Reviews

Capital On Tap Fees and Rates: What to Check

By Afshin · 25 March 2026 · 5 min read · Updated 2026-07-28

Capital On Tap advertises no annual, foreign-exchange or ATM fees on its standard business card. APR and other costs depend on your offer, transactions and agreement. This guide explains what the issuer advertises and where to check your applicable terms; it is not a substitute for the current card agreement.

Annual Fee

The issuer advertises no annual fee for its standard business credit card. Check the current product page and your card agreement for the terms that apply to your account.

Interest Rate (APR)

The issuer advertises rates as low as 13.86% variable APR. This is the lowest advertised rate, not a representative or guaranteed rate. Your personalised rate appears in your offer and may be higher.

Interest may apply when you carry a balance. Check the agreement for the applicable rate, interest calculation and payment conditions before using the card.

Foreign-Exchange and ATM Fees

The issuer currently advertises no foreign-exchange or ATM fees. Check the card agreement for the exchange-rate method, transaction treatment and any account-specific terms. No advertised ATM fee does not establish that all cash transactions are interest-free.

Cash Transactions

The issuer's current product page says it has no ATM fees, but cash transactions may have different limits or interest treatment from ordinary purchases. Check the current agreement before making a cash withdrawal or cash-equivalent transaction.

Late Payment Fee

The issuer's product page does not state a late-payment amount. Check your current agreement and statement for any charge, interest and consequences that apply. A reminder may help you pay on time, but it does not change the agreement.

Returned Payment Fee

Any charge or interest for a returned payment is governed by the current card agreement. Check the agreement and account information rather than relying on an unverified fee amount.

Total Cost of Ownership for a Typical UK Business

The advertised lack of an annual fee does not mean every customer's total borrowing cost is £0. Compare your personalised APR, planned use, rewards and the full agreement. The cost of carrying a balance or making cash transactions may differ from ordinary card purchases.