ComparisonLast checked 8 November 2026

Incard vs Barclaycard: which suits your business?

Incard is an e-money account that pays uncapped cashback on eligible card spend on a £0 plan, with team cards and GBP, EUR and USD IBANs. Business credit cards from Barclays for UK businesses with turnover between £10,000 and £6.5 million: Select Cashback with no annual fee, and Premium Plus with a £150 fee, 0% on purchases for six months and a lower FX fee.

By the editorial team. How we make money.

Incard suits you if

You spend thousands a month on cards, especially on advertising, software or travel
You want a euro account, which Barclaycard doesn't list
You want a US dollar account, which Barclaycard doesn't list
You want accounts for LLPs, which Barclaycard doesn't list
You're comfortable with safeguarding instead of FSCS cover

Barclaycard suits you if

You want a business credit card with no annual fee and spend £2,000 or more a month on it
You want 0% on purchases for the first six months (Premium Plus)
You pay in foreign currencies and would pay £150 a year for a 0.99% FX fee
You want to add free cardholders and set spending controls

Why we pick Incard over Barclaycard for card spend

Card cashback: Incard: Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped. Barclaycard: Select Cashback 1% uncapped in months with £2,000+ spend; Premium Plus 0.5%, up to £400 a year.
Currencies you can hold: Incard: GBP, EUR and USD, with IBANs. Barclaycard: Not listed.
Card payments in other currencies: Incard: 1.8% on Free, 1.5% on Grow and Plus. Barclaycard: 2.99% on Select Cashback; 0.99% on Premium Plus.

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

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At a glance

**Table notes:** correct as of 8 November 2026, from each provider's own pages listed under Sources. “Not listed” means the provider's pages we checked don't say.
	Incard	Barclaycard
Type and protection	E-money · safeguarded, no FSCS	Credit card · no deposits held
Who can open one	UK sole traders, UK limited companies, LLPs, Swiss GmbHs and AGs and Swiss sole traders	UK sole traders and UK limited companies
Cheapest plan	Free: £0 a month	Select Cashback: £0 a year
Plans (monthly)	Free £0, Grow £49, Plus from £199	Select Cashback £0, Select charge card £42, Premium Plus £150 a year
Card cashback	Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped	Select Cashback 1% uncapped in months with £2,000+ spend; Premium Plus 0.5%, up to £400 a year
Card payments in other currencies	1.8% on Free, 1.5% on Grow and Plus	2.99% on Select Cashback; 0.99% on Premium Plus
Domestic transfers	100 included on Free, 250 on Grow, then £0.30 each	Not listed
International transfers	3 included on Grow; otherwise from £5 (SHA) or £20 (OUR)	Not listed
ATM withdrawals	2% in the UK, 2.5% abroad	3% (minimum £3) per cash withdrawal, plus interest
Cash deposits	Not listed	Not listed
Currencies you can hold	GBP, EUR and USD, with IBANs	Not listed
Accepting card payments	Not listed	Not listed

Where they differ

Based on what each provider lists on its own pages. If a feature isn't listed, check with the provider before you rule it out.

Only Incard lists a euro account, a US dollar account, accounts for LLPs, accounts for Swiss GmbHs and AGs and accounts for Swiss sole traders.

What each one is, and who can open one

Incard

Incard Ltd is authorised by the FCA as an electronic money institution (firm reference number 1027309). It is not a bank. Safeguarded: Incard keeps customer funds separate from its own money, in accounts with authorised credit institutions, and doesn't lend or invest them. Funds are not protected by the FSCS.

Who can open one: UK limited companies and LLPs, UK sole traders and freelancers registered with their local authority, and Swiss GmbH, AG and sole-trader businesses. EEA onboarding is paused until an expected restart in 2027. Public sector bodies, cooperatives, charities, foundations and trusts aren't accepted, and a long list of industries is restricted. Full Incard profile.

Barclaycard

Barclaycard is a trading name of Barclays Bank PLC, authorised by the PRA and regulated by the FCA and the PRA (Financial Services Register number 122702). A credit or charge card from a lender: you borrow from Barclays Bank PLC and repay it, and the card doesn't hold your deposits, so FSCS deposit protection doesn't apply to a card balance.

Who can open one: UK-based business owners and directors, including sole traders, with directors and employees aged 18 or over and business turnover (or a new-business plan) between £10,000 and £6,500,000 a year. You and the business mustn't be bankrupt, existing credit must have been managed well for the last 12 months, and you can't have been declined for a Barclaycard commercial card in the last six months. Full Barclaycard profile.

Our e-money vs bank account guide explains what safeguarding and FSCS cover mean if a provider fails.

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

Open an Incard account

Check the eligibility rules first.

E-money · safeguarded, no FSCS

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