Provider profileLast checked 8 November 2026
Payhawk
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.
- Cheapest plan
- Growth program: £149 a month
- Available in
- UK, Switzerland and other countries
- Your money
- E-money · safeguarded, no FSCS
What it is
In the UK, payment services and cards are provided by Payhawk Financial Services Limited (company number 14060082), authorised by the FCA as an electronic money institution (firm reference number 987096). The platform is run by Payhawk Limited (company number 11747263).
How your money is protected
Safeguarded, not FSCS: funds are held with a third-party bank, separate from Payhawk's own accounts. The Payhawk payment account isn't a bank account and the FSCS doesn't apply.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
Corporate customers only: Payhawk isn't available to UK micro-enterprises (fewer than 10 staff and turnover or balance sheet up to €2 million) or small charities. The Growth program is for single-entity businesses in the UK or EEA with fewer than 20 employees.
Headline fees
| Fee | Detail |
|---|---|
| Growth program | £149 a month for 24 months: 10 cards, 10 seats, 15 invoices and 15 reimbursements a month, 1 entity |
| Modules (priced in US dollars) | Travel from $299, Accounts Payable $349, Cards & Expenses $449, Procurement $499 a month |
| Card payments in a foreign currency | 1.99% |
| ATM withdrawals | Debit card 0.5% (minimum £2); credit card 2.99% (minimum £5) |
| Physical card delivery | £10 |
| Chargeback | £25 |
| Setup or implementation | No fee |
Limits worth knowing
- The Growth program doesn't include procure-to-pay, multi-entity management, budget tracking or add-ons.
- Beyond the Growth program, prices are quoted per business, and contracts are usually annual or multi-year.
- Credit cards and the credit line are optional and not priced on the pricing page.
How it compares
- Incard vs PayhawkFees, cashback, foreign currency, protection and eligibility side by side.
- Payhawk alternativesAccounts to look at if Payhawk doesn't cover what you need.
Payhawk against other accounts
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 PayhawkWork 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 Payhawk'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.