← Back to Blog
Pricing

Family Tier vs Business Tier — Which Do You Need?

Published 21 April 2026 · 6 min read

Quick answer. Family is right for shared-address households up to 5 people using Gera products for personal spending. Business is right for teams and sole traders who need expensable invoices, unified billing, admin controls, and priority support. Edge cases (3-person startups living together, parents using Gera for a home business) are covered below with concrete recommendations.

The two tiers at a glance

  • Family £19.99/mo — up to 5 members on a shared household, single address verification, personal spending, benefits shared.
  • Business £49/mo — unlimited seats (billed per active seat), VAT-compliant invoicing, admin dashboard, SSO, priority support SLA, expense-export integrations.

Use Family if

  • You live with up to 4 others at one address.
  • All usage is personal spending.
  • You do not need per-user expense reports.
  • You do not need a VAT-eligible invoice.
  • Your monthly shared-product usage is clearly consumer- shaped (meals, rides, home services, learn, shopping).

Use Business if

  • Your spend needs to be expensable with per-user audit.
  • You have multiple team members in different locations.
  • You need an admin who can add / remove seats without touching each member’s account.
  • You need priority support (under-2h response in business hours, under-8h after hours).
  • You need SSO (Google Workspace, Microsoft 365, Okta).
  • You claim VAT.

Edge case: the 3-person startup that lives together

Three cofounders renting a flat. Mostly working from home; most orders are personal. Answer: Family for personal spending, Business for the company card. Two different subscriptions — Family is for your life, Business is for the ltd. We know it is slightly awkward; separation is worth it for VAT and clean books.

Edge case: the parent running a home business

One parent runs a Shopify-style shop from home while the rest of the household uses Gera for personal stuff. Answer: Family covers the household. If the home-business spend is material (>£200/mo) and VAT-registered, add a Business tier for the business card. If spend is small, keep it on Family and pay the VAT off separately — the Family saving still exceeds the VAT handling cost for small volumes.

Edge case: the multi-address family

Parents in Manchester, adult child in university in Leeds, grandparent in Birmingham, all using Gera. Family allows up to 5 members but requires one primary address — usage at the other addresses is fine as long as the accounts are linked. Delivery postcode matters for GeraEats; GeraRide and GeraClinic are address-agnostic.

The switching path

You can switch tiers at any time from the dashboard. Upgrades are prorated to the remaining period; downgrades apply at the next renewal. No cancel-and-rejoin required; no penalty.

What each tier does NOT include

Neither tier covers prescription drug costs at GeraClinic (those are pass-through to partner pharmacies), nor does either cover marketplace-seller fees at GeraMarket (those are seller-side). Business does not waive GeraCash transaction fees (payment-processing costs are pass- through).

When Business is overkill

If your team is 1-2 people with no VAT, Individual × 2 subscriptions plus expense tracking via receipts is cheaper than Business. Business earns its keep at 3+ seats or where the VAT + expense-export features save accounting time.

Cross-links

See also: is Gera Prime worth it — value calculator, cancelling, pausing and refunds, and the full tier comparison.

Subscribe and save across every Gera product.

Subscribe to Gera Prime