Abstract: Systems and methods for budgeting and/or spending control. In some implementations, a user may select a plurality of spending categories and/or an amount, such as a threshold amount, for a single, intended transaction on a mobile application or a web-based application. A debit card/spending account under the control of the user may then be activated and/or funds may be temporarily allocated to the debit card for the intended transaction. The debit card/spending account may automatically default to at least one of a zero balance and an inactive status other than when sufficient information is received prior to each intended transaction.

Abstract: A system, method and computer program product are disclosed for imposing budget control constraints on user financial resources, including allocating funds across a plurality of sub-accounts exclusively associated with categories, the categories associated with a type of expenditure. A predetermined spending threshold is set for each category and a credit card may be activated in response to a spending threshold exceeding a requested payment.