großbritannien","168 Old Street, EC1V 9BP",{"cta":3858,"_uid":3864,"image":3865,"title":3867,"subtitle":3868,"component":3844},[3859],{"tag":23,"_uid":3860,"icon":3861,"link":3862,"type":23,"label":685,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":23,"url":3863,"linktype":145,"fieldtype":146,"cached_url":3863},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":3839,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3840,"copyright":23,"fieldtype":142,"meta_data":3866,"is_external_url":29},{},"Berlin, Deutschland","Warschauer Pl. 11-13, 10245",{"cta":3870,"_uid":3876,"image":3877,"title":3879,"subtitle":3880,"component":3844},[3871],{"tag":23,"_uid":3872,"icon":3873,"link":3874,"type":23,"label":685,"style":147,"component":148,"onClickEvent":23,"openInANewTab":42},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":23,"url":3875,"linktype":145,"fieldtype":146,"cached_url":3875},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":3839,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3840,"copyright":23,"fieldtype":142,"meta_data":3878,"is_external_url":29},{},"Madrid, Spanien","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Hier eingeben","Veröffentlicht am","Es sieht so aus, als hätten Sie bereits ein Spendesk-Konto. Bitte loggen Sie sich ein.",{"type":154,"content":3885},[3886],{"type":157,"content":3887},[3888],{"text":3889,"type":163},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","Es sieht so aus, als wären Sie bereits zu Spendesk eingeladen worden. Bitte überprüfen Sie Ihre E-Mails oder bitten Sie Ihren Administrator, die Einladung erneut zu senden.","Spendesk ist eine All-in-One-Plattform für Ausgabenmanagement und Beschaffung, die Unternehmen dabei hilft, Firmenkarten, Rechnungszahlungen, Abonnements und Unternehmensausgaben in Echtzeit zu verwalten.","support@spendesk.com",{"type":154,"content":3894},[3895,3899],{"type":157,"content":3896},[3897],{"text":3898,"type":163},"Es ist bereits ein Spendesk Konto mit dieser E-Mail-Adresse verbunden. Klicken Sie auf diesen Link, um sich einzuloggen.",{"type":285,"attrs":3900},{"id":3901,"body":3902},"2b03f647-6bcb-433a-bc5d-c65c6e5189fe",[3903],{"tag":23,"_uid":3904,"icon":3905,"link":3906,"type":3908,"label":3172,"style":147,"component":148,"onClickEvent":23,"openInANewTab":29,"horizontalFill":42},"i-59271b69-872b-4487-a657-e9cd13c67981",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":23,"copyright":26,"fieldtype":142},{"id":23,"url":3907,"linktype":145,"fieldtype":146,"cached_url":3907},"https://app.spendesk.com/auth/login","btn",{"type":154,"content":3910},[3911],{"type":157,"content":3912},[3913],{"text":3914,"type":163},"Anscheinend hat Ihr Unternehmen bereits ein Spendesk Konto. Bitte wenden Sie sich an den Kontoinhaber, um Zugang zu erhalten.","Dies sieht aus wie Ihre persönliche E-Mail. Bitte geben Sie Ihre geschäftliche E-Mail-Adresse ein.","selected","412","4.6","Leider ist ein unerwarteter Fehler aufgetreten. Bitte versuchen Sie es später erneut oder wenden Sie sich an den Support, um Hilfe zu erhalten.","Dieses Unternehmen ist bereits registriert. Bitte kontaktieren Sie Ihren Administrator.","commoncontent","de/global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],"global-components/commoncontent",[3930,3931,3932],{"path":3928,"name":26,"lang":38,"published":26},{"path":3928,"name":26,"lang":33,"published":26},{"path":3928,"name":26,"lang":41,"published":26},[3934,3938,3942,3946,3950,3954,3958,3962,3966],{"id":3935,"name":3936,"value":3937,"dimension_value":26},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":3939,"name":3940,"value":3941,"dimension_value":26},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":3943,"name":3944,"value":3945,"dimension_value":26},10736155,"Intercom","ryDQcVoOoZQ",{"id":3947,"name":3948,"value":3949,"dimension_value":26},10736156,"HubSpot","ry0QcNodoWQ",{"id":3951,"name":3952,"value":3953,"dimension_value":26},10736157,"Facebook Pixel","ko1w5PpFl",{"id":3955,"name":3956,"value":3957,"dimension_value":26},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":3959,"name":3960,"value":3961,"dimension_value":26},10736765,"Bing Ads","dsS7z9Hv4",{"id":3963,"name":3964,"value":3965,"dimension_value":26},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":3967,"name":3968,"value":3969,"dimension_value":26},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":3971,"component":3972,"sidebarCta":3973,"leadwallForm":4011,"leadwallTitle":4012,"exitModalPopup":4013,"newsletterForm":4014,"newsletterTitle":4041,"bottomArticleCta":4042,"leadwallSubtitle":4073,"moreArticlesLabel":4074,"breadcrumbBlogLink":4075,"newsletterSubtitle":4077,"breadcrumbBlogLabel":2937,"breadcrumbArticleLabel":2478,"leadwallSuccessMessage":23,"hiddenNewsletterOnTopics":4078,"componentsAfterTheArticle":4081,"moreArticlesLabelFallback":4223,"sidebarTableOfContentsLabel":4224},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[3974],{"cta":3975,"_uid":3983,"image":3984,"title":3988,"subtitle":4010,"component":2555},[3976],{"tag":23,"_uid":3977,"hide":29,"icon":3978,"link":3980,"type":23,"label":2534,"style":147,"component":148,"mobileLabel":23,"onClickEvent":3982,"openInANewTab":29,"horizontalFill":29},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":3979},{},{"id":2526,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2527,"prep":42,"story":3981},{"name":2529,"id":2530,"uuid":2526,"slug":2531,"url":2532,"full_slug":2533,"_stopResolving":42},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":3985,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3986,"copyright":23,"fieldtype":142,"meta_data":3987,"is_external_url":29},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":154,"content":3989},[3990],{"type":157,"attrs":3991,"content":3992},{"textAlign":26,"key":159},[3993,4001,4003],{"text":3994,"type":163,"marks":3995},"Smarter ausgeben. ",[3996,3998],{"type":217,"attrs":3997},{"color":219},{"type":2551,"attrs":3999},{"class":4000},"patron-heading-2 accentuation-01",{"type":4002},"hard_break",{"text":4004,"type":163,"marks":4005},"Effizienter arbeiten.",[4006,4008],{"type":217,"attrs":4007},{"color":219},{"type":2551,"attrs":4009},{"class":4000},"Bringen Sie Karten, Rechnungen und Ausgaben in einen einzigen, kontrollierten Effizienter – für Echtzeit-Transparenz und einen schnelleren Monatsabschluss.",[],"Want