{
  "name": "UK business account comparison data 2026",
  "checked_at": "2026-10-12",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Business Account Referral",
  "fields": ["provider", "plan", "monthly_price", "transfer_allowance", "additional_transfer_fee", "cash_deposit_route_cost", "fx_card_fee", "invoicing_bookkeeping", "protection_model", "signup_offer", "source_url", "checked_at"],
  "rows": [
    {"provider":"Tide","plan":"Free","monthly_price":"£0","transfer_allowance":"5/month","additional_transfer_fee":"Plan terms apply","cash_deposit_route_cost":"Partner network; per-deposit fee","fx_card_fee":"2.75% international card FX","invoicing_bookkeeping":"3 invoices/month; accounting integrations","protection_model":"ClearBank bank account or PPS e-money; protection depends on account","signup_offer":"REFER200 — up to £200 cashback","source_url":"https://www.tide.co/pricing/","checked_at":"2026-10-12"},
    {"provider":"Starling Business","plan":"Standard","monthly_price":"£0 sole trader / £7 limited company","transfer_allowance":"Unlimited","additional_transfer_fee":"Provider terms apply","cash_deposit_route_cost":"Post Office; per-deposit fee","fx_card_fee":"Provider terms apply","invoicing_bookkeeping":"Invoicing and accounting integrations","protection_model":"UK bank; FSCS on eligible deposits","signup_offer":"None tracked","source_url":"https://www.starlingbank.com/business-account/","checked_at":"2026-10-12"},
    {"provider":"Monzo Business","plan":"Lite","monthly_price":"£0","transfer_allowance":"Unlimited","additional_transfer_fee":"Provider terms apply","cash_deposit_route_cost":"PayPoint; per-deposit fee","fx_card_fee":"Plan-dependent","invoicing_bookkeeping":"Tax tools and integrations; paid tiers add features","protection_model":"UK bank; FSCS on eligible deposits","signup_offer":"None tracked","source_url":"https://monzo.com/business-banking","checked_at":"2026-10-12"},
    {"provider":"Revolut Business","plan":"Basic","monthly_price":"£0","transfer_allowance":"Plan allowance","additional_transfer_fee":"Plan-dependent","cash_deposit_route_cost":"No regular cash-deposit route","fx_card_fee":"Multi-currency; plan-based FX limits","invoicing_bookkeeping":"Invoicing and accounting integrations","protection_model":"Confirm current safeguarding or FSCS model","signup_offer":"Varies","source_url":"https://www.revolut.com/business/","checked_at":"2026-10-12"},
    {"provider":"Mettle","plan":"Standard","monthly_price":"£0","transfer_allowance":"Unlimited","additional_transfer_fee":"Provider terms apply","cash_deposit_route_cost":"Post Office; fee","fx_card_fee":"UK-first account","invoicing_bookkeeping":"Invoicing and integrations","protection_model":"NatWest-backed bank model; confirm eligibility","signup_offer":"None tracked","source_url":"https://www.mettle.co.uk/","checked_at":"2026-10-12"},
    {"provider":"ANNA Money","plan":"Pay As You Go","monthly_price":"£0","transfer_allowance":"Capped on PAYG","additional_transfer_fee":"Plan-dependent","cash_deposit_route_cost":"No regular cash-deposit route","fx_card_fee":"UK-first; compare international pricing","invoicing_bookkeeping":"Invoicing and tax administration","protection_model":"Confirm current provider and protection model","signup_offer":"None tracked","source_url":"https://anna.money/","checked_at":"2026-10-12"},
    {"provider":"Wise Business","plan":"Standard","monthly_price":"£0 + one-off £45 setup","transfer_allowance":"Unlimited","additional_transfer_fee":"Provider terms apply","cash_deposit_route_cost":"No cash-deposit route","fx_card_fee":"Multi-currency balances","invoicing_bookkeeping":"Invoicing and integrations","protection_model":"Safeguarded","signup_offer":"None tracked","source_url":"https://wise.com/gb/business/","checked_at":"2026-10-12"},
    {"provider":"Cashplus","plan":"Business Go","monthly_price":"£0","transfer_allowance":"Unlimited","additional_transfer_fee":"Provider terms apply","cash_deposit_route_cost":"Post Office/PayPoint; fee","fx_card_fee":"UK-first account","invoicing_bookkeeping":"Basic","protection_model":"UK bank model; FSCS eligibility applies","signup_offer":"None tracked","source_url":"https://www.cashplus.com/business/","checked_at":"2026-10-12"},
    {"provider":"HSBC Kinetic","plan":"Kinetic","monthly_price":"£0; eligibility applies","transfer_allowance":"Unlimited","additional_transfer_fee":"Provider terms apply","cash_deposit_route_cost":"Branch and Post Office","fx_card_fee":"UK bank pricing","invoicing_bookkeeping":"Accounting integrations","protection_model":"UK bank; FSCS on eligible deposits","signup_offer":"None tracked","source_url":"https://www.hsbc.co.uk/business-banking/kinetic/","checked_at":"2026-10-12"}
  ]
}