GuideLast checked 8 November 2026

UBS alternatives

A CHF business current account from UBS for start-ups, sole proprietors and SMEs, opened online as the UBS key4 business package with optional debit, prepaid and credit cards. 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 UBS profile.

Why Incard is our pick instead of UBS

Incard lists a £0 plan, which UBS's pages don't
Incard lists card cashback, which UBS's pages don't
Incard lists cards for your team, which UBS'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. UBS: 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.

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 UBS's don't.
Account	Cheapest plan	Lists, unlike UBS	Compare
IncardOur pick for card spend	Free: £0 a month	card cashback, cards for your team, UK sole traders, UK limited companies, LLPs	Compare Incard and UBS
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, UK sole traders, UK limited companies	Compare Airwallex and UBS
BCVBank · esisuisse cover	SME banking pack: CHF 4 a month, free for the first year for companies less than two years old	card payments from customers
Migros BankBank · esisuisse cover	CHF 3 a month	cards for your team
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	cards for your team
PostFinanceBank · esisuisse cover	CHF 5 a month	Nothing extra listed	Compare PostFinance and UBS
ValiantBank · esisuisse cover	Business Set Basis: free	card payments from customers
yapealE-money · safeguarded, no FSCS	Free: CHF 0 a month	card cashback, cards for your team	Compare yapeal and UBS
ZKBBank · esisuisse cover	Free for the first year, then CHF 7 a month	card payments from customers	Compare ZKB and UBS

What UBS does well

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

You want a large Swiss bank with esisuisse cover and a free first year
You make up to 500 CHF or EUR payments a month
You pay cash in at a UBS counter or Bancomat Plus
You're founding a GmbH or AG and want the capital deposit account included

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 UBS 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.

Show all 57 sources