For the complete documentation index, see llms.txt. This page is also available as Markdown.

Business Fees - Free

Free-plan allowances and pricing

Start with the essentials for running your business. Upgrade or add extras as you grow.

Free plan

Subscription

Monthly fee

£0 per month

Business banking

Multi-currency IBANs

3 included

Hold funds in GBP, EUR, and USD.

Additional IBANs cost £12 per month each.

Payments

100 local payments included

Additional local payments cost £0.30 each.

International payments cost at least £5 for SHA. OUR payments cost £20.

You can use SWIFT, SEPA, ACH, and Faster Payments. Bulk, recurring, scheduled, and Incard-to-Incard payments are included.

Safeguarded funds

Your funds are safeguarded.

Global payments and FX

FX allowance

£5,000 per month at the interbank rate

Above this allowance, FX costs 0.6% during market hours. FX costs 1% outside market hours.

International payments

Send money in more than 30 currencies.

Forward contracts cost 0.8% during market hours. They cost 1% outside market hours.

Card payment FX

Card payment FX costs 1.8%.

Cards and cashback

Included cards

  • 5 plastic cards

  • 1 metal card

  • 10 virtual cards

Additional virtual cards cost £2 per card, per month.

Cashback

Cashback is uncapped on eligible debit card spending.

  • Advertising, recurring software, and travel: 1%

  • All other eligible spending: 0.5%

Card features

Cards work in more than 150 currencies. ATM withdrawals are supported.

Domestic ATM withdrawals cost 2%. International ATM withdrawals cost 2.5%.

Auto-matched receipts and Visa perks are included. Apple Pay and Google Pay are coming soon.

Team and permissions

Users

5 users included

Additional users cost £12 per user, per month.

Role-based access, approval rules, smart notifications, and multi-company accounts are included.

Included platform features

The Free plan includes:

  • Accounting tools, including bank feeds and export templates.

  • Spend insights, smart alerts, and sales trend insights.

  • Bank, commerce, payout, and accounting integrations.

  • In-app chat and email support.

  • Mobile app, partner perks, and app integrations.

Chargebacks

Chargebacks cost £25 each.

Pricing and plan features can change. Check Incard pricing for the latest details.

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