GuideLast checked 8 November 2026

Capital on Tap alternatives

A business credit card for UK limited companies and LLPs, with 1% back on card spend as points, no annual fee on the Free plan and no FX or ATM fees. A Pro plan at £299 a year adds travel perks. If it doesn't fit, here are 31 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 Capital on Tap profile.

Why Incard is our pick instead of Capital on Tap

Incard lists a euro account, which Capital on Tap's pages don't
Incard lists a US dollar account, which Capital on Tap's pages don't
Incard lists accounts for UK sole traders, which Capital on Tap'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. Capital on Tap: 1% on all card spend as points on Free and Pro; Pro earns 1.25% on preloaded spend

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

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 Capital on Tap's don't.
Account	Cheapest plan	Lists, unlike Capital on Tap	Compare
IncardOur pick for card spend	Free: £0 a month	a euro account, a US dollar account, UK sole traders, Swiss GmbHs and AGs, Swiss sole traders	Compare Incard and Capital on Tap
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, card payments from customers, UK sole traders, Swiss GmbHs and AGs
Allica BankBank · FSCS cover	£0 a month with an average balance of £10,000 or more; otherwise £25 a month	bank deposit protection
AmexCredit card · no deposits held	Business Gold: £195 a year (£0 in the first year)	UK sole traders	Compare Amex and Capital on Tap
ANNAE-money · safeguarded, no FSCS	Free: £0 a month, pay for what you use	invoicing, UK sole traders
Bank of ScotlandBank · FSCS cover	No account fee for 12 months on a business's first account, then £10 a month	a euro account, cash deposits, card payments from customers, UK sole traders, bank deposit protection
BarclaycardCredit card · no deposits held	Select Cashback: £0 a year	UK sole traders	Compare Barclaycard and Capital on Tap
BarclaysBank · FSCS cover	Free for 12 months, then £8.50 a month	a euro account, a US dollar account, cash deposits, UK sole traders, bank deposit protection
CountingupBank · FSCS cover	Free for 3 months, then £5 a month while you pay in up to £750 a month	card payments from customers, invoicing, UK sole traders, bank deposit protection
Danske BankBank · FSCS cover	Small Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a month	a euro account, cash deposits, UK sole traders, bank deposit protection
Equals MoneyE-money · safeguarded, no FSCS	Business: £25 a month (£250 a year)	a euro account, a US dollar account
HSBCBank · FSCS cover	£0 a month	cash deposits, UK sole traders, bank deposit protection
LloydsBank · FSCS cover	Free for 12 months for businesses new to Lloyds, then £10 a month	a euro account, cash deposits, card payments from customers, UK sole traders, bank deposit protection
Metro BankBank · FSCS cover	£8 a month, or £0 in any month your balance stays at £6,000 or more; 12 months fee-free for businesses new to Metro Bank, 31 months for full switchers	a euro account, a US dollar account, cash deposits, invoicing, UK sole traders, bank deposit protection
MettleBank · FSCS cover	No fee for maintaining the account	cash deposits, invoicing, UK sole traders, bank deposit protection
Monzo BusinessBank · FSCS cover	Lite: free	cash deposits, invoicing, UK sole traders, bank deposit protection
NatWestBank · FSCS cover	No monthly fee; 2 years' free everyday banking for start-ups (turnover up to £1 million) and full switchers (turnover up to £2 million)	cash deposits, card payments from customers, UK sole traders, bank deposit protection
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	Nothing extra listed
PleoE-money · safeguarded, no FSCS	Start: £8 per user a month	a euro account, a US dollar account
Revolut BusinessBank · FSCS cover	Basic: £10 a month	a euro account, a US dollar account, card payments from customers, bank deposit protection
RBSBank · FSCS cover	No monthly fee; 2 years of free everyday banking for start-ups (turnover under £1m) and full-switch customers (turnover up to £2m)	cash deposits, UK sole traders, bank deposit protection
SantanderBank · FSCS cover	Free for 12 months for start-ups and switchers, then £9.99 a month	cash deposits, card payments from customers, UK sole traders, bank deposit protection
SoldoE-money · safeguarded, no FSCS	Standard: £27 a month + VAT	a euro account, a US dollar account
StarlingBank · FSCS cover	£0 a month	a euro account, a US dollar account, cash deposits, card payments from customers, UK sole traders, bank deposit protection
Co-op BankBank · FSCS cover	£0 a month	cash deposits, card payments from customers, UK sole traders, bank deposit protection
TideBank · FSCS cover	Lite: £0 a month	cash deposits, UK sole traders, bank deposit protection
TSBBank · FSCS cover	Free for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)	cash deposits, card payments from customers, UK sole traders, bank deposit protection
Virgin MoneyBank · FSCS cover	25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a month	cash deposits, card payments from customers, UK sole traders, bank deposit protection
Wise BusinessE-money · safeguarded, no FSCS	No subscription or monthly fee	a euro account, a US dollar account, UK sole traders
WorldFirstE-money · safeguarded, no FSCS	£0 a month	a euro account, a US dollar account, UK sole traders
Zempler BankBank · FSCS cover	Business Go: £0 a month	cash deposits, card payments from customers, invoicing, UK sole traders, bank deposit protection

What Capital on Tap does well

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

You run a UK limited company or LLP and want 1% back on card spend with no annual fee
You pay in foreign currencies by card and want no FX fee
You want free employee cards with their own spending limits
You sync spending to Xero, QuickBooks, Sage or FreeAgent

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

Our 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 Capital on Tap Work out your cashback Check eligibility

Apply for Incard on incard.co

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.

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