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Card & Current

GuideLast checked 8 November 2026

Payhawk alternatives

A spend management platform with Visa debit and credit cards, expenses, bill payments, travel and procurement, priced by module. For companies larger than micro-enterprises. If it doesn't fit, here are 38 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 Payhawk profile.

Why Incard is our pick instead of Payhawk

  • Incard lists a £0 plan, which Payhawk's pages don't
  • Incard lists card cashback, which Payhawk's pages don't
  • Incard lists a euro account, which Payhawk's pages don't
  • Incard lists a US dollar account, which Payhawk's pages don't
  • Incard lists accounts for UK sole traders, which Payhawk's pages don't
  • Incard lists accounts for UK limited companies, which Payhawk's pages don't
  • Incard lists accounts for LLPs, which Payhawk's pages don't
  • Incard lists accounts for Swiss GmbHs and AGs, which Payhawk's pages don't
  • Incard lists accounts for Swiss sole traders, which Payhawk'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. Payhawk: 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 Payhawk's cheapest plan, at your monthly spend on ads, software and travel.

£2,388 a year better off with Incard

£600£0-£1,788Today6 months12 months
  • Incard Free: £600 cashback, £0 fees
  • Payhawk's cheapest plan: no cashback, £1,788 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. Payhawk's cheapest plan: Growth program: £149 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 Payhawk's don't.
AccountCheapest planLists, unlike PayhawkCompare
IncardOur pick for card spend
Free: £0 a monthcard cashback, a euro account, a US dollar account, UK sole traders, UK limited companies, LLPs, Swiss GmbHs and AGs, Swiss sole tradersCompare Incard and Payhawk
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, UK limited companies, Swiss GmbHs and AGs
Allica BankBank · FSCS cover
£0 a month with an average balance of £10,000 or more; otherwise £25 a monthcard cashback, UK limited companies, bank deposit protection
AmexCredit card · no deposits held
Business Gold: £195 a year (£0 in the first year)UK sole traders, UK limited companies, LLPs
ANNAE-money · safeguarded, no FSCS
Free: £0 a month, pay for what you useinvoicing, UK sole traders, UK limited companies
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, card payments from customers, UK sole traders, UK limited companies, bank deposit protection
BarclaycardCredit card · no deposits held
Select Cashback: £0 a yearcard cashback, UK sole traders, UK limited companies
BarclaysBank · FSCS cover
Free for 12 months, then £8.50 a montha euro account, a US dollar account, cash deposits, UK sole traders, UK limited companies, LLPs, bank deposit protection
BCVBank · esisuisse cover
SME banking pack: CHF 4 a month, free for the first year for companies less than two years oldcash deposits, card payments from customers, Swiss GmbHs and AGs, bank deposit protection
Capital on TapCredit card · no deposits held
Free: £0 a yearcard cashback, UK limited companies, LLPs
CountingupBank · FSCS cover
Free for 3 months, then £5 a month while you pay in up to £750 a monthcard payments from customers, invoicing, UK sole traders, UK limited companies, bank deposit protection
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, UK sole traders, UK limited companies, 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 monthcash deposits, UK sole traders, UK limited companies, LLPs, bank deposit protection
LloydsBank · FSCS cover
Free for 12 months for businesses new to Lloyds, then £10 a montha euro account, cash deposits, card payments from customers, UK sole traders, UK limited companies, 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 switchersa euro account, a US dollar account, cash deposits, invoicing, UK sole traders, UK limited companies, LLPs, bank deposit protection
MettleBank · FSCS cover
No fee for maintaining the accountcash deposits, invoicing, UK sole traders, UK limited companies, bank deposit protection
Migros BankBank · esisuisse cover
CHF 3 a montha euro account, a US dollar account, cash deposits, Swiss GmbHs and AGs, Swiss sole traders, bank deposit protection
Monzo BusinessBank · FSCS cover
Lite: freecash deposits, invoicing, UK sole traders, UK limited companies, 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, UK limited companies, bank deposit protection
PleoE-money · safeguarded, no FSCS
Start: £8 per user a montha euro account, a US dollar account, UK limited companiesCompare Pleo and Payhawk
PostFinanceBank · esisuisse cover
CHF 5 a montha euro account, Swiss GmbHs and AGs, Swiss sole traders, bank deposit protection
Revolut BusinessBank · FSCS cover
Basic: £10 a montha euro account, a US dollar account, card payments from customers, UK limited companies, 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, UK limited companies, bank deposit protection
SantanderBank · FSCS cover
Free for 12 months for start-ups and switchers, then £9.99 a monthcash deposits, card payments from customers, UK sole traders, UK limited companies, LLPs, bank deposit protection
SoldoE-money · safeguarded, no FSCS
Standard: £27 a month + VATa euro account, a US dollar account, UK limited companiesCompare Soldo and Payhawk
StarlingBank · FSCS cover
£0 a montha euro account, a US dollar account, cash deposits, card payments from customers, UK sole traders, UK limited companies, LLPs, bank deposit protection
Co-op BankBank · FSCS cover
£0 a monthcash deposits, card payments from customers, UK sole traders, UK limited companies, LLPs, bank deposit protection
TideBank · FSCS cover
Lite: £0 a monthcard cashback, cash deposits, UK sole traders, UK limited companies, 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, UK limited companies, bank deposit protection
UBSBank · esisuisse cover
Free for the first year, then CHF 20 a quartera euro account, a US dollar account, cash deposits, Swiss GmbHs and AGs, Swiss sole traders, bank deposit protection
ValiantBank · esisuisse cover
Business Set Basis: freea euro account, cash deposits, card payments from customers, Swiss GmbHs and AGs, Swiss 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 monthcard cashback, cash deposits, card payments from customers, UK sole traders, UK limited companies, LLPs, bank deposit protection
Wise BusinessE-money · safeguarded, no FSCS
No subscription or monthly feea euro account, a US dollar account, UK sole traders, UK limited companies
WorldFirstE-money · safeguarded, no FSCS
£0 a monthcard cashback, a euro account, a US dollar account, UK sole traders, UK limited companies
yapealE-money · safeguarded, no FSCS
Free: CHF 0 a monthcard cashback, a euro account, Swiss GmbHs and AGs, Swiss sole traders
Zempler BankBank · FSCS cover
Business Go: £0 a monthcard cashback, cash deposits, card payments from customers, invoicing, UK sole traders, UK limited companies, bank deposit protection
ZKBBank · esisuisse cover
Free for the first year, then CHF 7 a montha euro account, a US dollar account, cash deposits, card payments from customers, Swiss GmbHs and AGs, Swiss sole traders, bank deposit protection

What Payhawk does well

Before you move, check that you won't lose something you use. Payhawk 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 PayhawkWork 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.

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