Every Pemo card has an expiry date. When a card expires, it will eventually stop working and you’ll need to order a free replacement.
What happens before your card expires
We’ll notify you:
2 months before your card expires.
Again when it expires.
You’ll receive:
Email alerts.
In-app notifications.
In your account, the card status will update to:
“Expiring” as it approaches expiry.
“Expired” once it’s no longer valid.
What you should do
Order a free replacement card ahead of time so there’s no disruption.
Update your card details anywhere it is saved, such as:
Subscriptions
Online tools
SaaS platforms
Any recurring payments
Keep an eye on the “Expiring” or “Expired” status so you know which cards need action.
Good to know
You can order a replacement for free, including delivery if it's a physical card.
When you replace an expiring card, a new card is issued with the same controls for the same cardholder.
You can change limits and rules on the new card anytime.
The current card will remain active for up to 30 days after expiry, unless you freeze or terminate it earlier.
Next step
See: “How to replace an expired card or a card that’s expiring soon” for a simple step-by-step guide.