GuideLast checked 8 November 2026

Incard plans: Free, Grow or Plus?

Most businesses should start on Incard's £0 Free plan. Grow and Plus pay higher cashback and bigger FX allowances, and only cover their fee above a certain level of spend. Here's where that level is.

By the editorial team. How we make money.

Start on Free unless your spend is high

Free costs £0 a month and already pays 1% on advertising, software and travel
Grow (£49 a month) adds 0.25 percentage points on those, so it needs high spend to pay off on cashback alone
Grow's £15,000 FX allowance can pay for it sooner if you exchange currency every month
You can upgrade later, once you know what your team actually spends

of advertising, software or travel spend before Grow's extra cashback covers its £49 fee.

£19,600 a month

Apply for Incard on incard.co

We may earn a commission if you apply.

The plans side by side

**Table notes:** correct as of 8 November 2026, from Incard's pricing page and fee schedules. Above the allowance, FX costs 0.6% in market hours (1% outside them). Plus costs from £169 a month billed yearly.
Plan	Free	Grow	Plus
Monthly fee	£0	£49	from £199
FX at the interbank rate	£5,000 a month	£15,000 a month	from £25,000 a month
Card payments in other currencies	1.8%	1.5%	1.5%
Local transfers included	100	250	Not listed
International transfers included	None listed	3	Not listed

**Table notes:** correct as of 8 November 2026, from Incard's pricing page and fee schedules. Plus rates are “from 1.5%” and set per business. The rideshare rate appears on the pricing page but not in the Free fee schedule.
Plan	Advertising	Recurring software	Travel	Rideshare	Everything else
Free (£0 a month)	1%	1%	1%	1.75%	0.5%
Grow (£49 a month)	1.25%	1.25%	1.25%	1.75%	1%
Plus (from £199 a month)	from 1.5%	from 1.5%	from 1.5%	from 1.5%	from 1.5%

When a paid plan pays for itself

**Table notes:** eligible card spend a month at which the plan's extra cashback over Free covers its extra fee, rounded up to the nearest £100. Plus uses its 1.5% floor and its from-price. Simple arithmetic, not a forecast.
Your spend is mostly	Grow pays off from	Plus pays off from
Advertising, software or travel	£19,600 a month	£39,900 a month
Rideshare	Never, on cashback alone	Never, on cashback alone
Everything else	£9,800 a month	£20,000 a month

Cashback isn't the only route. If you exchange currency each month, Grow's £15,000 allowance against Free's £5,000 saves its fee once you exchange about £13,200 a month in market hours. Our FX cost calculator works it out for your volume, and the cashback calculator does the same for your spending mix.

Paid plans also add users, IBANs and API access, which these figures ignore. If you need those, a paid plan can be worth it below the breakeven.

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

Start on Incard's Free 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 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

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.