to continue reading?",[],[4015],{"_uid":4016,"fields":4017,"component":3698,"submitUrl":4039,"hubspotFormId":3700,"successMessage":3701,"horizontalAlign":23,"onSubmitSegmentEvent":4040},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[4018],{"_uid":4019,"name":3671,"type":163,"label":3672,"required":42,"component":3673,"submitBtn":3674,"legalNotice":4020,"placeholder":23,"validateEmail":42,"blockPersonalEmailAddresses":29},"cc924123-e126-4829-a72a-43fcf863a045",{"type":154,"content":4021},[4022],{"type":157,"content":4023},[4024,4025,4031,4032,4038],{"text":3680,"type":163},{"text":3600,"type":163,"marks":4026},[4027],{"type":748,"attrs":4028},{"href":3593,"uuid":3592,"anchor":26,"custom":4029,"target":751,"linktype":1330,"story":4030},{},{"name":3595,"id":3596,"uuid":3592,"slug":3597,"url":3598,"full_slug":3599,"_stopResolving":42},{"text":3688,"type":163},{"text":3690,"type":163,"marks":4033},[4034],{"type":748,"attrs":4035},{"href":3606,"uuid":3605,"anchor":26,"custom":4036,"target":751,"linktype":1330,"story":4037},{},{"name":3608,"id":3609,"uuid":3605,"slug":3610,"url":3611,"full_slug":3612,"_stopResolving":42},{"text":3697,"type":163},{"id":23,"url":23,"linktype":1330,"fieldtype":146,"cached_url":1331,"prep":42},"website:article:blog_newsletter:form_completed","Genießen Sie, was Sie lesen?",[4043],{"cta":4044,"_uid":4059,"image":4060,"title":4062,"subtitle":4072,"component":2555},[4045],{"tag":23,"_uid":4046,"hide":29,"icon":4047,"link":4049,"type":23,"label":4057,"style":147,"component":148,"mobileLabel":23,"onClickEvent":4058,"openInANewTab":29,"horizontalFill":29},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":142,"meta_data":4048},{},{"id":4050,"url":23,"linktype":1330,"fieldtype":146,"cached_url":4051,"prep":42,"story":4052},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/de/platform-tour",{"name":4053,"id":4054,"uuid":4050,"slug":4055,"url":4055,"full_slug":4056,"_stopResolving":42},"Platform tour",413550505,"platform-tour","de/platform-tour","Kostenlose Tour starten","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":142,"meta_data":4061,"is_external_url":29},{},{"type":154,"content":4063},[4064],{"type":157,"attrs":4065,"content":4066},{"textAlign":26},[4067],{"text":4068,"type":163,"marks":4069},"Neugierig, wie Spendesk funktioniert?",[4070],{"type":2551,"attrs":4071},{"class":2553},"Testen Sie eine interaktive Demo und erleben Sie Ausgabenkontrolle und Freigaben von Anfang bis Ende.","Sign up to our newsletter to keep reading","Weitere Artikel zum Thema",{"id":2929,"url":23,"linktype":1330,"fieldtype":146,"cached_url":2930,"prep":42,"story":4076},{"name":2932,"id":2933,"uuid":2929,"slug":2934,"url":2935,"full_slug":2936,"_stopResolving":42},"Wir veröffentlichen jede Woche neue Artikel wie diesen. Abonnieren Sie unseren Newsletter, um informiert zu bleiben.",[4079,4080],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[4082],{"cta":4083,"_uid":4084,"items":4085,"heading":4201,"reverse":29,"component":2652,"sectionSettings":4222},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[4086,4148],{"_uid":4087,"title":4088,"component":2564,"description":4089},"dfc0accd-ab64-464a-8597-b76754748f04","Was ist Ausgabenmanagement?",{"type":154,"content":4090},[4091,4095],{"type":157,"content":4092},[4093],{"text":4094,"type":163},"Geschäftsausgaben umfassen verschiedene Arten von Ausgaben:",{"type":4096,"attrs":4097,"content":4099},"ordered_list",{"order":4098},{"order":325},[4100,4111,4122],{"type":242,"content":4101},[4102],{"type":157,"content":4103},[4104,4108,4110],{"text":4105,"type":163,"marks":4106},"Strategische Ausgaben",[4107],{"type":337},{"text":4109,"type":163}," werden in der Regel zentralisiert und liegen in der Hand von Führungskräften. Sie werden über Rechnungen, Überweisungen und Bestellungen verwaltet.",{"type":4002},{"type":242,"content":4112},[4113],{"type":157,"content":4114},[4115,4119,4121],{"text":4116,"type":163,"marks":4117},"Operative Ausgaben",[4118],{"type":337},{"text":4120,"type":163}," werden ebenfalls zentralisiert, aber diese Ausgaben werden von Führungskräften und Beschäftigten im (beruflichen) Alltag getätigt. Dazu zählen u.a. Kartenzahlungen, monatliche Abos für Softwarelösungen, Ausgaben für Bürobedarf und Geschäftsreisen für Meetings oder Messen.",{"type":4002},{"type":242,"content":4123},[4124],{"type":157,"content":4125},[4126,4130,4132,4133,4134,4138,4140,4141,4142,4144,4145,4146],{"text":4127,"type":163,"marks":4128},"Spesen & kleinere Aufwendungen",[4129],{"type":337},{"text":4131,"type":163},": Im Gegensatz zu strategischen Ausgaben handelt es sich in dieser zweiten Kategorie um eine beträchtliche Menge an kleinen Einkäufen, die oft schwer nachzuvollziehen sind. Dazu gehören diverse Kartenzahlungen, Spesenabrechnungen und Reisekosten.",{"type":4002},{"type":4002},{"text":4135,"type":163,"marks":4136},"Ausgabenmanagement beschreibt den Prozess, mit dem Unternehmen ihre Geschäftsausgaben verwalten",[4137],{"type":337},{"text":4139,"type":163},". Es berücksichtigt den gesamten End-to-End-Prozess, d.h. das Einholen einer Genehmigung durch die Mitarbeitenden, die Bereitstellung eines Zahlungsmittels, das Einreichen und Bearbeiten von Rechnungen, das Einreichen und die Rückerstattung von Spesenabrechnungen, sowie den Abgleich von Quittungen und Rechnungen zur Zuweisung der richtigen Kostenstellen, Sachkonten und Mehrwertsteuersätze durch die Buchhaltung.",{"type":4002},{"type":4002},{"text":4143,"type":163},"Tools zur Ausgabenverwaltung werden notwendig, wenn die Zahl der Beschäftigten steigt und der Bedarf an klaren Prozessen, Übersicht und Kontrolle für die Finanzteams wächst.",{"type":4002},{"type":4002},{"text":4147,"type":163},"Die Beschäftigten brauchen flexible, benutzerfreundliche Lösungen, um Ausgaben zu tätigen. So verlieren sie keine wertvolle Zeit und können sich auf wichtigere Tätigkeiten konzentrieren.",{"_uid":4149,"title":4150,"component":2564,"description":4151},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Wie funktioniert Spendesk?",{"type":154,"content":4152},[4153],{"type":157,"content":4154},[4155,4157,4158,4159,4163,4164,4166,4167,4168,4170,4171,4172,4176,4177,4179,4180,4181,4183,4184,4185,4187,4191,4193,4194,4195,4197,4198,4199],{"text":4156,"type":163},"Spendesk bietet modernen Unternehmen die passenden Zahlungsmethoden und eine