GuideLast checked 8 November 2026

Valiant alternatives

Business account packages from a Swiss bank for self-employed people and SMEs, with a free Basis set and paid sets that add accounts, bookings and Debit Mastercards. 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 Valiant profile.

Why Incard is our pick instead of Valiant

Incard lists card cashback, which Valiant's pages don't
Incard lists a US dollar account, which Valiant's pages don't
Incard lists cards for your team, which Valiant'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. Valiant: 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 Valiant's don't.
Account	Cheapest plan	Lists, unlike Valiant	Compare
IncardOur pick for card spend	Free: £0 a month	card cashback, a US dollar account, cards for your team, UK sole traders, UK limited companies, LLPs	Compare Incard and Valiant
AirwallexE-money · safeguarded, no FSCS	Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)	cards for your team, UK sole traders, UK limited companies
BCVBank · esisuisse cover	SME banking pack: CHF 4 a month, free for the first year for companies less than two years old	Nothing extra listed
Migros BankBank · esisuisse cover	CHF 3 a month	a US dollar account, 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
UBSBank · esisuisse cover	Free for the first year, then CHF 20 a quarter	a US dollar account
yapealE-money · safeguarded, no FSCS	Free: CHF 0 a month	card cashback, cards for your team
ZKBBank · esisuisse cover	Free for the first year, then CHF 7 a month	a US dollar account

What Valiant does well

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

You want a free business account at a Swiss bank with esisuisse cover
You make few bookings, or you'd pay a set fee for unlimited ones
You withdraw cash abroad and want no Valiant ATM fees
You also bank privately with Valiant and could get three years free

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 Valiant 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 52 sources