Business Plan Limits and Fees

Two plans. No hidden fees. Pick what works for your business.

Business Plan Limits and Fees

Two plans. No hidden fees. Pick what works for your business.

Essential
Free
Plus
£9.90 / month
Essential
Number of Business Account1 (free)
Virtual Cards1 free
Physical Cards£4.90 (one-time fee)
Additional Physical Cards£4.90 (one-time fee)
Incoming payment (GBP)***Up to 10 free; £0.20 per additional transaction
Top up (Debit & Credit Card)3%
Money Transfer within UK***£0.20 per transaction
Money Transfer between RUUT accountsFree
Money Transfer to TürkiyeFirst transfer free £3.90 after
ATM Cash Withdrawal UK****2%
ATM Cash Withdrawal International3%
Payment by Link or CardCheck the POS menu for our POS rates
Team ManagementInvite up to 2 people to your team
Recommended
Plus
Number of Business Account3 (free)
Virtual Cards1 free; above fee £0.50 per card (one-time fee, up to 5)
Physical Cards£4.90 (one-time fee)
Additional Physical Cards£4.90 (one-time fee)
Incoming payment (GBP)***Free
Top up (Debit & Credit Card)3%
Money Transfer within UK***Up to 10 free; £0.20 per additional transaction
Money Transfer between RUUT accountsFree
Money Transfer to TürkiyeFirst transfer free £3.90 after
ATM Cash Withdrawal UK****Up to 3 free; 2% fee per additional withdrawal
ATM Cash Withdrawal International2%
Payment by Link or CardCheck the POS menu for our POS rates
Team ManagementInvite up to 2 people + manage your business across multiple accounts
  • *The customer can use the Plus plan free of charge for the first 31 days after upgrading.
  • **Cards can be linked to any account under the same business profile. The total number of cards requested within one year may be up to 10, consisting of 5 virtual + 5 physical cards.
  • ***The total number of free money transfer transactions for the company profile is limited to 10. This includes all super admins and admins with access to the business account.
  • ****The total number of free ATM withdrawals per month is limited to 3 for the company profile.
RUUT Essential
Free
Recommended
RUUT Plus
£9.90 / month
Your Business Account*
Number of Business Account
1 (free)
3 (free)
Get Your Business Card**
Virtual Cards
1 free
1 free; above fee £0.50 per card (one-time fee, up to 5)
Physical Cards
£4.90 (one-time fee)
£4.90 (one-time fee)
Additional Physical Cards
£4.90 (one-time fee)
£4.90 (one-time fee)
Take Money
Incoming payment (GBP)***
Up to 10 free; £0.20 per additional transaction
Free
Top up (Debit & Credit Card)
3%
3%
Transfer Money
Money Transfer within UK***
£0.20 per transaction
Up to 10 free; £0.20 per additional transaction
Money Transfer between RUUT accounts
Free
Free
Money Transfer to Türkiye
First transfer free £3.90 after
First transfer free £3.90 after
Withdraw Money
ATM Cash Withdrawal UK****
2%
Up to 3 free; 2% fee per additional withdrawal
ATM Cash Withdrawal International
3%
2%
Accept Payments (POS)
Payment by Link or Card
Check the POS menu for our POS rates
Check the POS menu for our POS rates
Manage Your Team
Team Management
Invite up to 2 people to your team
Invite up to 2 people + manage your business across multiple accounts
Get started in minutes — no setup fee.
  • *The customer can use the Plus plan free of charge for the first 31 days after upgrading.
  • **Cards can be linked to any account under the same business profile. The total number of cards requested within one year may be up to 10, consisting of 5 virtual + 5 physical cards.
  • ***The total number of free money transfer transactions for the company profile is limited to 10. This includes all super admins and admins with access to the business account.
  • ****The total number of free ATM withdrawals per month is limited to 3 for the company profile.

Transaction Limits

All limits are per business profile unless stated.

Category
Per Transaction
Daily (24hrs)
Weekly
Monthly
Yearly
Account Deposit (exc. POS earnings) — Total Limit per Company
£1,000,000
£1,000,000
£1,000,000
£1,000,000
£1,000,000
Card Spending — Limit per Card
£10,000
Max 15 transactions and £10,000
Essential: Max 100 txns / £20,000Plus: Max 100 txns / £30,000
Essential: Max 250 txns / £30,000Plus: Max 250 txns / £50,000
Max 600 transactions and £200,000
Incoming Total (Inbound GBP, Inbound Swift, All Top ups) — Total Limit per Company
£1,000,000
£1,000,000
£1,000,000
£1,000,000
£1,000,000
Outgoing Faster Payment — Total Limit per Company
Essential: £25,000Plus: £50,000
Essential: £25,000Plus: £50,000
Essential: £50,000Plus: £100,000
Essential: £100,000Plus: £250,000
Essential: £500,000Plus: £1,000,000
Money Transfer between RUUT accounts — Total Limit per Company
£1,000,000
£1,000,000
£1,000,000
£1,000,000
£1,000,000
Money Transfer to Türkiye — Limit per Company
Min £10, max £10,000
£50,000
£50,000
£50,000
£50,000
ATM Withdrawal — Limit per Card
£200
Max 5 withdrawals and £200
Max 5 withdrawals and £200
Max 30 withdrawals and £500
Max 50 withdrawals and £6,000

Transaction Limits

All limits are applied per business profile unless otherwise stated.