leistungsstarke Plattform zur Verwaltung von Ausgaben. Dazu gehören Debitkarten als Ersatz für altmodische Firmenkreditkarten, virtuelle Karten für Online-Zahlungen und automatisierte Spesenabrechnungen.",{"type":4002},{"type":4002},{"text":4160,"type":163,"marks":4161},"Für Beschäftigte",[4162],{"type":337},{"type":4002},{"text":4165,"type":163},"Die Teammitglieder müssen Ausgaben nicht mehr aus eigener Tasche vorstrecken. Stattdessen fragen Sie einen Betrag für einen bestimmten Kauf an und können die Zahlung mit ihrer (physischen) Spendesk-Karte oder einer virtuellen Karte durchführen.",{"type":4002},{"type":4002},{"text":4169,"type":163},"Wenn die Beschäftigten aus irgendeinem Grund ihre Spendesk-Karte nicht verwenden können, machen sie über die mobile Spendesk-App ein Foto der Quittung und erstellen direkt unterwegs eine digitale Spesenabrechnung. Diese wird zur Validierung direkt an die Führungskraft, und dann weiter an das Finanzteam geschickt.",{"type":4002},{"type":4002},{"text":4173,"type":163,"marks":4174},"Für Finanzteams",[4175],{"type":337},{"type":4002},{"text":4178,"type":163},"Alle Beschäftigten haben ihr eigenes Spendesk-Profil und eine eigene Spesenkarte, die mit einem bestimmten Betrag aufgeladen wird. Im Gegensatz zur Firmenkreditkarte wissen Sie also immer, wer gerade wo Firmengelder ausgibt.",{"type":4002},{"type":4002},{"text":4182,"type":163},"Über die Plattform können Controller:innen Ausgabenlimits und Vorab-Freigaben für die Mitarbeitende festlegen. C-Level-Führungskräfte oder Manager:innen können dabei ein anderes Niveau an vorab genehmigten Ausgaben haben als die restlichen Beschäftigten. Wenn ein Teammitglied sein vorab freigegebenes Budget überschreiten möchte, kann über die mobile App oder die Plattform online eine Anfrage an die entsprechende Führungskraft gestellt werden.",{"type":4002},{"type":4002},{"text":4186,"type":163},"Wenn eine Ausgabe mit einer Spendesk-Karte getätigt wird, macht der/die Mitarbeitende beim Kauf einfach ",{"text":4188,"type":163,"marks":4189},"ein Foto von der Quittung",[4190],{"type":337},{"text":4192,"type":163},". So gehen keine Belege mehr verloren.",{"type":4002},{"type":4002},{"text":4196,"type":163},"Finanzteams können die Ausgaben des Unternehmens in Echtzeit einsehen und fehlende Quittungen oder Rechnungen nachverfolgen, indem sie über die Plattform Erinnerungen an die Beschäftigten senden.",{"type":4002},{"type":4002},{"text":4200,"type":163},"Auch die Überprüfung von Ausgaben ist einfacher, da Ausgaben gruppiert werden können. Das Finanzteam kann vor dem Export in die Buchhaltungssoftware außerdem direkt in Spendesk die richtigen Mehrwertsteuersätze und Sachkonten zuweisen. Spendesk macht das Ausgabenmanagement intuitiv einfach und effizient.",[4202],{"cta":4203,"_uid":4204,"title":4205,"eyebrow":4212,"subtitle":4215,"component":298,"textAlign":23,"sectionSettings":4221,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":154,"content":4206},[4207],{"type":298,"attrs":4208,"content":4209},{"level":300},[4210],{"text":4211,"type":163},"Nutzen Sie Spendesk",{"type":154,"content":4213},[4214],{"type":157},{"type":154,"content":4216},[4217],{"type":157,"content":4218},[4219],{"text":4220,"type":163},"Schließen Sie Ihre Buchhaltung 4x schneller ab, sammeln Sie über 95 % der Belege pünktlich und erhalten Sie 100 % Transparenz über die Unternehmensausgaben.",[],[],"Weitere Artikel","Inhaltsverzeichnis",["Island",4226],{"key":4227,"result":4228},"MarkdownRenderer_EhKe0kaTaPfZiJ54aMhVAjneNuwBrxZFbIrMWmGo4c",{"head":4229},{"link":4230,"style":4231},[],[],["Island",4233],{"key":4234,"result":4235},"MarkdownRenderer_0rTBDq4v20QMDmLypuaRxhhbFeRSXaeg7FUKfHvvQ8",{"head":4236},{"link":4237,"style":4238},[],[],[4240,4418,4605,4734],{"name":4241,"created_at":4242,"published_at":4243,"updated_at":4244,"id":4245,"uuid":4246,"content":4247,"slug":4406,"full_slug":4407,"sort_by_date":26,"position":4408,"tag_list":4409,"is_startpage":29,"parent_id":2658,"meta_data":26,"group_id":4410,"first_published_at":4411,"release_id":26,"lang":33,"path":26,"alternates":4412,"default_full_slug":4413,"translated_slugs":4414},"Virtuelle Einmalkarte: Sichere Onlinezahlungen für Unternehmen","2026-08-22T07:19:52.918Z","2026-09-25T11:59:49.150Z","2026-09-25T11:59:49.184Z",211736956622449,"93cff5be-fa2a-418e-8126-2c554bf59a33",{"_uid":4248,"title":4241,"topics":4249,"noIndex":29,"category":4258,"language":4267,"component":2490,"heroMedia":4268,"publishedAt":4269,"redirectUrl":23,"listingImage":4270,"metaDescription":4280,"bottomArticleCta":4281,"componentsAfterTheArticle":4282},"6ab7a872-8599-4669-9416-09f42997e1da",[4250],{"name":179,"created_at":180,"published_at":181,"updated_at":182,"id":183,"uuid":184,"content":4251,"slug":194,"full_slug":195,"sort_by_date":26,"position":196,"tag_list":4252,"is_startpage":29,"parent_id":198,"meta_data":26,"group_id":199,"first_published_at":200,"release_id":26,"lang":33,"path":26,"alternates":4253,"default_full_slug":202,"translated_slugs":4254,"_stopResolving":42},{"_uid":192,"name":193,"component":22},[],[],[4255,4256,4257],{"path":202,"name":26,"lang":38,"published":26},{"path":202,"name":26,"lang":33,"published":42},{"path":202,"name":26,"lang":41,"published":26},{"name":2478,"created_at":2479,"published_at":16,"updated_at":2480,"id":2481,"uuid":2482,"content":4259,"slug":2490,"full_slug":2491,"sort_by_date":26,"position":71,"tag_list":4261,"is_startpage":29,"parent_id":2493,"meta_data":26,"group_id":2494,"first_published_at":2495,"release_id":26,"lang":33,"path":26,"alternates":4262,"default_full_slug":2497,"translated_slugs":4263,"_stopResolving":42},{"_uid":2484,"icon":4260,"name":2478,"component":2489},{"id":2486,"alt":2487,"name":23,"focus":23,"title":23,"filename":2488,"copyright":23,"fieldtype":142,"is_external_url":29},[],[],[4264,4265,4266],{"path":2497,"name":26,"lang":38,"published":26},{"path":2497,"name":26,"lang":33,"published":26},{"path":2497,"name":26,"lang":41,"published":26},[33],[],"2026-08-24 00:00",[4271],{"_uid":4272,"asset":4273,"caption":23,"component":1339},"f33268e6-026b-4f0b-8002-15b8f0a0e343",{"id":4274,"alt":4275,"name":23,"focus":23,"title":4276,"source":23,"filename":4277,"copyright":120,"fieldtype":142,"meta_data":4278,"is_external_url":29},212502123177017,"Indigoblaue Gravur einer virtuellen Einmalkarte an einem Zahlungsterminal als Symbol für