Capital on Tap

Item: Capital on Tap
Rating: 5.0
Author: Maren Holst

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

† 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: $190.00
cookie_decay: 0.55
attribution_factor: 1.00
reliability_factor: 1.00
conversion_rate_estimate: 0.05
payment_threshold_friction: 1.0
12m true-EPC (computed): $5.23
relative grade (vs top in cell): A · 100/100

full methodology v3.2

Adjacent · same cell

Rank

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

Allica Bank

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