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Business
Banking that keeps up with your cash cycle
Multi-currency accounts, bulk payments, four-eyes controls and trade finance — built for a finance team that needs to reconcile, not guess.
Multi-currency, multi-user
Business Current
A current account for companies, with role-based access for your team, bulk payments by CSV, and every posting exportable for your accountant.
- Bulk payments: upload a CSV, validate the batch, execute once
- Role-based access with a four-eyes control on high-value payments
- Standing orders on an RRULE schedule
- Export to CSV, OFX or PDF for any period
- Full posting breakdown on every transaction
15
currencies in one account
Rates & fees
- Monthly maintenance
- 18.00
- Domestic transfer
- Free
- Bulk payment batch
- 0.15 per row
- International payment
- 0.35% spread
Get paid, settle next day
Merchant Services
Card acceptance for online and in-person sales, settling into your ICB business current account the next business day. Disputes are handled in the same dashboard as the rest of your banking.
- Payment links and a hosted checkout for online sales
- In-person acceptance with next-day settlement
- Every settlement reconciled to the individual sale
- Chargeback console with evidence upload and status tracking
- Payouts land in your business current account, not a third-party balance
1.2%
per domestic consumer card transaction
Rates & fees
- Online (consumer cards)
- 1.2% + 0.20
- In-person
- 0.9%
- Settlement
- Free, next day
- Chargeback
- 15.00
Working capital that moves with the shipment
Trade Finance
Letters of credit, documentary collections and invoice finance for importers and exporters, priced against the corridor rather than a flat book rate.
- Letters of credit issued against your facility
- Documentary collections with status at every hop
- Invoice finance up to 85% of the invoice value
- Corridor-specific pricing, quoted per transaction
- Correspondent hops visible on the payment timeline
0.35%
FX spread on trade corridors
Rates & fees
- LC issuance
- 0.75% per quarter
- Documentary collection
- 65.00
- Invoice finance
- from 9.4% APR
Payday, without the spreadsheet panic
Payroll
Salary runs built on the same bulk-payment engine as everything else: upload or build the run, validate every row, approve with four eyes, and schedule it on a rule that survives bank holidays.
- Build a run by CSV or from a saved template
- Every row validated — sort code, account, duplicate — before approval
- Four-eyes approval on the whole run, not row by row
- RRULE scheduling that respects weekends and holidays
- Employees paid by instant internal transfer where they bank with ICB
0.40
per payslip, per run
Rates & fees
- Per payslip
- 0.40
- Scheduled run
- Free
- Same-day run
- 25.00
- Recall of a failed payment
- Free
Term loans and revolving facilities
Business Lending
Borrow against your trading history rather than a form. Term loans to 250,000 and revolving facilities that draw and repay as your cash cycle demands.
- Term loans from 10,000 to 250,000
- Revolving facility with interest on the drawn balance only
- Underwriting factors shown to you, not just to us
- Restructure without a new application
- Repayments allocated fees, interest, then principal
from 7.4%
representative APR
Rates & fees
- Arrangement fee
- 1.5% of facility
- Non-utilisation
- 0.5% per annum
- Early settlement
- 1.0% in year one