begrenzte, kontrollierte und sichere Onlinezahlungen.","Virtuelle Einmalkarte für sichere Onlinezahlungen","https://a.storyblok.com/f/146026/2528x1696/61596eea22/virtuelle-einmalkarten-titelbild.jpg",{"alt":4275,"size":4279,"title":4276,"source":23,"copyright":120},"2528x1696","Virtuelle Einmalkarten sichern einmalige Lieferantenzahlungen und Onlinekäufe. Erfahren Sie, wie Freigaben, Limits und Belegzuordnung funktionieren.",[],[4283],{"cta":4284,"_uid":4285,"items":4286,"heading":4385,"reverse":29,"component":2652,"sectionSettings":4405},[],"32c261dc-b2f4-40e5-ab84-ef692a6e2964",[4287,4301,4315,4329,4343,4357,4371],{"_uid":4288,"hide":29,"title":4289,"component":2564,"description":4290},"092d2bf5-1b4e-4bf4-853f-40c69b072506","Was ist eine virtuelle Einmalkarte?",{"type":154,"attrs":4291,"content":4292},{"backgroundColor":26},[4293],{"type":157,"attrs":4294,"content":4295},{"textAlign":26},[4296],{"text":4297,"type":163,"marks":4298},"Eine virtuelle Einmalkarte ist ein digitaler Kartendatensatz, der für einen einzelnen genehmigten Zahlungsvorgang vorgesehen ist. Nach erfolgreicher Nutzung oder Ablauf ist sie in der Regel nicht erneut verwendbar.",[4299],{"type":217,"attrs":4300},{"color":219},{"_uid":4302,"hide":29,"title":4303,"component":2564,"description":4304},"b3e57b18-fa1a-46b5-8b56-1a2086725f81","Ist eine virtuelle Einmalkarte eine Kreditkarte?",{"type":154,"attrs":4305,"content":4306},{"backgroundColor":26},[4307],{"type":157,"attrs":4308,"content":4309},{"textAlign":26},[4310],{"text":4311,"type":163,"marks":4312},"Nein. Sie funktioniert normalerweise nach dem Debit- oder Prepaid-Prinzip und ist durch einen vorher verfügbaren oder genehmigten Betrag begrenzt.",[4313],{"type":217,"attrs":4314},{"color":219},{"_uid":4316,"hide":29,"title":4317,"component":2564,"description":4318},"86530bb5-f1c9-4984-a428-ab3b70d48aef","Kann ich mit einer Einmalkarte neue Lieferant:innen bezahlen?",{"type":154,"attrs":4319,"content":4320},{"backgroundColor":26},[4321],{"type":157,"attrs":4322,"content":4323},{"textAlign":26},[4324],{"text":4325,"type":163,"marks":4326},"Ja. Sie eignet sich besonders für einmalige Zahlungen an neue Lieferanten, weil keine dauerhaft nutzbare Kartennummer hinterlegt werden muss. Die Lieferantenprüfung bleibt trotzdem erforderlich.",[4327],{"type":217,"attrs":4328},{"color":219},{"_uid":4330,"hide":29,"title":4331,"component":2564,"description":4332},"20c1d395-ed9e-4ee5-ab3e-274eca4ce6de","Verhindert eine Einmalkarte automatisch die Verlängerung eines Software-Abos?",{"type":154,"attrs":4333,"content":4334},{"backgroundColor":26},[4335],{"type":157,"attrs":4336,"content":4337},{"textAlign":26},[4338],{"text":4339,"type":163,"marks":4340},"Sie kann das Risiko einer ungewollten Folgebelastung reduzieren, weil die Kartennummer nach der erfolgreichen Zahlung nicht dauerhaft verwendet werden kann. Eine Prüfung der Vertragsbedingungen und Kündigungsfristen ersetzt sie nicht.",[4341],{"type":217,"attrs":4342},{"color":219},{"_uid":4344,"hide":29,"title":4345,"component":2564,"description":4346},"a8ae3416-03b6-4142-b820-bbf938338f22","Was passiert, wenn der Rechnungsbetrag höher ist als das Kartenlimit?",{"type":154,"attrs":4347,"content":4348},{"backgroundColor":26},[4349],{"type":157,"attrs":4350,"content":4351},{"textAlign":26},[4352],{"text":4353,"type":163,"marks":4354},"Die Zahlung kann abgelehnt werden. Das Finanzteam sollte den abweichenden Betrag prüfen, bevor ein höheres Limit oder eine neue Karte freigegeben wird.",[4355],{"type":217,"attrs":4356},{"color":219},{"_uid":4358,"hide":29,"title":4359,"component":2564,"description":4360},"af98866a-19d2-456a-a289-923f88a901b7","Wie wird eine Einmalkarten-Zahlung verbucht?",{"type":154,"attrs":4361,"content":4362},{"backgroundColor":26},[4363],{"type":157,"attrs":4364,"content":4365},{"textAlign":26},[4366],{"text":4367,"type":163,"marks":4368},"Die Zahlung wird wie eine andere Kartentransaktion erfasst. Entscheidend sind die korrekte Zuordnung von Beleg, Lieferant, Kostenstelle und Ausgabenkategorie sowie die anschließende Übergabe an die Buchhaltung.",[4369],{"type":217,"attrs":4370},{"color":219},{"_uid":4372,"hide":29,"title":4373,"component":2564,"description":4374},"c81f6c90-3035-4081-8fbb-ac0d66108475","Wann ist eine wiederkehrende virtuelle Karte besser?",{"type":154,"attrs":4375,"content":4376},{"backgroundColor":26},[4377],{"type":157,"attrs":4378,"content":4379},{"textAlign":26},[4380],{"text":4381,"type":163,"marks":4382},"Sie eignet sich für regelmäßige Zahlungen wie Software-Abos oder wiederkehrende Lieferant:innenrechnungen. Die Kartennummer bleibt bestehen und wird mit einem passenden monatlichen oder jährlichen Limit versehen.",[4383],{"type":217,"attrs":4384},{"color":219},[4386],{"cta":4387,"_uid":4388,"title":4389,"eyebrow":4397,"subtitle":4400,"component":298,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4403,"sectionSettings":4404,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"45a23c85-afee-437e-8d2a-e201551b3fd3",{"type":154,"attrs":4390,"content":4391},{"backgroundColor":26},[4392],{"type":298,"attrs":4393,"content":4394},{"level":300,"textAlign":26},[4395],{"text":4396,"type":163},"Häufige Fragen zu virtuellen Einmalkarten",{"type":154,"content":4398},[4399],{"type":157},{"type":154,"content":4401},[4402],{"type":157},[],[],[],"virtuelle-einmalkarte-unternehmen-onlinezahlungen","de/blog/virtuelle-einmalkarte-unternehmen-onlinezahlungen",-2800,[],"7f5e48f1-d6a8-40d8-acc5-44ac96572036","2026-08-24T10:53:08.760Z",[],"blog/virtuelle-einmalkarte-unternehmen-onlinezahlungen",[4415,4416,4417],{"path":4413,"name":26,"lang":38,"published":26},{"path":4413,"name":26,"lang":33,"published":26},{"path":4413,"name":26,"lang":41,"published":26},{"name":4419,"created_at":4420,"published_at":4421,"updated_at":4422,"id":4423,"uuid":4424,"content":4425,"slug":4593,"full_slug":4594,"sort_by_date":26,"position":4595,"tag_list":4596,"is_startpage":29,"parent_id":2658,"meta_data":26,"group_id":4597,"first_published_at":4598,"release_id":26,"lang":33,"path":26,"alternates":4599,"default_full_slug":4600,"translated_slugs":4601},"Ausgabenlimits automatisieren mit Firmenkarten, Budgets und