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Card & Current

GuideLast checked 8 November 2026

Business accounts for UK limited companies

Every account below accepts UK limited companies. They differ on what they charge, whether they pay cashback and how your money is protected.

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 EUR and USD IBANs alongside GBP
  • You're a UK LLP or sole trader, or a Swiss GmbH, AG or sole trader
  • You're comfortable with safeguarding instead of FSCS cover

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(opens incard.co in a new tab, affiliate link)

We may earn a commission if you apply.

A limited company needs its own account in the company's name. Most providers ask for the company to be registered at Companies House and for the directors and significant owners to verify their identity.

Incard accepts UK limited companies on its £0 Free plan, with cashback on eligible card spend. Its eligibility article sets out who it can't accept.

The accounts

Table notes: correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked.
AccountCheapest planCard cashbackType and protection
IncardOur pick for card spendFree: £0 a monthFree: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. UncappedE-money · safeguarded, no FSCS
AirwallexCompare with IncardExplore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)Not listedE-money · safeguarded, no FSCS
Allica BankCompare with Incard£0 a month with an average balance of £10,000 or more; otherwise £25 a month1%, rising to 1.5% after £10,000 of card spend in a monthBank · FSCS cover
ANNACompare with IncardFree: £0 a month, pay for what you useNot listedE-money · safeguarded, no FSCS
Bank of ScotlandCompare with IncardNo account fee for 12 months on a business's first account, then £10 a monthNot listedBank · FSCS cover
BarclaysCompare with IncardFree for 12 months, then £8.50 a monthNot listedBank · FSCS cover
CountingupCompare with IncardFree for 3 months, then £5 a month while you pay in up to £750 a monthNot listedBank · FSCS cover
Danske BankCompare with IncardSmall Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a monthNot listedBank · FSCS cover
HSBCCompare with Incard£0 a monthNot listedBank · FSCS cover
LloydsCompare with IncardFree for 12 months for businesses new to Lloyds, then £10 a monthNot listed for the debit cardBank · FSCS cover
Metro BankCompare with Incard£8 a month, or £0 in any month your balance stays at £6,000 or more; 12 months fee-free for businesses new to Metro Bank, 31 months for full switchersNot listedBank · FSCS cover
MettleCompare with IncardNo fee for maintaining the accountNot listedBank · FSCS cover
Monzo BusinessCompare with IncardLite: freeNot listedBank · FSCS cover
NatWestCompare with IncardNo monthly fee; 2 years' free everyday banking for start-ups (turnover up to £1 million) and full switchers (turnover up to £2 million)Not listedBank · FSCS cover
Revolut BusinessCompare with IncardBasic: £10 a monthNone listed for Revolut Business; up to 1% on Revolut Pro for sole tradersBank · FSCS cover
RBSCompare with IncardNo monthly fee; 2 years of free everyday banking for start-ups (turnover under £1m) and full-switch customers (turnover up to £2m)Not listedBank · FSCS cover
SantanderCompare with IncardFree for 12 months for start-ups and switchers, then £9.99 a monthNot listed for the debit card; 1% on the separate Business Cashback Credit Card, which has an annual feeBank · FSCS cover
StarlingCompare with Incard£0 a monthNot listedBank · FSCS cover
Co-op BankCompare with Incard£0 a monthNot listedBank · FSCS cover
TideCompare with IncardLite: £0 a month0.5%, up to £200 a month, on Max onlyBank · FSCS cover
TSBCompare with IncardFree for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)Not listedBank · FSCS cover
Virgin MoneyCompare with Incard25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a month0.35% on the debit card, up to £500 a year per cardBank · FSCS cover
Wise BusinessCompare with IncardNo subscription or monthly feeNot listedE-money · safeguarded, no FSCS
WorldFirstCompare with Incard£0 a monthUp to 1.2% on eligible World Card spend, uncappedE-money · safeguarded, no FSCS
Zempler BankCompare with IncardBusiness Go: £0 a monthUp to 0.5% on Extra, up to 1% on Pro, tiered by monthly spend, max £1,000 a monthBank · FSCS cover

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
IncardOur pick for card spend

Incard: 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.

E-money · safeguarded, no FSCS

Work out your cashbackCheck eligibility

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

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

More: all guides, comparisons, how Incard cashback works.

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 125 sources