Independent comparisons for UK and Swiss businesses
Find the business account that pays you back
We compare modern business accounts and cards on fees, cashback, foreign exchange, deposit protection and eligibility, using each provider's own published terms.
Cashback earnednow£50.00 back on this month's ad spendThe 11 business accounts we compare
Our pick for card spendIncard: 1% cashback on ads, software and travel, on a £0 plan
Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.
Work out your cashbackCheck eligibility
We may earn a commission if you apply.
- a month on the Free plan, with team cards
- £0
- cashback on ads, software and travel; 0.5% on other eligible spend
- 1%
- IBANs in three currencies
- GBP, EUR, USD
What Incard offers
- Uncapped cashback on eligible card spend: 1% on advertising, recurring software and travel and 0.5% on everything else on the Free plan; 1.25% and 1% on Grow
- A £0 Free plan with team cards (15 on Free, per Incard's pricing page)
- GBP, EUR and USD IBANs, with £5,000 a month of currency exchange at the interbank rate on Free
- Sole traders welcome: UK and Swiss sole traders and freelancers can open an account, as well as UK Ltd and LLP and Swiss GmbH and AG
- Flex Cards: Incard says you can pay in 42 days at 0% interest, with no credit check. Its pricing page doesn't say which plans include them
- Incard is an e-money institution, not a bank. Balances are safeguarded, not FSCS-protected.
Incard isn't the right account if
- You need your balance covered by the FSCS. Choose a bank instead
- Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
- You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries
- You've applied before. Speak to Incard directly instead
- You need to take card payments from customers, or hold currencies beyond GBP, EUR and USD
Incard side by side with the accounts people weigh it against
Each comparison covers fees, cashback, FX, protection and eligibility, and says who the other account suits better. Listed in the order we published them, not ranked.
- vsIncard vs Revolut BusinessPlan prices, card cashback, FX allowances, deposit protection and eligibility side by side, with a verdict on who each account suits.Read the comparison
- vsIncard vs TideCashback against Tide's free and paid plans, card FX fees, FSCS cover through ClearBank, and who can open each account.Read the comparison
- vsIncard vs Starling BankA cashback e-money account against a no-fee UK bank account: fees, foreign currency, protection and eligibility.Read the comparison
- vsIncard vs Wise BusinessCard cashback and interbank FX allowances against Wise's per-conversion pricing and 22-currency account details.Read the comparison
- vsIncard vs HSBCAn app-based cashback account against a high-street bank account with branches, cash services and borrowing.Read the comparison
Every business account we've researched
Type, protection, where it's available and the cheapest plan, from each provider's own pricing, help and legal pages. Open a profile for the full fee table and sources.
| Account | Type and protection | Available in | Cheapest plan | Read more |
|---|---|---|---|---|
IncardOur pick for card spend | E-money · safeguarded, no FSCS | UK and Switzerland | Free: £0 a month | |
| E-money · safeguarded, no FSCS | UK, Switzerland and other countries | Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT) | ||
| E-money · safeguarded, no FSCS | UK | Free: £0 a month, pay for what you use | ||
| Bank · FSCS cover | UK | £0 a month | ||
| Bank · FSCS cover | UK | No fee for maintaining the account | ||
| Bank · FSCS cover | UK | Lite: free | ||
| Bank · esisuisse cover | Switzerland | CHF 5 a month | ||
| Bank · FSCS cover | UK | Basic: £10 a month | ||
| Bank · FSCS cover | UK | £0 a month | ||
| Bank · FSCS cover | UK | Lite: £0 a month | ||
| E-money · safeguarded, no FSCS | UK and other countries | No subscription or monthly fee |
Free calculators
See what Incard's plans would earn and cost your business. Both run in your browser; nothing you enter is stored or sent anywhere.
- Free toolIncard cashback vs plan calculatorEnter your monthly card spend by category to see estimated cashback on Free, Grow and Plus, and where a paid plan breaks even.Open the calculator
- Free toolIncard FX cost calculatorEnter your monthly currency exchange to see the FX fee and total monthly cost on each Incard plan, and which plan's allowance fits your volume.Open the calculator
Guides
- GuideE-money account or bank account: safeguarding vs FSCSWhat happens to your money if a provider fails, which business accounts are banks, and how businesses use both.Read the guide
- GuideHow to switch or add a business accountWhen the Current Account Switch Service applies, how long it takes, and how to run a second account alongside your bank.Read the guide
- GuideBusiness accounts for UK sole traders and freelancersWhich accounts accept sole traders, what registration they ask for, and what the free plans cost.Read the guide
Open an Incard account
Incard currently onboards UK and Swiss businesses, and some industries are restricted, so check the eligibility rules first. It is an e-money institution, not a bank: your balance is safeguarded rather than FSCS-protected.
Free plan: £0 a month
1% cashback on ads, software and travel, team cards, and GBP, EUR and USD IBANs.
We may earn a commission if you apply.
Independent and source-checked: every figure links to the provider's own page. How we work and make money