iwoca

iwoca ltd

About this app

Reward everyday spend and smooth your business cash flow with the iwoca Credit Card. Download the iwoca Credit Card app today.

Get 1% cashback on all spending
Pay no interest for up to 42 days
Zero FX, annual or late payment fees
Access up to £250,000 credit limit
See real time spending information with our easy-to-use app
Full card control at your fingertips
Trusted by thousands of businesses


1% cashback on all spending
Get rewarded instantly every time you use your iwoca Credit Card with cashback that’s automatically applied to your balance.

No interest for up to 42 days
Smooth cashflow and pay no interest when you repay in full and on time.

Zero FX, annual or late payment fees
We like to keep things simple, which means you don’t have to pay an annual fee for your card and we won’t charge you extra when you spend abroad or miss a payment.

Access up to £250,000 credit limit
Get the funds your business needs quickly and backed by iwoca’s trusted financial expertise. Pay for day-to-day expenses, big business costs, or smooth cash flow.

See your spending clearly
Track every transaction as it happens. Monitor your balance and review purchases in real time, so your business finances are always transparent and easy to understand.

Full card control at your fingertips
Misplaced your card? Freeze it instantly in the app. Change or view your PIN securely whenever you need. It's everything you need to manage your card, all in one place.

Trusted by thousands of UK businesses
iwoca is a trusted name in business finance, with a 4.8 Trustpilot score from over 10,000 reviews. We've helped thousands of small businesses across the UK to keep their cash flow steady and feel confident about their finances.

What’s new

We're improving the app experience for you.
We've now added details on how to make a payment in-app, along with some other bug fixes and improvements.