Cards tracked Directly_Observed
12
Last verified Directly_Observed
20 Apr 2026
Scope Directly_Observed
UK incorporated businesses
Limited companies and LLPs only
| Card | FX fee | Verified | Source | |
|---|---|---|---|---|
 | Capital on Tap Business Credit Card | 0.00% | Capital on Tap | |
 | Funding Circle FlexiPay | 0.00% | Funding Circle | |
 | Funding Circle Cashback Business Credit Card | 0.00% | Funding Circle | |
 | Barclaycard Premium Plus Business Credit Card | 0.99% | Barclaycard | |
 | American Express Business Gold Card | 2.99% | American Express | |
 | American Express Business Platinum Card | 2.99% | American Express | |
 | American Express Basic Business Card | 2.99% | American Express | |
| Barclaycard Select Cashback Business Credit Card | 2.99% | Barclaycard | |
 | HSBC Business Credit Card | 2.99% | HSBC | |
 | Lloyds Bank Business Credit Card | 2.99% | Lloyds | |
 | NatWest Business Credit Card | 2.99% | NatWest | |
 | Santander Business Cashback Credit Card | 2.99% | Santander |
FX fee
Foreign transaction fee benchmarks for UK business credit cards. The FX fee is the cost of spending in a foreign currency — it applies to online purchases in euros or dollars as well as physical overseas spend. Cards with zero FX fees still incur the card scheme's currency conversion spread, which varies by merchant.
Use this data
Downloadable extracts are being prepared. Use the citation block below to reference this dataset in the meantime.
Methodology
Source and verification
FX fee data is sourced from issuer Schedule of Fees and terms and conditions. The figure is the non-sterling transaction fee, not the card-scheme spread. Cards with no FX fee are labelled 0% — the scheme spread still applies to the conversion rate.
How to cite this page
Published · Updated
Data version: v202604
BusinessExpert (2026). UK Business Credit Card FX Fee Dataset: Cost to Spend Abroad, by Issuer. Available at: https://www.businessexpert.co.uk/credit-cards/business-credit-card-fx-fees/ [Accessed 29 April 2026].
Publisher: BusinessExpert
https://www.businessexpert.co.uk/credit-cards/business-credit-card-fx-fees/
Sources used:
- Issuer pre-contract documentation