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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 4

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

Wise Business

FCACompaniesHouse
Commission
£50 CPA per business account first cross-currency transaction
Cookie
365d
12m EPC
$3.04
Payout rel.
100
Clawback
60d
Wise Business's 365-day Partnerize cookie is the longest in the UK fintech affiliate cohort — combined with the global multi-currency receiving stack, this is the structural default for any UK cross-border SMB content. EPC of $3.04 ranks #4 cohort-wide; the long-tail attribution mechanics suit content where buyers research months before acting.

Pros

  • 365-day cookie window is the cohort ceiling — captures long-tail discovery economics no other UK programme matches
  • Partnerize-managed dashboard with clean attribution + Net 30 payout cadence
  • Trustpilot 4.3/5 with ~235,000 reviews — the highest review volume in UK fintech
  • Global multi-currency receiving stack converts cleanly on cross-border SMB content
  • Reliability is the strongest in the cohort — zero documented affiliate non-payment events across the audit window

Cons

  • EMI permission only — no FSCS coverage (safeguarding via partner banks instead)
  • Requires first cross-currency transaction (not just account funding) to qualify the CPA
  • Wrong fit for purely domestic-GBP SMB audiences — narrower than Tide or Starling

† 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
$64.00
cookie_decay
0.95
attribution_factor
1.00
reliability_factor
1.00
conversion_rate_estimate
0.05
payment_threshold_friction
1.0
12m true-EPC (computed)
$3.04
relative grade (vs top in cell)
B · 58/100

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 5

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

Revolut 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