ComparisonLast checked 8 November 2026

Incard vs PostFinance: 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. A Swiss bank business account in CHF for companies, sole proprietors, associations and foundations based in Switzerland.

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 £0 plan, which PostFinance doesn't list
You want card cashback, which PostFinance doesn't list
You want a US dollar account, which PostFinance doesn't list
You're comfortable with safeguarding instead of FSCS cover

PostFinance suits you if

You want a Swiss bank account with esisuisse depositor protection
You mainly pay in CHF within Switzerland
You're an association or foundation, which Incard doesn't accept

Why we pick Incard over PostFinance 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. PostFinance: Not listed.
Currencies you can hold: Incard: GBP, EUR and USD, with IBANs. PostFinance: CHF, plus EUR and other currency accounts from CHF 2 a month.
Card payments in other currencies: Incard: 1.8% on Free, 1.5% on Grow and Plus. PostFinance: 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

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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	PostFinance
Type and protection	E-money · safeguarded, no FSCS	Bank · esisuisse cover
Who can open one	UK sole traders, UK limited companies, LLPs, Swiss GmbHs and AGs and Swiss sole traders	Swiss GmbHs and AGs and Swiss sole traders
Cheapest plan	Free: £0 a month	CHF 5 a month
Plans (monthly)	Free £0, Grow £49, Plus from £199	CHF 5 a month
Card cashback	Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped	Not listed
Card payments in other currencies	1.8% on Free, 1.5% on Grow and Plus	Not listed
Domestic transfers	100 included on Free, 250 on Grow, then £0.30 each	Up to 60,000 Swiss transactions a year included
International transfers	3 included on Grow; otherwise from £5 (SHA) or £20 (OUR)	Not listed
ATM withdrawals	2% in the UK, 2.5% abroad	Not listed
Cash deposits	Not listed	Not listed
Currencies you can hold	GBP, EUR and USD, with IBANs	CHF, plus EUR and other currency accounts from CHF 2 a month
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 card cashback, a US dollar account, cards for your team, accounts for UK sole traders, accounts for UK limited companies and accounts for LLPs.

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.

PostFinance

A business account from PostFinance Ltd, a Swiss bank. Swiss depositor protection, run by esisuisse, covers up to CHF 100,000 per customer, with all accounts at the same bank added together.

Who can open one: Sole proprietorships, self-employed people, startups, SMEs, limited companies (GmbH and AG), associations and foundations based in Switzerland that mainly make payments in CHF. Full PostFinance 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