Freigaben","2026-08-20T11:14:51.069Z","2026-09-25T11:59:39.691Z","2026-09-25T11:59:39.715Z",211086913859155,"cdac20ea-47a8-4267-a45b-a70f1e94f869",{"_uid":4426,"title":4419,"topics":4427,"noIndex":29,"category":4457,"language":4466,"component":2490,"heroMedia":4467,"publishedAt":4468,"redirectUrl":23,"listingImage":4469,"metaDescription":4478,"bottomArticleCta":4479,"componentsAfterTheArticle":4480},"aa81b50c-3caf-4236-ad4b-0286624e5d5e",[4428,4436],{"name":179,"created_at":180,"published_at":181,"updated_at":182,"id":183,"uuid":184,"content":4429,"slug":194,"full_slug":195,"sort_by_date":26,"position":196,"tag_list":4430,"is_startpage":29,"parent_id":198,"meta_data":26,"group_id":199,"first_published_at":200,"release_id":26,"lang":33,"path":26,"alternates":4431,"default_full_slug":202,"translated_slugs":4432,"_stopResolving":42},{"_uid":192,"name":193,"component":22},[],[],[4433,4434,4435],{"path":202,"name":26,"lang":38,"published":26},{"path":202,"name":26,"lang":33,"published":42},{"path":202,"name":26,"lang":41,"published":26},{"name":4437,"created_at":4438,"published_at":4439,"updated_at":4440,"id":4441,"uuid":4442,"content":4443,"slug":4445,"full_slug":4446,"sort_by_date":26,"position":4447,"tag_list":4448,"is_startpage":29,"parent_id":198,"meta_data":26,"group_id":4449,"first_published_at":4450,"release_id":26,"lang":33,"path":26,"alternates":4451,"default_full_slug":4452,"translated_slugs":4453,"_stopResolving":42},"Geschäftsausgaben","2022-10-24T16:11:35.894Z","2026-09-29T09:14:15.441Z","2026-09-29T09:14:15.456Z",208763789,"2e74ff1e-c931-4b4b-be73-cfed9979a153",{"_uid":4444,"name":4437,"component":22,"hubspotId":23},"3f4c451e-8e90-42af-8ab4-49c7a12230b6","geschaeftsausgaben","de/blog/topic/geschaeftsausgaben",-550,[],"3faaf794-80d2-438d-b107-65619171cb1c","2022-11-02T15:24:38.392Z",[],"blog/topic/geschaeftsausgaben",[4454,4455,4456],{"path":4452,"name":26,"lang":38,"published":26},{"path":4452,"name":26,"lang":33,"published":26},{"path":4452,"name":26,"lang":41,"published":26},{"name":2478,"created_at":2479,"published_at":16,"updated_at":2480,"id":2481,"uuid":2482,"content":4458,"slug":2490,"full_slug":2491,"sort_by_date":26,"position":71,"tag_list":4460,"is_startpage":29,"parent_id":2493,"meta_data":26,"group_id":2494,"first_published_at":2495,"release_id":26,"lang":33,"path":26,"alternates":4461,"default_full_slug":2497,"translated_slugs":4462,"_stopResolving":42},{"_uid":2484,"icon":4459,"name":2478,"component":2489},{"id":2486,"alt":2487,"name":23,"focus":23,"title":23,"filename":2488,"copyright":23,"fieldtype":142,"is_external_url":29},[],[],[4463,4464,4465],{"path":2497,"name":26,"lang":38,"published":26},{"path":2497,"name":26,"lang":33,"published":26},{"path":2497,"name":26,"lang":41,"published":26},[33],[],"2026-08-20 00:00",[4470],{"_uid":4471,"asset":4472,"caption":23,"component":1339},"9592e13d-28a8-4882-9910-8abb45c2cfae",{"id":4473,"alt":4474,"name":23,"focus":23,"title":4475,"source":23,"filename":4476,"copyright":120,"fieldtype":142,"meta_data":4477,"is_external_url":29},211743082708705,"Monochrome grüne Gravur einer Firmenkarte mit Schloss als Symbol für sichere Zahlungsmittel, klare Ausgabenlimits und kontrollierte Finanzprozesse.","Ausgabenlimits mit Firmenkarten kontrollieren","https://a.storyblok.com/f/146026/2528x1696/298bf3a06b/ausgabenlimits-titelbild.jpg",{"alt":4474,"title":4475,"source":23,"copyright":120},"Wie lassen sich Ausgaben automatisch begrenzen? Erfahren Sie, wie Firmenkarten, Freigaben, Budgets und Kostenstellen Budgetüberschreitungen verhindern.",[],[4481],{"cta":4482,"_uid":4483,"items":4484,"heading":4569,"reverse":29,"component":2652,"sectionSettings":4592},[],"1218ce61-f2c5-421a-aecd-c7b04ded2e10",[4485,4499,4513,4527,4541,4555],{"_uid":4486,"hide":29,"title":4487,"component":2564,"description":4488},"24e89cc0-4057-490f-9d52-6f774fe09f61","Wie lege ich Ausgabenlimits für Firmenkarten fest?",{"type":154,"attrs":4489,"content":4490},{"backgroundColor":26},[4491],{"type":157,"attrs":4492,"content":4493},{"textAlign":26},[4494],{"text":4495,"type":163,"marks":4496},"Sie definieren pro Karte oder Team einen Betrag, einen Zeitraum und gegebenenfalls zulässige Kategorien oder Händler. Ergänzend können Freigaben und Budgetwarnungen eingerichtet werden.",[4497],{"type":217,"attrs":4498},{"color":219},{"_uid":4500,"hide":29,"title":4501,"component":2564,"description":4502},"ab3d31c2-20e9-4fc5-914c-8e2c889abd16","Was ist der Unterschied zwischen Budget und Kartenlimit?",{"type":154,"attrs":4503,"content":4504},{"backgroundColor":26},[4505],{"type":157,"attrs":4506,"content":4507},{"textAlign":26},[4508],{"text":4509,"type":163,"marks":4510},"Ein Budget beschreibt den verfügbaren finanziellen Rahmen. Ein Kartenlimit begrenzt die Nutzung eines konkreten Zahlungsmittels. Für eine vollständige Kontrolle sollten beide miteinander verbunden werden.",[4511],{"type":217,"attrs":4512},{"color":219},{"_uid":4514,"hide":29,"title":4515,"component":2564,"description":4516},"e9cedc08-cedc-4716-8a06-1f6f112d73d4","Können Kartenlimits jede Budgetüberschreitung verhindern?",{"type":154,"attrs":4517,"content":4518},{"backgroundColor":26},[4519],{"type":157,"attrs":4520,"content":4521},{"textAlign":26},[4522],{"text":4523,"type":163,"marks":4524},"Nein. Kartenlimits können Zahlungen innerhalb des Kartenprozesses ablehnen. Rechnungen, Überweisungen, Erstattungen und andere Zahlungswege benötigen zusätzliche Regeln.",[4525],{"type":217,"attrs":4526},{"color":219},{"_uid":4528,"hide":29,"title":4529,"component":2564,"description":4530},"8736999d-ede3-4df1-8d52-6d3378ab0039","Wie ordne ich Ausgaben automatisch Kostenstellen zu?",{"type":154,"attrs":4531,"content":4532},{"backgroundColor":26},[4533],{"type":157,"attrs":4534,"content":4535},{"textAlign":26},[4536],{"text":4537,"type":163,"marks":4538},"Indem Sie Karten, Budgets und Freigabeprozesse mit Kostenstellen verknüpfen. Die Zuordnung wird dann bereits bei der Ausgabe oder Freigabe vorgeschlagen und kann für den Buchhaltungsexport genutzt werden.",[4539],{"type":217,"attrs":4540},{"color":219},{"_uid":4542,"hide":29,"title":4543,"component":2564,"description":4544},"5df60580-6ddc-4600-9205-5082625639fc","Für welche Unternehmen lohnt sich eine Budgetverwaltung?",{"type":154,"attrs":4545,"content":4546},{"backgroundColor":26},[4547],{"type":157,"attrs":4548,"content":4549},{"textAlign":26},[4550],{"text":4551,"type":163,"marks":4552},"Eine digitale Budgetverwaltung ist besonders dann sinnvoll, wenn viele Mitarbeitende, Teams, Karten, Kostenstellen