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Shawbrook Bank VS CardOneMoney: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Shawbrook Bank or CardOneMoney better for your small business?



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Below we look at both Shawbrook Bank and CardOneMoney reviews on Trustpilot along with their App reviews from Apple and Google.

We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.

Shawbrook Bank Homepage
Shawbrook Bank Homepage


CardOneMoney Homepage
CardOneMoney Homepage
 

Shawbrook Bank vs CardOneMoney Trustpilot Reviews

Shawbrook BankCardOneMoney
Trustpilot Review Score (out of 5)4.74.6
Percent 5-Star Reviews85%85%
Percent 1- Star Reviews7%9%
Total Number of Reviews10,747798
Sources:
https://www.trustpilot.com/review/www.shawbrook.co.uk
https://www.trustpilot.com/review/cardonemoney.com

Shawbrook Bank vs CardOneMoney App Reviews

Shawbrook BankCardOneMoney
iPhone Review Score (out of 5)No Rating2.7
Number of iPhone ReviewsNo Reviews61
Android Review Score (out of 5)No Rating3.9
Number of Android ReviewsNo Reviews200
Sources:
https://www.apple.com/uk/app-store/
https://apps.apple.com/gb/app/card-one-money/id1133870045

Shawbrook Bank vs CardOneMoney Account Fees & Charges

Shawbrook BankCardOneMoney
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account FeeFree£12.50
Most Expensive Monthly Account Fee£12£25
Electronic Payment Cost (in/out)FreeFree
Cash Payments Cost (in/out)Free£1.50
Cheques (in/out)Free£5
CHAPS Payments Cost£35£30
SEPA Payments CostNoNo

Shawbrook Bank vs CardOneMoney Business Savings Rates

Shawbrook BankCardOneMoney
Types of Business Savings AccountsEasy Access, Fixed Rate, Notice AccountsNone
Lowest Savings Rate (AER)3.66%NA
Maximum Savings Rate (AER)5.03%NA
Minimum Savings Amount£1,000NA
Interest Paid On Foreign CurrenciesNoYes
 

Shawbrook Bank vs CardOneMoney Account Opening Times

Shawbrook BankCardOneMoney
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
5 Working days3 hours
Do They Check Your Credit?YesNo
Current Account Switch ServiceNoNo

Shawbrook Bank vs CardOneMoney Features & Account Types

Shawbrook Bank Account Types
Shawbrook Bank Features & Account Types


CardOneMoney Account Types
CardOneMoney Features & Account Types


Shawbrook BankCardOneMoney
Business Current AccountNoYes
Business Savings AccountYesNo
Business Credit CardYesNo
Business OverdraftYesNo
Accounts For StartupsYesYes
Accounts For CharitiesYesNo
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesNo
Card TypeNoneMastercard
Online BankingYesYes
Mobile BankingNoYes
In Person/Branch BankingNoNo
Branch LocationsLimited locations accross the UKNone, online only

Shawbrook Bank vs CardOneMoney Customer Support Options

Shawbrook BankCardOneMoney
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoYes
Web Based SupportYesYes
In person Customer SupportNoNo

Shawbrook Bank vs CardOneMoney Foreign Currency Accounts

Shawbrook BankCardOneMoney
US Dollar (USD) Bank AccountsNoYes
Euro (EUR) Bank AccountsNoYes
Other Currencies Available:No
  • United States Dollar (USD)
  • Euro (EUR)
  • Japanese Yen (JPY)
  • Chinese Yuan (CNY)
  • Swiss Franc (CHF)
  • Canadian Dollar (CAD)
  • Australian Dollar (AUD)
  • New Zealand Dollar (NZD)

Other Business Services From Shawbrook Bank and CardOneMoney

Shawbrook Bank Account Types
Other Shawbrook Bank Services


CardOneMoney Account Types
Other CardOneMoney Services


Shawbrook BankCardOneMoney
Business LoansYesYes
Commercial MortgagesYesYes
Invoice FinancingYesYes
International PaymentsYesYes
Merchant Payment ServicesYesNo
Card MachinesNoNo
Free Accounting SoftwareNoNo

Shawbrook Bank vs CardOneMoney Banking Basics

Shawbrook BankCardOneMoney
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number204574504547
WebsiteShawbrook Bank WebsiteCardOneMoney Website

Common Comparison Questions

Does Shawbrook Bank or CardOneMoney have better customer reviews?

Shawbrook Bank scores 4.7 out of 5 based 10,747 Trustpilot reviews. Of these reviews 85% are 5-star and 7% are 1-star.

Whereas, CardOneMoney scores 4.6 out of 5 based 798 Trustpilot reviews. Of which 85% are 5-star and 9% are 1-star.

Does Shawbrook Bank or CardOneMoney have a better App?

Shawbrook Bank’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.

In comparison, CardOneMoney’s iPhone App is rated 2.7 out of 5 based on 61 reviews. And it’s Android App is rated 3.9 out of 5 based on 200 reviews.

Does Shawbrook Bank or CardOneMoney have better business savings rates?

Shawbrook Bank offers the following types of business savings accounts: Easy Access, Fixed Rate, Notice Accounts with interest rates ranging from 3.66% to 5.03%. (AER)

In contrast, CardOneMoney offers None accounts with interest rates ranging from NA to NA (AER).

See Other Comparisons:
Shawbrook Bank vs Fair Everywhere
Shawbrook Bank vs Countingup
Shawbrook Bank vs State Bank of India (UK)
Shawbrook Bank vs Charity Bank
Shawbrook Bank vs Cumberland Building Society


For other business bank accounts see our guide here.

 



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