Altitude ROI Calculator
The Altitude ROI Calculator shows your upside a year with Altitude, the global business account with corporate cards. Your upside is your FX savings plus your extra cashback. See the hours your team gets back too.
Your upside a year with Altitude
Your upside a year with Altitude: $44,829, FX savings plus extra cashback, compared with banks and business cards in the United Kingdom. About 46 hours saved a month.Startup. FX savings plus extra cashback, compared with banks and business cards in the United Kingdom.
- FX savingsOn $1,200,000 a year, compared with banks$28,200
- Extra cashbackCompared with the average business card in the United Kingdom$16,629
Hours saved a month
About 46 hours saved a month.- Finance team
- 28 hours
- Each person in finance
- 14 hours
- Cardholders
- 18 hours
- Hours saved a year
- 552 hours
These are estimates. See how they add up below.
How the FX savings are calculated
Banks in the United Kingdom
A year, on $1,200,000
| Cost | Markup | A year |
|---|---|---|
| FX markupBank benchmark | 2.75% | $33,000 |
With Altitude
A year, on $1,200,000
| Cost | Markup | A year |
|---|---|---|
| FX markupOver the mid-market rate | 0.4% | $4,800 |
Saved with Altitude
A year, on $1,200,000
| Result | Saved |
|---|---|
| FX savings$33,000 − $4,800 | $28,200 |
$100,000 a month × 12 = $1,200,000 a year. Each cost is worked out a month and multiplied by 12.
Banks there typically charge 2.75% and up to 3.34%, from Lloyds’, NatWest’s, Barclays’ and Santander’s published FX margins on business international payments of about $10,000, with their payment fees (Lloyds FX margins (opens in a new tab), Lloyds charges (opens in a new tab), NatWest FX rates (opens in a new tab), NatWest international transfers (opens in a new tab), Barclays (opens in a new tab), Santander UK (opens in a new tab)). The calculator uses the typical figure. Data from 2026 price lists, checked on November 3, 2026.
How the extra cashback is calculated
With Altitude
A year, on $2,400,000
| Category | Rate | Cashback |
|---|---|---|
| Travel$720,000 | 2% | $14,400 |
| Cloud, AI & SaaS$1,200,000 | 1.5% | $18,000 |
| Everything else$480,000 | 1% | $4,800 |
| Total$2,400,000 | $37,200 |
Business cards in the United Kingdom
A year, on $2,400,000
| Card | Rate | Cashback |
|---|---|---|
| Average publishedAverage of 7 cards | 0.86% | $20,571 |
| Best publishedHighest of 7 cards | 1% | $24,000 |
Extra with Altitude
A year, on $2,400,000
| Compared with | Extra |
|---|---|
| The average card$37,200 − $20,571 | $16,629 |
| The best card$37,200 − $24,000 | $13,200 |
Your current card cashback starts at the average published rate in the United Kingdom. Change it to compare with your own card.
See the 7 cards for the United Kingdom
- Capital on Tap, Capital on Tap Business Credit Card (opens in a new tab)1%
- Barclaycard, Select Cashback Business Credit Card (opens in a new tab)Months with £2,000+ of spend.1%
- Santander UK, Business Cashback Credit Card (opens in a new tab)1%
- Funding Circle, Cashback business credit card (opens in a new tab)Ongoing rate, after the first six months.1%
- Virgin Money UK, Business Credit Card (opens in a new tab)1%
- NatWest, Business Plus Credit Card (opens in a new tab)Up to £600 a year.0.5%
- Lloyds Bank, Business Credit Card (opens in a new tab)Billing cycles with £2,000+ of spend.0.5%
Base cashback on everyday spend, from each issuer’s page or a comparison site, checked on November 2, 2026.
We assume your card spend splits 50% cloud, AI and SaaS, 30% travel, and 20% everything else.
How the hours are calculated
Cardholders
A month
| Task | Each | Hours |
|---|---|---|
| Receipts matched250 purchases | 4.4 min | 18 hours |
| TotalCardholders | 18 hours |
Finance team
A month
| Task | Each | Hours |
|---|---|---|
| Receipts matched250 purchases | 2 min | 8 hours |
| Bills read and routed50 bills | 4.5 min | 4 hours |
| Month-end close and reconciliation2 people | 8 h | 16 hours |
| Total2 people | 28 hours |
Hours saved
Both teams
| Period | Hours |
|---|---|
| A month18 + 28 | 46 hours |
| A year46 × 12 | 552 hours |
| Each person in finance28 ÷ 2, a month | 14 hours |
We assume 5 card purchases per cardholder a month, and 8 hours back at month-end for each person in finance.
One business account for your entire operation.
- Accounts Your USD and EUR account for doing business everywhere. Get paid, hold funds, and move money globally from one account.
- Payments Better way to pay across borders. Send through local networks, SWIFT, and stablecoin rails.
- Cards and spend management Spend everywhere with Altitude Card. Issue unlimited virtual cards with built-in spend controls.
- Multi-entity One workspace for every entity. Manage your businesses and move money between them.
- Bill pay Pay bills without the back and forth. Manage approvals and pay vendors in one flow.
- Invoicing Get paid on time. Track what’s owed and keep payments connected.
- Accounting Close your books without the manual work. Capture receipts and sync transactions automatically.
Your upside adds two things. FX savings are what your bank’s FX markup would cost on your yearly FX volume, minus Altitude’s markup on the same volume. Extra cashback is Altitude’s cashback on your card spend a month, over a year, minus what the average business card in your country pays on the same spend, or a typical business card at 1.25% in the United States.
The benchmark is the typical FX markup that traditional banks in your country charge a business on an international transfer. Each figure comes from large traditional banks’ own business price lists and transfer rate sheets. Where we found no published figure for a country, the calculator uses the average of the verified figures for other countries and says so. The high end of the bank range is shown beside it. Sources are linked under the FX breakdown.
Each card purchase saves 6.4 minutes, because Altitude matches the receipt to the transaction. Each bill saves the finance team 4.5 minutes, because Altitude reads its details and routes it for approval. The minutes come from published industry research. Each person in finance also gets about a day back at month-end, 8 hours of close and reconciliation, so the hours grow with your finance team.
Cashback is paid monthly into your card balance no later than 15 days after month-end. It accrues on settled, qualifying purchases.
Pay globally,
from one account.
USD and EUR accounts, global payments, and corporate cards in one global business account.