oder Gesellschaften beteiligt sind und Tabellen sowie E-Mail-Freigaben nicht mehr zuverlässig funktionieren.",[4553],{"type":217,"attrs":4554},{"color":219},{"_uid":4556,"hide":29,"title":4557,"component":2564,"description":4558},"d7191753-9f3a-449f-9ab5-aeaf0719c30e","Wie unterscheiden sich Budgetwarnung und hartes Limit?",{"type":154,"attrs":4559,"content":4560},{"backgroundColor":26},[4561],{"type":157,"attrs":4562,"content":4563},{"textAlign":26},[4564],{"text":4565,"type":163,"marks":4566},"Eine Warnung informiert über einen kritischen Budgetstand und lässt eine Entscheidung zu. Ein hartes Limit blockiert eine Zahlung, sobald der festgelegte Betrag erreicht ist.",[4567],{"type":217,"attrs":4568},{"color":219},[4570],{"cta":4571,"_uid":4572,"title":4573,"eyebrow":4584,"subtitle":4587,"component":298,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4590,"sectionSettings":4591,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"8895ed68-3b8b-4a2d-bc46-9298d70fb8a6",{"type":154,"attrs":4574,"content":4575},{"backgroundColor":26},[4576],{"type":298,"attrs":4577,"content":4578},{"level":300,"textAlign":26},[4579],{"text":4580,"type":163,"marks":4581},"Häufige Fragen zu automatisierten Ausgabenlimits",[4582],{"type":217,"attrs":4583},{"color":219},{"type":154,"content":4585},[4586],{"type":157},{"type":154,"content":4588},[4589],{"type":157},[],[],[],"ausgabenlimits-automatisieren-firmenkarten-budgets-freigaben","de/blog/ausgabenlimits-automatisieren-firmenkarten-budgets-freigaben",-2600,[],"f1914157-0703-407e-ae86-edf1a537b622","2026-08-20T11:27:42.501Z",[],"blog/ausgabenlimits-automatisieren-firmenkarten-budgets-freigaben",[4602,4603,4604],{"path":4600,"name":26,"lang":38,"published":26},{"path":4600,"name":26,"lang":33,"published":26},{"path":4600,"name":26,"lang":41,"published":26},{"name":4606,"created_at":4607,"published_at":4608,"updated_at":4609,"id":4610,"uuid":4611,"content":4612,"slug":4722,"full_slug":4723,"sort_by_date":26,"position":4724,"tag_list":4725,"is_startpage":29,"parent_id":2658,"meta_data":26,"group_id":4726,"first_published_at":4727,"release_id":26,"lang":33,"path":26,"alternates":4728,"default_full_slug":4729,"translated_slugs":4730},"Die richtige Kreditkarte für Unternehmen und wie Sie Ihr Kartenprogramm intern aufsetzen ","2026-06-05T09:16:13.498Z","2026-09-25T11:19:03.980Z","2026-09-25T11:19:04.004Z",184161785890679,"6dcbdee5-9f74-41dd-8669-6f9761d5dff7",{"_uid":4613,"title":4606,"topics":4614,"noIndex":29,"category":4623,"language":4632,"component":2490,"heroMedia":4633,"publishedAt":4634,"redirectUrl":23,"listingImage":4635,"metaDescription":4642,"bottomArticleCta":4643,"componentsAfterTheArticle":4644},"5a8db49b-27a8-4ff2-9a07-646f007ea9dd",[4615],{"name":179,"created_at":180,"published_at":181,"updated_at":182,"id":183,"uuid":184,"content":4616,"slug":194,"full_slug":195,"sort_by_date":26,"position":196,"tag_list":4617,"is_startpage":29,"parent_id":198,"meta_data":26,"group_id":199,"first_published_at":200,"release_id":26,"lang":33,"path":26,"alternates":4618,"default_full_slug":202,"translated_slugs":4619,"_stopResolving":42},{"_uid":192,"name":193,"component":22},[],[],[4620,4621,4622],{"path":202,"name":26,"lang":38,"published":26},{"path":202,"name":26,"lang":33,"published":42},{"path":202,"name":26,"lang":41,"published":26},{"name":2478,"created_at":2479,"published_at":16,"updated_at":2480,"id":2481,"uuid":2482,"content":4624,"slug":2490,"full_slug":2491,"sort_by_date":26,"position":71,"tag_list":4626,"is_startpage":29,"parent_id":2493,"meta_data":26,"group_id":2494,"first_published_at":2495,"release_id":26,"lang":33,"path":26,"alternates":4627,"default_full_slug":2497,"translated_slugs":4628,"_stopResolving":42},{"_uid":2484,"icon":4625,"name":2478,"component":2489},{"id":2486,"alt":2487,"name":23,"focus":23,"title":23,"filename":2488,"copyright":23,"fieldtype":142,"is_external_url":29},[],[],[4629,4630,4631],{"path":2497,"name":26,"lang":38,"published":26},{"path":2497,"name":26,"lang":33,"published":26},{"path":2497,"name":26,"lang":41,"published":26},[33],[],"2026-06-05 00:00",[4636],{"_uid":4637,"asset":4638,"caption":23,"component":1339},"b7298800-f656-4b95-8893-c71017efe7ad",{"id":4639,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4640,"copyright":23,"fieldtype":142,"meta_data":4641,"is_external_url":29},84812515944677,"https://a.storyblok.com/f/146026/1020x680/d288bc5e1c/prepaid-employee-debit-cards.jpg",{},"Firmenkarten funktionieren nur mit richtigem Setup: Limits pro Rolle, Freigaben vor dem Kauf und DATEV-Test vor dem Rollout – dieser Leitfaden zeigt wie.",[],[4645],{"cta":4646,"_uid":4647,"items":4648,"heading":4702,"reverse":29,"component":2652,"sectionSettings":4721},[],"dc37ac2a-33df-4945-91fd-ba7d945b304d",[4649,4663,4676,4689],{"_uid":4650,"hide":29,"title":4651,"component":2564,"description":4652},"b235b3ca-b954-4926-9d59-f7caaf57ba6d","Wie eng sollten Limits zu Beginn gesetzt werden?",{"type":154,"content":4653},[4654],{"type":157,"attrs":4655,"content":4656},{"textAlign":26},[4657],{"text":4658,"type":163,"marks":4659},"Starten Sie eher zu eng und weiten Sie Limits auf Basis realer Daten aus dem Pilot aus. Ein Limit, das im Alltag ständig manuell überschrieben werden muss, erzeugt mehr Aufwand als ein von Anfang an richtig kalibriertes. Wenn in den ersten vier Wochen mehr als zehn Prozent der Transaktionen eine manuelle Freigabe außerhalb des definierten Rahmens erfordern, sind die Limits falsch gesetzt.",[4660],{"type":217,"attrs":4661},{"color":4662},"#111418",{"_uid":4664,"hide":29,"title":4665,"component":2564,"description":4666},"93472044-306e-429b-a8ef-5a8470b4831a","Wie viele Freigabestufen braucht ein Kartenprogramm?",{"type":154,"content":4667},[4668],{"type":157,"attrs":4669,"content":4670},{"textAlign":26},[4671],{"text":4672,"type":163,"marks":4673},"In den meisten Teams reichen zwei Stufen: Genehmigung durch den direkten Vorgesetzten bis zu einem definierten Betrag, eine zweite durch den Kaufmännischen Leiter darüber. Mehr Stufen verlangsamen den Prozess ohne nennenswerten Kontrollgewinn. Entscheidend ist, dass die Freigabe im Kartensystem selbst stattfindet statt per separater E-Mail.",[4674],{"type":217,"attrs":4675},{"color":4662},{"_uid":4677,"hide":29,"title":4678,"component":2564,"description":4679},"26cc93fe-9d55-4289-bbbc-747636426580","Müssen alle