Rewards Calculator

Enter your estimated average monthly balances

Current account balance *

Your average everyday balance over a month. Counts towards the combined balance used for fees and interest tier.

Savings Pot balance *

Your average Savings Pot balance over a month. Interest is paid on this amount only.

Average combined balance

£50,000.00

Enter your outgoings

Monthly card spend *

You'll earn 1% cashback on every settled card transaction. Once your total card spend before a transaction exceeds £10,000 in a month, you'll earn 1.5% on future transactions.

Monthly outbound Faster Payments *

First 150 per month are free · £0.12 per payment above 150 · Charged monthly in arrears.

Boost your rate

Welcome boost +0.25% for 3 months Add £50k+ within 14 days of welcome email · New customers, first account opened with Allica only CASS switch boost +0.50% for 6 months Full or partial switch via Current Account Switch Service 15+ payments boost +0.50% per month 15+ outbound bank transfers in prior calendar month · Earnable every month

Reward outcomes

Your Savings Pot interest rate, based on what you've told us.

2.83% AER (variable) – your rate right now

Average rate over 12 months Time-limited boosts pro-rated · used to estimate the interest below 2.83%

Base rate only, no boosts selected yet.

Estimated annual interest Paid on your Savings Pot balance

+£849.00

Estimated annual cashbackPaid monthly

+£720.00

FPS fees (annual est. rounded up) 350 payments/month above the free limit

-£504.00

Low balance fee Combined balance meets £10,000 threshold

Not applicable

Combined annual value (est.) +£1,065.00

That's interest and cashback working together, potentially adding real money back into your business every year.

£0 – £20,000	0%
£20,000 – £40,000	1.83% AER
£40,000+	2.83% AER

Criteria	Description
Loan size	£150,000 to £15 million
Repayment type	5-year interest only 5-year partially amortising
Arrangement fee	2.0%
Debt service cover	Commercial: 130% Semi-commercial: 120% Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates.
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years

Criteria	Description
Loan size	£150,000 to £10 million
Repayment type	30 year capital & interest 5-year interest-only available at the start of the loan term for loans up to 75% LTV
Arrangement fee	1.5%
Debt service cover	130% Calculated on the rate not including the current account discount Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Owner-occupied hotels	Loans over 80% of VP value must be fully amortising from day one Personal guarantee to be given for any amount in excess of 70% of VP value

Criteria	Description
Loan size	£200,000 to £15 million
Repayment type	5-year interest only
Arrangement fee	2.0%
Interest cover	130% standard, 145% higher rate taxpayer Gross rent used for residential/ MUFB applications if; evidence of 3 months' loan repayments in cash via bank statements and one UBO/director with Experian Consumer score of 881+ plus a supporting personal guarantee. Otherwise we will use net rent assumption of gross rent minus 10%. HMO properties will always be assessed using gross rent minus 25%
Early repayment charges	5%, 4%, 3%, 2%, 1% (years 1–5)

Criteria	Description
Loan size	£500,000 to £15 million £5 million maximum loan for first time buyers
Repayment type	Capital and interest Experienced operators: 30 years First time operators: 20 years
Arrangement fee	1.5%
Debt service cover	130% adjusted EBITDA for children’s nurseries and experienced care operators 150% adjusted EBITDA for care first-time buyers Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Minimum size	Care homes: 20 bedrooms Specialist care: 4 bedrooms, if one or two properties, and flexible if there are three or more properties Children's nurseries: 40 places
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Specialist care operators	Children’s learning disability care Adult learning disability residential care Adult supported living Minimum of three years as a specialist care home owner-operator required

Criteria	Description
Loan size	£150,000 to £10 million
Maximum loan to value	75% for residential and semi-commercial properties, 70% for commercial
Term	Up to 24 months
Fees	Arrangement fee of 2%, deducted from advance
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Security	First legal charge over freehold or long leasehold title(s)
Insurance	Title insurance and search indemnity applied where possible
Valuations	AVMs and desktop valuations available up to 70%
Interest	Retained or serviced

Criteria	Description
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Cost plan	Cosmetic: Higher of 15% of OMV, or £50,000 per property. Light: Higher of 50% of OMV, or £75,000 per property. Medium: Higher of 100% of OMV, or £100,000 per property.
Monitoring	Cosmetic and Light refurbishment to be monitored by our asset manager. Medium Refurbishment to be monitored by our QS.
Valuations	Full RICS valuation
Interest	Rolled. Rates are fixed and charged daily in arrears
Refurbishment type	Cosmetic: Works to improve speed of letting and compliance with regulations. Examples include redecoration, EPC improver works, compliance with utility regulations, boiler upgrades, modernisation. Light: As with Cosmetic, but higher cost plan. Medium: Loft conversions, reconfigurations, single story extensions, commercial to residential schemes.

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