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Business Account Guide

Directory · Last checked 8 November 2026

Business accounts we've researched

Each account below has its own page with what it is, how your money is protected, who can open one and its headline fees, all taken from the provider's own pricing, help and legal pages.

Incard is listed first because it is the only provider we have an affiliate relationship with, and the account we suggest first for UK and Swiss businesses with heavy card spending that don't need FSCS cover. The rest are alphabetical, not ranked, and every other provider link is an ordinary link.

Table notes: correct as of 8 November 2026. “Bank” means eligible deposits have statutory deposit protection (FSCS in the UK, esisuisse in Switzerland). E-money accounts are safeguarded instead. See each page for the details.
AccountBank or e-moneyWhereCheapest plan
IncardAffiliateE-moneyUK and SwitzerlandFree: £0 a month
AirwallexE-moneyUK, Switzerland and other countriesExplore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)
ANNAE-moneyUKFree: £0 a month, pay for what you use
HSBC UK Small Business Banking AccountBankUK£0 a month
Mettle by NatWestBankUKNo fee for maintaining the account
Monzo BusinessBankUKLite: free
PostFinance business accountBankSwitzerlandCHF 5 a month
Revolut BusinessBankUKBasic: £10 a month
Starling Bank business accountBankUK£0 a month
TideBankUKLite: £0 a month
Wise BusinessE-moneyUK and other countriesNo subscription or monthly fee

How we chose these accounts

We list accounts that UK and Swiss businesses commonly compare with Incard, and only where we could check the provider's current pricing, eligibility and protection on its own website. An account missing from this list hasn't been judged; we just haven't researched it yet.

Considering Incard? Its eligibility rules say whether Incard can take your business on, and the e-money vs bank account guide explains the protection column.

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.