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Card & Current

GuideLast checked 8 November 2026

Multi-currency business accounts

If you get paid or pay suppliers in euros or dollars, an account that holds those currencies saves you converting every payment. Here's which accounts list them.

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 multi-currency account lets you receive and hold euros or dollars and pay in them without converting to pounds each time. The accounts below list a euro or US dollar account on their own pages.

Incard gives you GBP, EUR and USD IBANs on its £0 plan, with £5,000 a month of currency exchange at the interbank rate. If you need many more currencies, Wise Business or Revolut Business list more.

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
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
Danske BankCompare with IncardSmall Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a monthNot listedBank · FSCS cover
Equals MoneyCompare with IncardBusiness: £25 a month (£250 a year)Not listedE-money · safeguarded, no FSCS
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
Migros BankCompare with IncardCHF 3 a monthBusiness Card has a turnover bonus programme; rate not listedBank · esisuisse cover
PleoCompare with IncardStart: £8 per user a monthOn Optimise, for eligible customers; rate not listedE-money · safeguarded, no FSCS
PostFinanceCompare with IncardCHF 5 a monthNot listedBank · esisuisse cover
Revolut BusinessCompare with IncardBasic: £10 a monthNone listed for Revolut Business; up to 1% on Revolut Pro for sole tradersBank · FSCS cover
SoldoCompare with IncardStandard: £27 a month + VATNot listedE-money · safeguarded, no FSCS
StarlingCompare with Incard£0 a monthNot listedBank · FSCS cover
UBSCompare with IncardFree for the first year, then CHF 20 a quarterNot listedBank · esisuisse cover
ValiantCompare with IncardBusiness Set Basis: freeNot listedBank · esisuisse 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
yapealCompare with IncardFree: CHF 0 a monthOn Grow and Business, depending on transaction volume; rate not listedE-money · safeguarded, no FSCS
ZKBCompare with IncardFree for the first year, then CHF 7 a monthNot listedBank · esisuisse 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.

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