How we rate, and how we make money
No black boxes. Every product scores out of ten across the same five things, set before any commercial deal.
Cost
Fees, charges and FX — anything that quietly eats your money.
Rewards
What you get back, and how easy it is to use.
Flexibility
Limits, controls and extra cards.
Support
How fast you reach a human, and how good they are.
Eligibility
How likely you are to be accepted.
Who we are
Happy Wallets is a small, independent guide to business money for the people who run UK limited companies — not for the banks that sell to them. We started it because comparing business cards and accounts is needlessly murky, and we wanted a plainer one.
Advertiser & affiliate disclosure
Some links on this site are affiliate links. If you open a product through one, the provider may pay us a commission. It never costs you more than going direct, and it never changes our scores, our ranking, or what we say. Commercial links are marked accordingly.
Privacy, briefly
We keep data collection to a minimum and never sell your information. If we add anything that collects your details, we'll explain exactly what we do with it where you sign up.