ComparisonLast checked 8 November 2026

Incard vs WorldFirst: 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 free multi-currency e-money account for UK businesses that trade internationally, with receiving accounts in 20+ currencies, per-payment fees and a cashback card. Not a bank.

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 accounts for LLPs, which WorldFirst doesn't list
You're comfortable with safeguarding instead of FSCS cover

WorldFirst suits you if

You get paid by overseas marketplaces or clients in several currencies
You pay suppliers abroad and want a fixed fee per payment
You spend on a card in foreign currencies you already hold
You're happy with safeguarded e-money rather than a bank deposit

Why we pick Incard over WorldFirst 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. WorldFirst: Up to 1.2% on eligible World Card spend, uncapped.
Currencies you can hold: Incard: GBP, EUR and USD, with IBANs. WorldFirst: 20+, including GBP, EUR, USD, PLN, TRY, JPY and CNH.
Card payments in other currencies: Incard: 1.8% on Free, 1.5% on Grow and Plus. WorldFirst: No fee in 15 major currencies from a matching balance; otherwise WorldFirst's rate.

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	WorldFirst
Type and protection	E-money · safeguarded, no FSCS	E-money · safeguarded, no FSCS
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	£0 a month
Plans (monthly)	Free £0, Grow £49, Plus from £199	No plans: free account, no monthly fee
Card cashback	Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped	Up to 1.2% on eligible World Card spend, uncapped
Card payments in other currencies	1.8% on Free, 1.5% on Grow and Plus	No fee in 15 major currencies from a matching balance; otherwise WorldFirst's rate
Domestic transfers	100 included on Free, 250 on Grow, then £0.30 each	£0.31 per GBP payment to the UK
International transfers	3 included on Grow; otherwise from £5 (SHA) or £20 (OUR)	SEPA £0.27, USD to the US £0.77, other currencies £4.62 to £23.00, plus FX up to 0.50%
ATM withdrawals	2% in the UK, 2.5% abroad	2%, minimum £1
Cash deposits	Not listed	Not listed
Currencies you can hold	GBP, EUR and USD, with IBANs	20+, including GBP, EUR, USD, PLN, TRY, JPY and CNH
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 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.

WorldFirst

World First UK Limited (company number 05022388) is authorised by the FCA as an electronic money institution (FRN 900508). It is part of Ant International and is not a bank. Safeguarded, not FSCS: WorldFirst keeps customer funds separate from its own money in dedicated safeguarding accounts with banking partners and doesn't use them for lending or investing.

Who can open one: Businesses only: the account is a commercial tool and can't be used for personal purposes. The UK onboarding guides cover limited companies registered at Companies House, applied for by a director, and sole traders. Some industries fall outside WorldFirst's scope. Full WorldFirst 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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