GuideLast checked 8 November 2026

Danske Bank alternatives

Business current accounts from Danske Bank in Northern Ireland for sole traders, partnerships and limited companies with turnover up to £1m, at £9 a 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 Danske Bank profile.

Why Incard is our pick instead of Danske Bank

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

We may earn a commission if you apply.

What a year of card spending earns you

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

Monthly card spend on ads, software and travel£5,000

£708 a year better off with Incard

Incard Free: £600 cashback, £0 fees
Danske Bank's cheapest plan: no cashback, £108 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. Danske Bank's cheapest plan: Small Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 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 Danske Bank's don't.
Account	Cheapest plan	Lists, unlike Danske Bank	Compare
IncardOur pick for card spend	Free: £0 a month	card cashback, a US dollar account, cards for your team, LLPs, Swiss GmbHs and AGs, Swiss sole traders	Compare Incard and Danske Bank
AirwallexE-money · safeguarded, no FSCS	Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)	card payments from customers, cards for your team, Swiss GmbHs and AGs
Allica BankBank · FSCS cover	£0 a month with an average balance of £10,000 or more; otherwise £25 a month	card cashback, cards for your team
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 use	invoicing
Bank of ScotlandBank · FSCS cover	No account fee for 12 months on a business's first account, then £10 a month	card payments from customers
BarclaycardCredit card · no deposits held	Select Cashback: £0 a year	card cashback, cards for your team
BarclaysBank · FSCS cover	Free for 12 months, then £8.50 a month	a US dollar account, LLPs
Capital on TapCredit card · no deposits held	Free: £0 a year	card cashback, cards for your team, LLPs
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
Equals MoneyE-money · safeguarded, no FSCS	Business: £25 a month (£250 a year)	cards for your team, a US dollar account
HSBCBank · FSCS cover	£0 a month	cards for your team, LLPs
LloydsBank · FSCS cover	Free for 12 months for businesses new to Lloyds, then £10 a month	card payments from customers
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 US dollar account, invoicing, LLPs
MettleBank · FSCS cover	No fee for maintaining the account	invoicing
Monzo BusinessBank · FSCS cover	Lite: free	cards for your team, invoicing
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)	card payments from customers
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	cards for your team
PleoE-money · safeguarded, no FSCS	Start: £8 per user a month	cards for your team, a US dollar account
Revolut BusinessBank · FSCS cover	Basic: £10 a month	a US dollar account, card payments from customers, cards for your team
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)	Nothing extra listed
SantanderBank · FSCS cover	Free for 12 months for start-ups and switchers, then £9.99 a month	card payments from customers, LLPs
SoldoE-money · safeguarded, no FSCS	Standard: £27 a month + VAT	cards for your team, a US dollar account
StarlingBank · FSCS cover	£0 a month	a US dollar account, card payments from customers, LLPs
Co-op BankBank · FSCS cover	£0 a month	card payments from customers, LLPs
TideBank · FSCS cover	Lite: £0 a month	card cashback
TSBBank · FSCS cover	Free for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)	card payments from customers
Virgin MoneyBank · FSCS cover	25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a month	card cashback, card payments from customers, LLPs
Wise BusinessE-money · safeguarded, no FSCS	No subscription or monthly fee	a US dollar account
WorldFirstE-money · safeguarded, no FSCS	£0 a month	card cashback, a US dollar account, cards for your team
Zempler BankBank · FSCS cover	Business Go: £0 a month	card cashback, card payments from customers, cards for your team, invoicing

What Danske Bank does well

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

Your business is based in Northern Ireland with turnover up to £1m
You bank mostly online and want free electronic payments on Small Business Digital
You're new to Danske and can use 2 years without fees
You send euro payments within Europe, which are free on the standard service

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 Danske Bank 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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