Number of Seats/Users: INCHARGE offers discounts based on the number of users or seats. A higher volume typically leads to a better discount structure, especially for enterprise-level usage.

Commitment to a Long-Term Contract: Discounts are often provided to companies that commit to using the service for a longer period (e.g., 1-year or 3-year contracts). A longer commitment shows INCHARGE that the company is serious and willing to invest in the platform long-term.

No Active Discounts: Companies that are not already receiving other active discounts may have a better chance of qualifying for additional discounts from INCHARGE. INCHARGE reserves discounts for new customers or those not currently under promotional pricing.

Volume or Usage Commitment: INCHARGE offers discounts if you agree to a minimum amount of usage or transaction volume. This could be based on data storage, transactions, or other metrics tied to how much you will use the platform.

Enterprise-Level Negotiation: Companies that qualify as “enterprise” due to their size or complexity (e.g., having large teams, multiple departments, or geographical presence) may be eligible for additional discounts from INCHARGE. Such companies are often in a position to negotiate for better pricing.

Early Renewal or Prepayment: INCHARGE often offers discounts if you renew early or prepay for the entire contract period. This is a common approach to securing a lower price.

Here at Spendbase our internal data shows that INCHARGE is seen as a lean, low‑cost everyday money tool that people actually enjoy using, but there are some clear feature gaps and geographic limits to keep in mind.

Key positives our Spendbase clients highlight

1) Ease of use & design
– Clean, minimal interface
– Simple onboarding (even with banking/KYC in the background)
– “I don’t need to understand anything” is a recurring sentiment

2) Costs & payments
– Very low or no fees on most operations
– No FX fees and good transfer pricing are strong value drivers
– Easy wallet top‑ups (though methods are limited)
– Good for daily spend, bill splitting, and hiding some purchases from main bank accounts

3) Cards & app features
– Virtual card and easy card controls (block, change PIN)
– Apple Pay support is loved where available
– Face/biometric login is appreciated for both comfort and safety

4) Support & trust
– Fast, responsive support in multiple languages
– Perceived as reliable and safe
– Positive sentiment around social/eco initiatives (support for students/Ukrainians)

Main friction points and missing pieces

1) Payments & geography
– Apple Pay is missing in several key markets (Portugal, France, Spain)
– Restrictions from non‑EU locations
– Some card acceptance and SWIFT/IBAN limitations

2) Features clients wish they had
– Spending analytics / budgeting dashboard
– More currencies and local accounts (SEK, NOK, separate virtual-card account)
– Direct debits, account statements
– APY / yield, cashback, insurance on cards

3) UX friction
– Occasional slow app load or long send/top‑up times
– Repeated authentication or session expiry without biometrics
– Identity/KYC capture (passport photos) feels a bit tedious

4) Positioning & transparency
– Some Spendbase clients say it’s hard to understand exactly:
– When to use INCHARGE vs their main bank
– What the exact conversion, transfer, and withdrawal rates are

How this maps to savings potential

From a Spendbase discount specialist view, INCHARGE already performs very well on:
– Reducing fees on everyday payments and FX
– Providing a low-friction card and wallet for personal and light business use

The biggest opportunities to unlock even more value for our clients would be:
– Expanding country and Apple Pay coverage
– Adding multi-currency, budgeting, and yield/cashback features
– Making pricing and limits radically transparent inside the app