Compare modern business accounts and cards before you apply
We compare newer business accounts on fees, cashback, foreign exchange, deposit protection and eligibility, using each provider's own terms.
Spend a lot on ads, software or travel? Start with Incard
Incard is the account we recommend first for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection. Check whether you're eligible and what cashback your spending would earn before you apply.
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
- 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
Check your eligibility · Work out your cashback
Affiliate link: we may earn a commission if you open an Incard account through this link. It never affects our verdicts.
Comparisons
- Incard vs Revolut Business
Plan prices, card cashback, FX allowances, deposit protection and eligibility side by side, with a verdict on who each account suits.
Comparison · Last checked 8 November 2026
- Incard vs Tide
Cashback against Tide's free and paid plans, card FX fees, FSCS cover through ClearBank, and who can open each account.
Comparison · Last checked 8 November 2026
- Incard vs Starling Bank
A cashback e-money account against a no-fee UK bank account: fees, foreign currency, protection and eligibility.
Comparison · Last checked 8 November 2026
- Incard vs Wise Business
Card cashback and interbank FX allowances against Wise's per-conversion pricing and 22-currency account details.
Comparison · Last checked 8 November 2026
- Incard vs HSBC Small Business Banking Account
An app-based cashback account against a high-street bank account with branches, cash services and borrowing.
Comparison · Last checked 8 November 2026
Looking for another provider? See all 11 business accounts we've researched.
Free tools
- Incard cashback vs plan calculator
Enter your monthly card spend by category to see estimated cashback on Free, Grow and Plus, and where a paid plan breaks even.
Free tool · Last checked 8 November 2026
- Incard FX cost calculator
Enter 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.
Free tool · Last checked 8 November 2026
Guides
- E-money account or bank account: safeguarding vs FSCS
What happens to your money if a provider fails, which business accounts are banks, and how businesses use both.
Guide · Last checked 8 November 2026
- How to switch or add a business account
When the Current Account Switch Service applies, how long it takes, and how to run a second account alongside your bank.
Guide · Last checked 8 November 2026
- Business accounts for UK sole traders and freelancers
Which accounts accept sole traders, what registration they ask for, and what the free plans cost.
Guide · Last checked 8 November 2026
Who this site is for
Directors of UK limited companies and LLPs, UK sole traders and freelancers, and Swiss GmbH, AG and sole-trader businesses who spend regularly on a business card, such as advertising, software subscriptions and travel, and who want to understand the trade-offs before switching or adding an account.
- You run a registered business in the UK or Switzerland
- You'll use the account and card for real business spending
- You want to compare fees and cashback against what you'd pay each month
- You want to know whether your money is bank-protected or safeguarded
How we work
Checked against the source
Fees, eligibility and protection details come from each provider's own pricing pages, help centre and legal terms, with links so you can check them yourself.
Fair on both sides
We say who each account is better for, including when the answer is the one we don't earn from.
Plain about money
We may earn a commission from some links. Every one is labelled, and nothing on this site sits behind a sign-up form.
More on our funding and editorial standards on the about and disclosure page.
Before you apply to Incard
Check the eligibility rules first: Incard currently onboards UK and Swiss businesses only, and some industries are restricted. Incard is an e-money institution, not a bank, so your balance is safeguarded rather than FSCS-protected.
Affiliate link: we may earn a commission if you open an Incard account through this link. It never affects our verdicts.