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FP·EDITORIAL · VOL. III · ISSUE 14 · UNITED KINGDOM · MAY 2026 last sweep 2026-05-14 · 1 programs scored · 0 defunct

Business banking · United Kingdom

methodology v3.2 · audited apr '26

iso 27001 · CompaniesHouse #OC4451x

Rank

Ranked number 5

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

Revolut Business

FCACompaniesHouse
Commission
20% gross-profit share over 2 years OR £20-£500 CPA per funded business
Cookie
30d
12m EPC
$2.10
Payout rel.
90
Clawback
60d
Revolut Business is the only UK SMB programme with a 2-year revshare window plus a high one-shot CPA option — the compounding economics suit founder-audience content. EPC v1 lands at $2.10 ranked #5, but year-2 revshare extends outside the 12-month projection and the true 24-month EPC on a retained business customer is materially higher.

Pros

  • 20% gross-profit revshare over 2 years is the only multi-year compounding structure in the UK cohort
  • Per-account CPA option up to £500 for high-volume publishers — flexibility no other programme offers
  • Pan-European reach (UK + EEA + US + Singapore + AU) opens cross-border content angles
  • Trustpilot 4.3/5 with ~220,000 reviews is the cohort's highest review volume by an order of magnitude
  • UK bank licence mobilisation underway — FSCS coverage anticipated by end of 2026

Cons

  • FSCS still not active for UK Revolut Business customers through mobilisation phase
  • Own-brand paid-search competes with affiliate cookies — attribution_factor 0.85 reflects this
  • First-month-billed clawback delays affiliate payout vs cohort-typical immediate CPA

† 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
$100.00
cookie_decay
0.55
attribution_factor
0.85
reliability_factor
0.90
conversion_rate_estimate
0.05
payment_threshold_friction
1.0
12m true-EPC (computed)
$2.10
relative grade (vs top in cell)
B− · 40/100

Adjacent · same cell

Rank

Ranked number 1

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

Capital on Tap

FCACompaniesHouse

Rank

Ranked number 2

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

Allica Bank

FCACompaniesHouse

Rank

Ranked number 4

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

Wise Business

FCACompaniesHouse

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 2026-05-18

last sweep 2026-05-22

methodology v3.2 · audited apr '26

Companies House #OC4451x