Rank

Business banking · Full UK PRA/FCA-licensed bank (closed broker / accountant channel)

Allica Bank

Item: Allica Bank
Rating: 5.0
Author: Maren Holst

FCACompaniesHouse

Commission: Negotiated per-customer commission (broker / accountant channel; estimated £100-£300)
Cookie: 30d
12m EPC: $5.94
Payout rel.: 85
Clawback: 60d

Allica Bank's introducer programme is the cohort's premium-CPA play — £100-£300 per onboarded customer against the £1M-£100M turnover ICP that Tide / Starling / Revolut cannot serve. EPC of $5.94 ranks #2; the channel-restriction reliability haircut reflects that closed broker / accountant channels carry higher access friction than open networks, not payout risk.

Pros

Targets the established-SMB segment ignored by the rest of the UK cohort — premium per-customer value
FSCS-covered (full PRA/FCA bank licence) with combined deposit + lending product surface
Estimated £100-£300 negotiated CPA is the cohort's premium tier
Trustpilot 4.6/5 with ~1,900 reviews — clean reputation among established-SMB customers
Companies House #07706156 + FCA FRN 821547 surfaced publicly — clean UK trust-band

Cons

Closed broker / accountant channel — most content publishers cannot access
Narrow audience (£1M-£100M turnover) — does not convert for sole-trader or micro-business content
Negotiated rates not publicly documented — onboarding friction for new partners

† Long-form review body pending — editorial expansion scheduled for the next Issue sweep.

Annex · How we scored it

Every factor, every value, every note.

base_payout: $254.00
cookie_decay: 0.55
attribution_factor: 1.00
reliability_factor: 0.85
conversion_rate_estimate: 0.05
payment_threshold_friction: 1.0
12m true-EPC (computed): $5.94
relative grade (vs top in cell): A · 100/100

full methodology v3.2

Adjacent · same cell

Rank

Business banking · Card-led SMB lender + business charge card with Avios rewards

Capital on Tap

FCACompaniesHouse

Rank

Business banking · UK EMI multi-currency (cross-border specialist)

Wise Business

FCACompaniesHouse

Rank

Business banking · UK + EEA multi-currency (EMI, full UK bank licence in mobilisation)

Revolut Business

FCACompaniesHouse

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 2026-05-18

last sweep 2026-05-22

methodology v3.2 · audited apr '26

Companies House #OC4451x

Editorial signatures and issue metadata