> For the complete documentation index, see [llms.txt](https://legal.incard.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://legal.incard.co/fee-schedule/business-fees-free.md).

# Business Fees - Free

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.

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Pricing and plan features can change. Check [Incard pricing](https://www.incard.com/pricing) for the latest details.
{% endhint %}