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Incard

Incard

Redefining finance for digital commerce

Website incard.co
Overview

What it is

The financial platform made for ecommerce

Intent

I need it when

Manage multi-currency business operations and international payments efficiently

Incard offers real multi-currency IBANs in GBP, EUR, and USD, interbank FX rates with forward contracts to lock rates, and the ability to send money in 30+ currencies to 154+ destinations. This reduces FX fees and simplifies cross-border payments for e-commerce, agencies, and global teams.

Automate expense tracking and accounting workflows to save time on financial admin

Incard integrates with 2,500+ banks, Shopify, Amazon, Stripe, PayPal, Xero, and QuickBooks. It auto-matches receipts, enriches transaction data with AI, provides spend insights, and enables bulk exports in multiple formats—reducing manual reconciliation and accounting overhead by up to 144 hours per year.

Access flexible payment terms and capital without credit checks

Incard Flex Cards allow users to spend now and pay in 42 days at 0% interest with no credit check, while earning cashback during the payment window. This provides working capital flexibility for high-spend businesses without traditional lending friction.

Scale team spending controls and financial visibility across multiple business entities

Incard supports role-based access, multi-company accounts, custom approval rules, user activity logs, and up to 50+ cards per account (Incard Plus). Teams can manage spending across entities in one panoramic view with smart notifications and detailed spend analytics, enabling better financial governance.

Maximize cashback rewards on business spending while consolidating multiple bank accounts

Incard provides uncapped cashback (1.0–1.5%+) on debit and flex card spend across advertising, SaaS, travel, and other categories. Users can connect 2,500+ banks into one dashboard, automate fund transfers between accounts, and earn higher cashback rates as spending milestones are hit—eliminating manual tracking and spreadsheet juggling.

Drop

Not a fit when

  • User operates outside UK and EU regions, as Incard currently only supports GBP, EUR, and USD multi-currency accounts in these geographies
  • User requires traditional business banking without cashback rewards focus, as Incard is optimized around maximizing cashback earnings
  • User has minimal business spending (under £50k annually), as cashback benefits and plan ROI diminish significantly at low transaction volumes
  • User needs instant account approval without verification, as Incard requires application and approval process (though stated as under 10 minutes)
  • User requires credit-based lending or overdraft facilities, as Incard focuses on debit cards and 0% interest flex cards only
Commercials

Pricing

Freemium with tiered subscription plans. Free plan includes 1.0% cashback. Grow plan (£49/month) offers 1.25% cashback. Incard Plus (from £199/month) offers custom cashback from 1.5%. All paid plans billed yearly with 15% discount; monthly billing available. View pricing