Free tool · Last checked 8 November 2026
Which Incard plan costs least for your currency exchange?
Every Incard plan includes a monthly allowance of currency exchange at the interbank rate: £5,000 on Free, £15,000 on Grow and from £25,000 on Plus. Above it, Incard charges 0.6%. Enter your monthly volume to see the FX fee and plan fee together.
Runs in your browser. Simple arithmetic, not a forecast. We may earn a commission if you open an Incard account through the link on this page.
For £10,000 a month, Incard Free costs least: £30 a month
That includes £30 of FX fees on the amount above the £5,000 allowance.
| Plan | Plan fee | Interbank allowance | FX fee | Total |
|---|---|---|---|---|
| Free | £0 | £5,000 | £30 | £30 |
| Grow | £49 | £15,000 | £0 | £49 |
| Plus | from £199 | from £25,000 | £0 | £199 |
Before you apply
Incard holds GBP, EUR and USD, and also pays cashback on eligible card spend, which this table leaves out. It is an e-money institution, not a bank, so your balance is safeguarded rather than FSCS-protected. It onboards UK and Swiss businesses outside its restricted industries; check with the eligibility rules first.
Affiliate link: we may earn a commission if you open an Incard account through this link. It never affects our verdicts.
What this leaves out
- Card spending abroad. Incard charges 1.8% on foreign-currency card payments on Free and 1.5% on Grow and Plus.
- Out-of-hours exchange. Outside market hours the fee above the allowance is 1%.
- Transfer fees. International transfers outside your allowance cost at least £5 (SHA) or £20 (OUR).
- Yearly billing. Incard says yearly billing saves 15%; Plus is from £169 a month billed yearly.
To see what your card spending would earn on each plan, use the cashback calculator.
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.