Rank
Ranked number 1Business banking · Card-led SMB lender + business charge card with Avios rewards
Capital on Tap
FCACompaniesHouse
No. 14 · Programs sweep · May 2026
Best business banking affiliate programs in United Kingdom, graded.
We graded 8 programs against 12-month true-EPC after clawbacks, payout reliability, attribution honesty, and regulator status. The methodology is public; every score breaks down per-factor. Re-verified every 90 days. No paid placement.
Schedule A · The comparison
Every program, graded.
8 programs scored · 7 verified disclosures · 1 watchlist · 0 defunct
REGULATOR(S): FCA · HMRC · COMPANIES-HOUSE
| Program | Commission | Cookie | Clawback | Regulator(s) | Visit affiliate link | ||||
|---|---|---|---|---|---|---|---|---|---|
| I | Capital on TapBusiness banking · Card-led SMB lender + business charge card with Avios rewards | A100/100 | Approximately £100-£200 CPA per approved Limited Company customer (Awin + direct) | 30d | $5.23 | 100 | 60d | FCACompaniesHouse | visit |
| II | Allica BankBusiness banking · Full UK PRA/FCA-licensed bank (closed broker / accountant channel) | A100/100 | Negotiated per-customer commission (broker / accountant channel; estimated £100-£300) | 30d | $5.94 | 85 | 60d | FCACompaniesHouse | visit |
| IV | Wise BusinessBusiness banking · UK EMI multi-currency (cross-border specialist) | B58/100 | £50 CPA per business account first cross-currency transaction | 365d | $3.04 | 100 | 60d | FCACompaniesHouse | visit |
| V | Revolut BusinessBusiness banking · UK + EEA multi-currency (EMI, full UK bank licence in mobilisation) | B−40/100 | 20% gross-profit share over 2 years OR £20-£500 CPA per funded business | 30d | $2.10 | 90 | 60d | FCACompaniesHouse | visit |
| VI | Anna MoneyBusiness banking · UK SMB neobank with native VAT + HMRC MTD automation | B−37/100 | Approximately £40-£75 CPA per funded account (Awin; £40 entry tier published, negotiated higher) | 30d | $1.91 | 95 | 60d | FCACompaniesHouseHMRC | visit |
| VII | Cashplus BankBusiness banking · Full UK PRA/FCA-licensed bank (Awin, credit-builder card) | B−37/100 | Estimated £40-£75 CPA per funded account (Awin) | 30d | $1.91 | 95 | 60d | FCACompaniesHouse | visit |
| VIII | TideBusiness banking · UK SMB neobank (EMI via ClearBank) | C+34/100 | £50 flat CPA per qualifying new Tide member | 30d | $1.76 | 100 | 30d | FCACompaniesHouseHMRC | visit |
| IX | Starling BusinessBusiness banking · Full UK PRA/FCA-licensed bank (Awin, currently paused/restructuring)· watch | C27/100 | Approximately £30-£60 CPA per funded business account (Awin rate band; programme currently restructuring) | 30d | $1.41 | 90 | 30d | FCACompaniesHouse | visit |
† composite weighting · commission 30 · payout 25 · cookie 15 · e-e-a-t 15 · audience-fit 10 · regulator 5§§ re-verified every 90 days · next sweep 2026-08-12
Rank
Ranked number 2Business banking · Full UK PRA/FCA-licensed bank (closed broker / accountant channel)
Allica Bank
FCACompaniesHouse
Rank
Ranked number 4Business banking · UK EMI multi-currency (cross-border specialist)
Wise Business
FCACompaniesHouse
Rank
Ranked number 5Business banking · UK + EEA multi-currency (EMI, full UK bank licence in mobilisation)
Revolut Business
FCACompaniesHouse
Rank
Ranked number 6Business banking · UK SMB neobank with native VAT + HMRC MTD automation
Anna Money
FCACompaniesHouseHMRC
Rank
Ranked number 7Business banking · Full UK PRA/FCA-licensed bank (Awin, credit-builder card)
Cashplus Bank
FCACompaniesHouse
Rank
Ranked number 8Business banking · UK SMB neobank (EMI via ClearBank)
Tide
FCACompaniesHouseHMRC
Rank
Ranked number 9Business banking · Full UK PRA/FCA-licensed bank (Awin, currently paused/restructuring)
Starling Business
FCACompaniesHouse watchlist
Featured · No. I
Capital on Tap, in depth
Rank
Ranked number 1Business banking · Card-led SMB lender + business charge card with Avios rewards
Capital on Tap
FCACompaniesHouse
- Commission
- Approximately £100-£200 CPA per approved Limited Company customer (Awin + direct)
- Cookie
- 30d
- 12m EPC
- $5.23
- Payout rel.
- 100
- Clawback
- 60d
Capital on Tap pays the highest published affiliate CPA in UK business banking (£100-£200) against a clean Awin-managed programme — the card-led positioning pairs naturally as a 'credit card alongside' recommendation on Tide / Starling / Anna content. EPC of $5.23 anchors the cohort ceiling ($1 ≈ score 100). Avios rewards drive consumer-grade conversion mechanics no neobank in the cohort matches.
Pros
- £100-£200 CPA is the highest published rate in UK business banking — anchors the cohort EPC ceiling
- Avios rewards on a UK business card is unique in the cohort — consumer-grade conversion mechanics
- Trustpilot 4.8/5 with ~7,400 reviews is the cohort's strongest end-user signal
- Card-led product complements rather than competes with banking programmes — full editorial stack
- FCA-authorised consumer credit with clean Awin programme + Net 30 cadence
Cons
- Lending product — FCA CONC affiliate-copy rules tighter than deposit-only programmes
- Limited Companies only — no sole-trader product, audience narrower than Tide / Starling
- Approval-rate friction reduces affiliate-attributable conversion
Annexes
Annex A · Methodology
Rubric weights
- commission economics30%
- payout reliability25%
- cookie + attribution15%
- e-e-a-t / network access15%
- audience fit10%
- regulator coverage5%
Annex B · Defunct archive
Programs we've removed
Programs that stopped paying, restructured into unrecognisable forms, or pulled US support remain catalogued — so the rankings stay honest about what disappeared and why. MyForexFunds (Aug 2023, CFTC action). MFFU (rebrand, Dec 2024).
Annex C · Regulator overlay
What applies in the United Kingdom
- FCA what this means →
- HMRC what this means →
- COMPANIES-HOUSE what this means →
Editorial signatures and issue metadata
Edited by
Maren Holst
Senior Editor
Signed · M.HOLST
Fact-checked by
Asha Devi
Standards Desk (Fact-Checker)
Signed · A.DEVI
Issue meta
vol iii · iss 14
published 2026-03-12
last sweep 2026-05-14
methodology v3.2 · audited apr '26
Companies House #OC4451x