Provider profileLast checked 8 November 2026
Countingup
An app-based business account with bookkeeping, invoicing and tax tools built in, for UK sole traders and small limited companies, priced by how much you pay in each month.
- Cheapest plan
- Free for 3 months, then £5 a month while you pay in up to £750 a month
- Available in
- UK
- Your money
- Bank · FSCS cover
What it is
Counting Ltd (company number 10729748) runs the Countingup app. New Countingup accounts (sort code 04-36-15) are provided by Griffin Bank Ltd (company number 10842931), authorised by the PRA and regulated by the FCA and PRA (FRN 970920). Cards are issued by Transact Payments Limited, regulated by the Gibraltar Financial Services Commission.
How your money is protected
Eligible deposits in Griffin-provided accounts are protected up to £120,000 per depositor by the FSCS. Older accounts with sort code 23-69-72 are e-money accounts with PrePay Technologies Ltd: safeguarded, not FSCS.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
UK-resident sole traders and directors of limited companies aged 18 or over, with a smartphone and a UK mobile number. Companies must be active, limited by shares, have up to two directors, UK-resident PSCs and no corporate shareholders. Partnerships, charities, CICs, CIOs, trusts and companies limited by guarantee aren't accepted.
Headline fees
| Fee | Detail |
|---|---|
| Monthly subscription | £5 for £0 to £750 paid in a month, £12 up to £7,500, £20 above that; 3-month free trial |
| Transfers in or out and Direct Debits | 3 free a month, then 27p each |
| Card payments in a foreign currency | 3% |
| ATM withdrawals | £1 each |
| Replacement card | £5 |
| Dormancy or administration fee | £15 |
| Tax pot interest | 1.45% variable |
Limits worth knowing
- Balances are capped at £300,000 for sole traders and £1,000,000 for limited companies.
- Payments in and out are capped at £30,000 a day (£100,000 for limited companies) and £240,000 a month (£800,000).
- There's no IBAN or international bank transfer; Countingup points you to CurrencyFair. Post Office cash deposits and CHAPS are listed as coming soon, and cheques can't be paid in.
- Customers who joined before 3 August 2026 with sort code 23-69-72 stay on older pricing.
How it compares
- Incard vs CountingupFees, cashback, foreign currency, protection and eligibility side by side.
- Countingup alternativesAccounts to look at if Countingup doesn't cover what you need.
Countingup against other accounts
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- Countingup vs Santander
See all the accounts we've researched.
Our pick for card spendIncard: 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.
Read Incard vs CountingupWork out your cashbackCheck eligibility
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
Check Countingup's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
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.
- Countingup: Pricing
- Countingup: Eligibility
- Countingup: How account and transaction fees work
- Countingup: Is my money safe?
- Countingup: Limited company account limits
- Countingup: Sole trader account limits
- Countingup: Depositing cash
- Countingup: Sending or receiving international payments
- Countingup: Card payments with Stripe