ComparisonLast checked 8 November 2026

Incard vs ZKB: 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 CHF business account from Zürcher Kantonalbank, sold to SMEs and start-ups in the KMU-Package with two accounts, two Visa Debit cards and eBanking, free in the first year.

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Incard suits you if

You spend thousands a month on cards, especially on advertising, software or travel
You want a £0 plan, which ZKB doesn't list
You want card cashback, which ZKB doesn't list
You want cards for your team, which ZKB doesn't list
You're comfortable with safeguarding instead of FSCS cover

ZKB suits you if

You want a cantonal state guarantee on top of esisuisse cover
You make many payments: 600 electronic transactions a month are free
You deposit cash at ZKB branches or machines
You want card terminals from your bank

Why we pick Incard over ZKB 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. ZKB: Not listed.
Currencies you can hold: Incard: GBP, EUR and USD, with IBANs. ZKB: CHF; foreign-currency current accounts, including EUR, USD and GBP.
Card payments in other currencies: Incard: 1.8% on Free, 1.5% on Grow and Plus. ZKB: 1.25%, up to CHF 1.50 per Visa Debit transaction.

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

We may earn a commission if you apply.

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	ZKB
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	Free for the first year, then CHF 7 a month
Plans (monthly)	Free £0, Grow £49, Plus from £199	Firmenkonto CHF 7 a month; KMU-Package free in the first year
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	1.25%, up to CHF 1.50 per Visa Debit transaction
Domestic transfers	100 included on Free, 250 on Grow, then £0.30 each	600 electronic transactions a month free, then CHF 0.20
International transfers	3 included on Grow; otherwise from £5 (SHA) or £20 (OUR)	SEPA within the free allowance; other payments abroad CHF 4
ATM withdrawals	2% in the UK, 2.5% abroad	Free at ZKB and other cantonal bank ATMs, CHF 2 at other Swiss ATMs, CHF 5 abroad
Cash deposits	Not listed	CHF notes free at ZKB machines and counters; coins 3% at the counter
Currencies you can hold	GBP, EUR and USD, with IBANs	CHF; foreign-currency current accounts, including EUR, USD and GBP
Accepting card payments	Not listed	EFT/POS terminals and e-commerce payments offered (ZKB Ready); price 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, cards for your team, accounts for UK sole traders, accounts for UK limited companies and accounts for LLPs.
Only ZKB lists cash deposits and card payments from customers.

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.

ZKB

Zürcher Kantonalbank is an independent public-law institution of the Canton of Zurich (UID CHE-108.954.607), licensed as a bank by FINMA under the Swiss Banking Act. Deposits are covered by esisuisse up to CHF 100,000 per customer per bank, with all accounts added together. The Canton of Zurich also guarantees ZKB's liabilities, except subordinated ones, if the bank's own funds are not enough.

Who can open one: Companies based in Switzerland, associations and federations. ZKB's company-founding pages cover AG, GmbH and sole proprietorships (Einzelfirma) and point founders to the KMU-Package. Domiciliary companies and firms domiciled abroad pay a higher account fee. Full ZKB 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

Work out your cashback Check eligibility

Apply for Incard on incard.co

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

Visit ZKB

More: ZKB alternatives, all comparisons.

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.

Show all 14 sources

Quick verdict