Category
Per Transaction
Daily (24hrs)
Weekly
Monthly
Yearly
Account Deposit (exc. POS earnings) — Total Limit per Company
£1,000,000
£1,000,000
£1,000,000
£1,000,000
£1,000,000
Card Spending — Limit per Card
£10,000
Max 15 transactions and £10,000
Essential: Max 100 txns / £20,000Plus: Max 100 txns / £30,000
Essential: Max 250 txns / £30,000Plus: Max 250 txns / £50,000
Max 600 transactions and £200,000
Incoming Total (Inbound GBP, Inbound Swift, All Top ups) — Total Limit per Company
£1,000,000
£1,000,000
£1,000,000
£1,000,000
£1,000,000
Outgoing Faster Payment — Total Limit per Company
Essential: £25,000Plus: £50,000
Essential: £25,000Plus: £50,000
Essential: £50,000Plus: £100,000
Essential: £100,000Plus: £250,000
Essential: £500,000Plus: £1,000,000
Money Transfer between RUUT accounts — Total Limit per Company
£1,000,000
£1,000,000
£1,000,000
£1,000,000
£1,000,000
Money Transfer to Türkiye — Limit per Company
Min £10, max £10,000
£50,000
£50,000
£50,000
£50,000
ATM Withdrawal — Limit per Card
£200
Max 5 withdrawals and £200
Max 5 withdrawals and £200
Max 30 withdrawals and £500
Max 50 withdrawals and £6,000
READY WHEN YOU ARE

Let's get down to
business

We are making your growth our business. Open an account in minutes and get the tools you need to take payments, manage cash flow, and scale up, all in one place.

Talk to our team
READY WHEN YOU ARE

Let's get down to
business

We are making your growth our business. Open an account in minutes and get the tools you need to take payments, manage cash flow, and scale up, all in one place.

Talk to our team

Your business.
Your life.
Your RUUT.

Your business.
Your life.
Your RUUT.

RUUT

The all-in-one financial partner for UK small businesses.

RUUT is a trading name of Is United Payment Systems Limited, a company registered in England and Wales (Company No. 14364087) with its registered office at Kemp House, 124 City Road, London, United Kingdom, EC1V 2NX. Is United Payment Systems Limited is not authorised or regulated by the Financial Conduct Authority (FCA). The RUUT account is issued by Algbra FS UK Limited, which is authorised and regulated by the FCA under the Electronic Money Regulations 2011 (Firm Reference Number 952360) for the issuing of electronic money. RUUT (Is United Payment Systems Limited) acts as a distributor of Algbra FS UK Limited. Your funds are not covered by the Financial Services Compensation Scheme (FSCS). However, they are held in one or more segregated and safeguarded accounts in accordance with the Electronic Money Regulations 2011. This Visa card is issued by Enfuce UK Ltd pursuant to licence by VISA Europe Limited. Enfuce UK Ltd is authorised and regulated by the Financial Conduct Authority, with the Firm Reference Number 993783.

© 2026 RUUT. All rights reserved.Maxi Digital GmbH is a subsidiary of Is United Payment Systems Limited.

RUUT is a trading name of Is United Payment Systems Limited, a company registered in England and Wales (Company No. 14364087) with its registered office at Kemp House, 124 City Road, London, United Kingdom, EC1V 2NX. Is United Payment Systems Limited is not authorised or regulated by the Financial Conduct Authority (FCA). The RUUT account is issued by Algbra FS UK Limited, which is authorised and regulated by the FCA under the Electronic Money Regulations 2011 (Firm Reference Number 952360) for the issuing of electronic money. RUUT (Is United Payment Systems Limited) acts as a distributor of Algbra FS UK Limited. Your funds are not covered by the Financial Services Compensation Scheme (FSCS). However, they are held in one or more segregated and safeguarded accounts in accordance with the Electronic Money Regulations 2011. This Visa card is issued by Enfuce UK Ltd pursuant to licence by VISA Europe Limited. Enfuce UK Ltd is authorised and regulated by the Financial Conduct Authority, with the Firm Reference Number 993783.

© 2026 RUUT. All rights reserved.Maxi Digital GmbH is a subsidiary of Is United Payment Systems Limited.