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Card & Current

GuideLast checked 8 November 2026

BCV alternatives

Monthly banking packs from Vaud's cantonal bank for small businesses operating in the canton of Vaud, with a current account, set transactions and a Visa Debit card. New businesses get the first year free. If it doesn't fit, here are 9 accounts that share its market, starting with Incard, our pick for businesses whose main costs go on cards.

By the editorial team. How we make money. Our BCV profile.

Why Incard is our pick instead of BCV

  • Incard lists a £0 plan, which BCV's pages don't
  • Incard lists card cashback, which BCV's pages don't
  • Incard lists a euro account, which BCV's pages don't
  • Incard lists a US dollar account, which BCV's pages don't
  • Incard lists cards for your team, which BCV's pages don't
  • Incard lists accounts for Swiss sole traders, which BCV's pages don't
  • Card cashback on Incard: Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped. BCV: Not listed

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

We may earn a commission if you apply.

The alternatives

Table notes: correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked. “Lists” means the provider's pages mention it and BCV's don't.
AccountCheapest planLists, unlike BCVCompare
IncardOur pick for card spend
Free: £0 a monthcard cashback, a euro account, a US dollar account, cards for your team, UK sole traders, UK limited companies, LLPs, Swiss sole tradersCompare Incard and BCV
AirwallexE-money · safeguarded, no FSCS
Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)a euro account, cards for your team, UK sole traders, UK limited companies
Migros BankBank · esisuisse cover
CHF 3 a montha euro account, a US dollar account, cards for your team, Swiss sole traders
PayhawkE-money · safeguarded, no FSCS
Growth program: £149 a monthcards for your team
PostFinanceBank · esisuisse cover
CHF 5 a montha euro account, Swiss sole traders
UBSBank · esisuisse cover
Free for the first year, then CHF 20 a quartera euro account, a US dollar account, Swiss sole traders
ValiantBank · esisuisse cover
Business Set Basis: freea euro account, Swiss sole traders
yapealE-money · safeguarded, no FSCS
Free: CHF 0 a monthcard cashback, a euro account, cards for your team, Swiss sole traders
ZKBBank · esisuisse cover
Free for the first year, then CHF 7 a montha euro account, a US dollar account, Swiss sole traders

What BCV does well

Before you move, check that you won't lose something you use. BCV suits you if:

Many businesses keep their existing account and add a second one for card spending. Our switching guide covers both routes.

When Incard isn't the answer

Incard isn't the right account if

  • 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
IncardOur pick for card spend

Incard: 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.

E-money · safeguarded, no FSCS

Read Incard vs BCVWork out your cashbackCheck eligibility

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

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

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.

Show all 52 sources