Special offer for miiCard members from Xpenditure

Special offer for miiCard members from XpenditureXpenditure, the easy expense management service, has a special offer for miiCard members right now.


Sign up to Xpenditure and save 25%


Used by everyone from individuals, freelancers, small businesses to enterprise, Xpenditure takes the manual processing out of expenses to save you time and hassle.

You can connect your credit card and bank statements through miiCard and it works with popular accounting tools like Sage, QuickBooks, FreshBooks and FreeAgent.

Start with a 30 day free trial today and get 25% off your first year subscription.


miiCard in PwC Private Business Awards Scotland Shortlist

miiCard Online Identity Service shortlisted for Technology Innovation of the Year in the Scotland 2014 PwC Private Business Awards

miiCard shortlisted in PwC Private Business AwardsAs pioneers of the "digital passport" we are always delighted with recognition for the work we are doing to bring trust to the Internet, and so being shortlisted for the Private Business Awards for Technology of the Year in Scotland is a milestone of which we are extremely proud.

How Responsible Lending is Changing Affordability Assessment

With responsible lending guidelines now in full force following the Mortgage Market Review, lenders must look to new ways for more accurate and streamlined processes for affordability assessments.

Last week the BBC reported an increase in the number of people in the UK in 'debt denial,' that is, those struggling to make mortgage repayments. Citing figures from the financial ombudsman, there was a 6.5% increase in complaints about mortgages and secured loans in the last 12 months with 40% of those involving borrowers struggling with mortgage repayments.

With the Financial Conduct Authority's (FCA) responsible lending guidelines from the Mortgage Market Review (MMR) now in full force we should expect to see these figures go down, not only in home loans but across the entire consumer lending market - credit cards and personal loans, selling goods or services on credit, offering goods for hire, providing debt counselling or debt adjusting services.