Mitarbeitenden eine eigene Karte bekommen?",{"type":154,"content":4680},[4681],{"type":157,"attrs":4682,"content":4683},{"textAlign":26},[4684],{"text":4685,"type":163,"marks":4686},"Nein. Die Faustregel: Eine eigene Karte lohnt sich ab etwa drei bis vier geschäftlichen Transaktionen pro Monat. Wer seltener kauft, wickelt das besser über einen strukturierten Erstattungsprozess ab.",[4687],{"type":217,"attrs":4688},{"color":4662},{"_uid":4690,"hide":29,"title":4691,"component":2564,"description":4692},"a896b00e-7329-4b37-8a15-7bd854e36ea5","Was tun, wenn Mitarbeitende trotz Kartenpflicht auf private Karten ausweichen?",{"type":154,"content":4693},[4694],{"type":157,"attrs":4695,"content":4696},{"textAlign":26},[4697],{"text":4698,"type":163,"marks":4699},"Das ist fast immer ein Hinweis darauf, dass der Genehmigungsprozess zu langsam ist oder Limits zu eng gesetzt wurden. Wenn eine Ad-hoc-Ausgabe schneller über die private Karte läuft als über den Freigabe-Workflow, ist der Workflow das Problem, nicht die Disziplin der Mitarbeitenden.",[4700],{"type":217,"attrs":4701},{"color":4662},[4703],{"cta":4704,"_uid":4705,"title":4706,"eyebrow":4713,"subtitle":4716,"component":298,"textAlign":23,"eyebrowPill":29,"flexibleSection":4719,"sectionSettings":4720,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"a6b5329b-7f88-4ad4-ae71-3d35a92e3a6d",{"type":154,"content":4707},[4708],{"type":298,"attrs":4709,"content":4710},{"level":300,"textAlign":26},[4711],{"text":4712,"type":163},"Häufige Fragen zu internen Kartenprogrammen",{"type":154,"content":4714},[4715],{"type":157},{"type":154,"content":4717},[4718],{"type":157},[],[],[],"kreditkarte-unternehmen-kartenprogramm-intern-aufsetzen","de/blog/kreditkarte-unternehmen-kartenprogramm-intern-aufsetzen",-1790,[],"ea1373b9-30a1-4c38-8336-47661227027e","2026-06-05T09:45:58.797Z",[],"blog/kreditkarte-unternehmen-kartenprogramm-intern-aufsetzen",[4731,4732,4733],{"path":4729,"name":26,"lang":38,"published":26},{"path":4729,"name":26,"lang":33,"published":26},{"path":4729,"name":26,"lang":41,"published":26},{"name":4735,"created_at":4736,"published_at":4737,"updated_at":4738,"id":4739,"uuid":4740,"content":4741,"slug":4933,"full_slug":4934,"sort_by_date":26,"position":4935,"tag_list":4936,"is_startpage":29,"parent_id":2658,"meta_data":26,"group_id":4937,"first_published_at":4938,"release_id":26,"lang":33,"path":26,"alternates":4939,"default_full_slug":4940,"translated_slugs":4941},"Firmenkreditkarte im Vergleich 2026: So finden Sie den richtigen Anbieter","2026-04-21T15:10:18.465Z","2026-11-03T12:14:00.589Z","2026-11-03T12:14:00.626Z",168323557264179,"69f93056-a28b-4592-8d10-8986ac1adff2",{"_uid":4742,"title":4743,"topics":4744,"noIndex":29,"category":4753,"language":4762,"component":2490,"heroMedia":4763,"publishedAt":4764,"redirectUrl":23,"listingImage":4765,"metaDescription":4773,"bottomArticleCta":4774,"componentsAfterTheArticle":4775},"abaeca95-073f-43e8-a1b6-79e2b812886b","Firmenkreditkarten im Vergleich 2026: Kredit, Debit & Prepaid",[4745],{"name":179,"created_at":180,"published_at":181,"updated_at":182,"id":183,"uuid":184,"content":4746,"slug":194,"full_slug":195,"sort_by_date":26,"position":196,"tag_list":4747,"is_startpage":29,"parent_id":198,"meta_data":26,"group_id":199,"first_published_at":200,"release_id":26,"lang":33,"path":26,"alternates":4748,"default_full_slug":202,"translated_slugs":4749,"_stopResolving":42},{"_uid":192,"name":193,"component":22},[],[],[4750,4751,4752],{"path":202,"name":26,"lang":38,"published":26},{"path":202,"name":26,"lang":33,"published":42},{"path":202,"name":26,"lang":41,"published":26},{"name":2478,"created_at":2479,"published_at":16,"updated_at":2480,"id":2481,"uuid":2482,"content":4754,"slug":2490,"full_slug":2491,"sort_by_date":26,"position":71,"tag_list":4756,"is_startpage":29,"parent_id":2493,"meta_data":26,"group_id":2494,"first_published_at":2495,"release_id":26,"lang":33,"path":26,"alternates":4757,"default_full_slug":2497,"translated_slugs":4758,"_stopResolving":42},{"_uid":2484,"icon":4755,"name":2478,"component":2489},{"id":2486,"alt":2487,"name":23,"focus":23,"title":23,"filename":2488,"copyright":23,"fieldtype":142,"is_external_url":29},[],[],[4759,4760,4761],{"path":2497,"name":26,"lang":38,"published":26},{"path":2497,"name":26,"lang":33,"published":26},{"path":2497,"name":26,"lang":41,"published":26},[33],[],"2026-04-21 00:00",[4766],{"_uid":4767,"type":23,"asset":4768,"caption":23,"overlay":4772,"component":1339},"11228d7d-e060-4d9e-8b57-caffe49d212d",{"id":4769,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4770,"copyright":23,"fieldtype":142,"meta_data":4771,"is_external_url":29},164483815230547,"https://a.storyblok.com/f/146026/1536x1024/39699f6af1/1773977103042-klcen-1.png",{},[],"Firmenkreditkarten klingen gleich - sind sie aber nicht. Welches Modell Ihr Finanzteam wirklich kontrolliert und was Anbieter selten erklären.",[],[4776],{"cta":4777,"_uid":4778,"items":4779,"heading":4910,"reverse":29,"component":2652,"sectionSettings":4932},[],"c9f7f1b3-f322-4ab4-a49d-ba127afc9db8",[4780,4793,4806,4819,4832,4845,4858,4871,4884,4897],{"_uid":4781,"hide":29,"title":4782,"component":2564,"description":4783},"02325c27-12a5-48dc-80df-4539a033238f","Welche Firmenkreditkarte ist die beste für mein Unternehmen?",{"type":154,"content":4784},[4785],{"type":157,"attrs":4786,"content":4787},{"textAlign":26},[4788],{"text":4789,"type":163,"marks":4790},"Es gibt keinen universellen Testsieger. Für etablierte GmbHs mit guter Bonität eignen sich American Express Business oder Pliant (echte Kreditlinien). Für Startups und Unternehmen ohne Schufa-Historie sind Spendesk oder Moss (Prepaid, keine Bonitätsprüfung) die bessere Wahl. Für internationale Teams sollten Sie die Fremdwährungsgebühren vergleichen – sie reichen von 1,49% bis 2,99%.",[4791],{"type":217,"attrs":4792},{"color":4662},{"_uid":4794,"hide":29,"title":4795,"component":2564,"description":4796},"ae16654e-f767-4c98-8c4e-5fcdc56dccce","Gibt es Firmenkreditkarten ohne Schufa-Prüfung?",{"type":154,"content":4797},[4798],{"type":157,"attrs":4799,"content":4800},{"textAlign":26},[4801],{"text":4802,"type":163,"marks":4803},"Ja. Prepaid-Firmenkreditkarten erfordern keine Schufa-Prüfung, da kein Kreditrahmen gewährt wird. Spendesk, Moss (Prepaid-Tarife) und Finom arbeiten ohne Bonitätsprüfung. Bei echten