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Incard

Incard is a UK electronic money institution (FCA FRN 1027309) that provides business accounts and Visa corporate cards. It offers multi-currency accounts in GBP, EUR and USD, money transfers in 28+ currencies, cashback on card spend, and Flex Cards that let businesses pay later. It also offers connected banking, accounting automation and analytics tools.

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Fees from
Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.
Settlement
—
Coverage
2 countries
Payment methods
8
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Incard before signing. Visit Website is an external link; we may earn a commission.

Incard overview

Best for

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.

Incard pricing & fees

Pricing structure

Pricing
Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.
Your business must be registered in
Not disclosed

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Incard settlement & payouts

Payouts

Settlement time
Not collected yet
Settlement currencies
Not collected yet

We haven't collected settlement details for Incard yet. Confirm payout timing and currencies directly with Incard before signing.

Incard API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Incard coverage & payment methods

Supported countries

2 countries
EEAGB

Payment methods

Apple PayBank TransferCorporate CardDebit CardSwiftVirtual AccountVirtual CardVisa

Incard licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

INCARD LTD

United Kingdom

Licenses

E-Money Institution GB

FCA E-Money Institution (UK)

Financial Conduct Authority (UK)

License numbers & register records

1 license number · 1 register record on file for Incard, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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Using ChatGPT or Claude? Ask it to prepare your application to Incard. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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