GuideLast checked 8 November 2026

ZKB alternatives

A CHF business account from Zürcher Kantonalbank, sold to SMEs and start-ups in the KMU-Package with two accounts, two Visa Debit cards and eBanking, free in the first year. 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 ZKB profile.

Why Incard is our pick instead of ZKB

Incard lists a £0 plan, which ZKB's pages don't
Incard lists card cashback, which ZKB's pages don't
Incard lists cards for your team, which ZKB'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. ZKB: 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 ZKB's don't.
Account	Cheapest plan	Lists, unlike ZKB	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 ZKB
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	Compare Airwallex and ZKB
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	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 ZKB
UBSBank · esisuisse cover	Free for the first year, then CHF 20 a quarter	Nothing extra listed	Compare UBS and ZKB
ValiantBank · esisuisse cover	Business Set Basis: free	Nothing extra listed
yapealE-money · safeguarded, no FSCS	Free: CHF 0 a month	card cashback, cards for your team	Compare yapeal and ZKB

What ZKB does well

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

You want a cantonal state guarantee on top of esisuisse cover
You make many payments: 600 electronic transactions a month are free
You deposit cash at ZKB branches or machines
You want card terminals from your bank

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 ZKB 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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