Kreditkarten wie American Express oder Pliant ist eine Schufa-Abfrage Standard.",[4804],{"type":217,"attrs":4805},{"color":4662},{"_uid":4807,"hide":29,"title":4808,"component":2564,"description":4809},"3acf6299-d2c9-47ab-949b-a2aecdba30ff","Was kostet eine Firmenkreditkarte im Jahr?",{"type":154,"content":4810},[4811],{"type":157,"attrs":4812,"content":4813},{"textAlign":26},[4814],{"text":4815,"type":163,"marks":4816},"Die Bandbreite reicht von 0 EUR (Finom Starter, Moss Free-Tier) bis über 500 EUR pro Jahr (American Express Premium-Karten). Typische Preismodelle: monatliche Plattformgebühr (z.B. ab 199 EUR/Monat bei Spendesk) oder Jahresgebühr pro Karte (z.B. 80–500 EUR bei American Express). Versteckte Kosten beachten: Fremdwährungsgebühren (1,5–2,99%), Bargeldabhebung (oft 2–3%).",[4817],{"type":217,"attrs":4818},{"color":4662},{"_uid":4820,"hide":29,"title":4821,"component":2564,"description":4822},"d82991bf-fa7b-41b5-a284-3959d145a510","Was ist der Unterschied zwischen Firmenkreditkarte und Geschäftskonto-Karte?",{"type":154,"content":4823},[4824],{"type":157,"attrs":4825,"content":4826},{"textAlign":26},[4827],{"text":4828,"type":163,"marks":4829},"Eine Geschäftskonto-Karte ist eine Debitkarte, die direkt mit dem Firmenkonto verknüpft ist – Abbuchungen erfolgen sofort. Eine Firmenkreditkarte kann Kredit, Debit oder Prepaid sein und läuft auf den Firmennamen. Der Hauptvorteil: Sie können mehrere Karten an Mitarbeiter ausgeben, jede mit eigenem Limit.",[4830],{"type":217,"attrs":4831},{"color":4662},{"_uid":4833,"hide":29,"title":4834,"component":2564,"description":4835},"4124a9db-6f0c-4c6b-9d5d-4f3faa694a03","Was sind virtuelle Firmenkreditkarten?",{"type":154,"content":4836},[4837],{"type":157,"attrs":4838,"content":4839},{"textAlign":26},[4840],{"text":4841,"type":163,"marks":4842},"Virtuelle Karten sind digitale Kartennummern ohne physische Plastikkarte – sofort verfügbar, keine Lieferzeit. Sie eignen sich für Online-Zahlungen: SaaS-Abonnements, Werbeausgaben, Lieferantenbestellungen. Single-use Karten werden nach einer Transaktion ungültig, was maximale Sicherheit bei unbekannten Händlern bietet. Spendesk bietet virtuelle Karten mit Limits bis 200.000 EUR pro Transaktion.",[4843],{"type":217,"attrs":4844},{"color":4662},{"_uid":4846,"hide":29,"title":4847,"component":2564,"description":4848},"568703f9-6106-4d09-b83e-decb5a71c340","Wie funktioniert eine Prepaid-Firmenkreditkarte?",{"type":154,"content":4849},[4850],{"type":157,"attrs":4851,"content":4852},{"textAlign":26},[4853],{"text":4854,"type":163,"marks":4855},"Sie laden vorab Guthaben auf die Karte – ausgeben können Sie nur, was aufgeladen ist. Keine Kreditlinie, keine Zinsen, keine Schufa-Prüfung. Das Unternehmen definiert das Budget; Mitarbeiter erhalten Karten mit individuellen Limits.",[4856],{"type":217,"attrs":4857},{"color":4662},{"_uid":4859,"hide":29,"title":4860,"component":2564,"description":4861},"347f462d-7d14-490c-a5f7-8b40bd3885fd","Kann ich eine Firmenkreditkarte privat nutzen?",{"type":154,"content":4862},[4863],{"type":157,"attrs":4864,"content":4865},{"textAlign":26},[4866],{"text":4867,"type":163,"marks":4868},"Grundsätzlich nein. Firmenkreditkarten sind für Geschäftsausgaben bestimmt. Private Nutzung kann steuerliche und arbeitsrechtliche Konsequenzen haben. Bei Prepaid-Karten mit Kategoriesperren lässt sich private Nutzung technisch ausschließen.",[4869],{"type":217,"attrs":4870},{"color":4662},{"_uid":4872,"hide":29,"title":4873,"component":2564,"description":4874},"e176b8a4-9d82-4f59-9ff6-691cf11fb4c8","Wer haftet bei der Firmenkreditkarte?",{"type":154,"content":4875},[4876],{"type":157,"attrs":4877,"content":4878},{"textAlign":26},[4879],{"text":4880,"type":163,"marks":4881},"Bei echten Firmenkreditkarten haftet das Unternehmen für alle Ausgaben. Manche Anbieter verlangen zusätzlich eine persönliche Bürgschaft des Geschäftsführers. Bei Prepaid-Karten gibt es keine Haftung über das eingezahlte Guthaben hinaus.",[4882],{"type":217,"attrs":4883},{"color":4662},{"_uid":4885,"hide":29,"title":4886,"component":2564,"description":4887},"c9aff2a9-8807-4418-bf52-90504b742e95","Sind Firmenkreditkarten-Gebühren steuerlich absetzbar?",{"type":154,"content":4888},[4889],{"type":157,"attrs":4890,"content":4891},{"textAlign":26},[4892],{"text":4893,"type":163,"marks":4894},"Ja. Jahresgebühren und Transaktionsgebühren sind als Betriebsausgaben vollständig steuerlich absetzbar – vorausgesetzt, die Karte wird ausschließlich für geschäftliche Zwecke verwendet.",[4895],{"type":217,"attrs":4896},{"color":4662},{"_uid":4898,"hide":29,"title":4899,"component":2564,"description":4900},"5b7bc36a-11ff-4b3c-8e81-23b35a5a3e46","Welche Firmenkreditkarte eignet sich für Startups?",{"type":154,"content":4901},[4902],{"type":157,"attrs":4903,"content":4904},{"textAlign":26},[4905],{"text":4906,"type":163,"marks":4907},"Startups haben oft keine Schufa-Historie für klassische Kreditkarten. Die Empfehlung: Prepaid-Firmenkarten ohne Bonitätsprüfung – Spendesk, Moss oder Finom. Wichtige Kriterien: schnelle Einrichtung (24–48 Stunden) und skalierbare Kartenanzahl ohne versteckte Kosten. Spendesk bietet unbegrenzte Karten ohne Aufpreis – ideal für schnell wachsende Teams.",[4908],{"type":217,"attrs":4909},{"color":4662},[4911],{"cta":4912,"_uid":4913,"title":4914,"eyebrow":4924,"subtitle":4927,"component":298,"textAlign":23,"flexibleSection":4930,"sectionSettings":4931,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"9814d0c1-92f9-4ed5-9bcb-b65b53ca512a",{"type":154,"content":4915},[4916],{"type":298,"attrs":4917,"content":4918},{"level":300,"textAlign":26},[4919],{"text":4920,"type":163,"marks":4921},"Häufig gestellte Fragen zu Firmenkreditkarten",[4922],{"type":217,"attrs":4923},{"color":4662},{"type":154,"content":4925},[4926],{"type":157},{"type":154,"content":4928},[4929],{"type":157},[],[],[],"firmenkreditkarte-im-vergleich-2026-so-finden-sie-den-richtigen-anbieter","de/blog/firmenkreditkarte-im-vergleich-2026-so-finden-sie-den-richtigen-anbieter",-1230,[],"bc07ab3d-5c70-4076-b981-f56a893bd4e1","2026-04-21T15:55:14.838Z",[],"blog/firmenkreditkarte-im-vergleich-2026-so-finden-sie-den-richtigen-anbieter",[4942,4943,4944],{"path":4940,"name":26,"lang":38,"published":26},{"path":4940,"name":26,"lang":33,"published":26},{"path":4940,"name":26,"lang":41,"published":26},1793980908420]