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Card & Current

GuideLast checked 8 November 2026

Countingup alternatives

An app-based business account with bookkeeping, invoicing and tax tools built in, for UK sole traders and small limited companies, priced by how much you pay in each month. 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 Countingup profile.

Why Incard is our pick instead of Countingup

  • Incard lists a £0 plan, which Countingup's pages don't
  • Incard lists card cashback, which Countingup's pages don't
  • Incard lists a euro account, which Countingup's pages don't
  • Incard lists a US dollar account, which Countingup's pages don't
  • Incard lists cards for your team, which Countingup's pages don't
  • Incard lists accounts for LLPs, which Countingup'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. Countingup: 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.

What a year of card spending earns you

Incard Free against Countingup's cheapest plan, at your monthly spend on ads, software and travel.

£660 a year better off with Incard

£600£0-£60Today6 months12 months
  • Incard Free: £600 cashback, £0 fees
  • Countingup's cheapest plan: no cashback, £60 fees

Simple arithmetic, not a forecast: 1% on eligible ads, software and travel spend at merchants on Incard's eligible brand list, and each plan's published monthly fee. Other fees, such as FX and ATM charges, aren't included. Countingup's cheapest plan: Free for 3 months, then £5 a month while you pay in up to £750 a month.

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 Countingup's don't.
AccountCheapest planLists, unlike CountingupCompare
IncardOur pick for card spend
Free: £0 a monthcard cashback, a euro account, a US dollar account, cards for your team, LLPs, Swiss GmbHs and AGs, Swiss sole tradersCompare Incard and Countingup
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, Swiss GmbHs and AGsCompare Airwallex and Countingup
Allica BankBank · FSCS cover
£0 a month with an average balance of £10,000 or more; otherwise £25 a monthcard cashback, cards for your teamCompare Allica Bank and Countingup
AmexCredit card · no deposits held
Business Gold: £195 a year (£0 in the first year)cards for your team, LLPs
ANNAE-money · safeguarded, no FSCS
Free: £0 a month, pay for what you useNothing extra listedCompare ANNA and Countingup
Bank of ScotlandBank · FSCS cover
No account fee for 12 months on a business's first account, then £10 a montha euro account, cash deposits
BarclaycardCredit card · no deposits held
Select Cashback: £0 a yearcard cashback, cards for your team
BarclaysBank · FSCS cover
Free for 12 months, then £8.50 a montha euro account, a US dollar account, cash deposits, LLPsCompare Barclays and Countingup
Capital on TapCredit card · no deposits held
Free: £0 a yearcard cashback, cards for your team, LLPs
Danske BankBank · FSCS cover
Small Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a montha euro account, cash deposits
Equals MoneyE-money · safeguarded, no FSCS
Business: £25 a month (£250 a year)cards for your team, a euro account, a US dollar account
HSBCBank · FSCS cover
£0 a monthcash deposits, cards for your team, LLPsCompare HSBC and Countingup
LloydsBank · FSCS cover
Free for 12 months for businesses new to Lloyds, then £10 a montha euro account, cash depositsCompare Lloyds and Countingup
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 switchersa euro account, a US dollar account, cash deposits, LLPs
MettleBank · FSCS cover
No fee for maintaining the accountcash depositsCompare Mettle and Countingup
Monzo BusinessBank · FSCS cover
Lite: freecash deposits, cards for your teamCompare Monzo Business and Countingup
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 depositsCompare NatWest and Countingup
PayhawkE-money · safeguarded, no FSCS
Growth program: £149 a monthcards for your team
PleoE-money · safeguarded, no FSCS
Start: £8 per user a monthcards for your team, a euro account, a US dollar account
Revolut BusinessBank · FSCS cover
Basic: £10 a montha euro account, a US dollar account, cards for your teamCompare Revolut Business and Countingup
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
SantanderBank · FSCS cover
Free for 12 months for start-ups and switchers, then £9.99 a monthcash deposits, LLPsCompare Santander and Countingup
SoldoE-money · safeguarded, no FSCS
Standard: £27 a month + VATcards for your team, a euro account, a US dollar account
StarlingBank · FSCS cover
£0 a montha euro account, a US dollar account, cash deposits, LLPsCompare Starling and Countingup
Co-op BankBank · FSCS cover
£0 a monthcash deposits, LLPs
TideBank · FSCS cover
Lite: £0 a monthcard cashback, cash depositsCompare Tide and Countingup
TSBBank · FSCS cover
Free for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)cash deposits
Virgin MoneyBank · FSCS cover
25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a monthcard cashback, cash deposits, LLPs
Wise BusinessE-money · safeguarded, no FSCS
No subscription or monthly feea euro account, a US dollar accountCompare Wise Business and Countingup
WorldFirstE-money · safeguarded, no FSCS
£0 a monthcard cashback, a euro account, a US dollar account, cards for your team
Zempler BankBank · FSCS cover
Business Go: £0 a monthcard cashback, cash deposits, cards for your teamCompare Zempler Bank and Countingup

What Countingup does well

Before you move, check that you won't lose something you use. Countingup 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 CountingupWork 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 149 sources