Compare fuel cards
- Ireland's biggest choice of fuel cards and tariffs
- Texaco, Emo, Top Oil, DCI and more
- Fuel cards offer VAT reclaim invoices, easy expenses admin and price discounts
How iCompario works
We find discount prices
iCompario can find the best fuel card price tariffs, and negotiate discounts that you won’t find anywhere else.
We filter the options
Using the information you give us, we filter fuel card options and get offers and quotes on your behalf.
Get the best fuel cards
If you like the card we recommend, we can help you apply. If not, we’ll discuss all your options with no obligations.
Our purpose is to save you time and money. We are experts at scouring the market, sourcing the best deals and passing them on to you.
Who are we?
iCompario is run by a small team of professionals with industry backgrounds in vehicle tracking, fuel sales, telecoms, financial research, writing and IT which stretch back 25 years. We launched iCompario in 2017 and the original team is still here, but growing fast!
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Best fuel cards small vehicles and small fleets
Frequently asked questions
Fuel cards have two main tariffs that cover how you pay for your diesel and petrol: pump prices and fixed prices.
Pump price is as simple as it sounds. You simply fill up your tank and pay with your fuel card the amount displayed on the pump, as you normally would.
Some cards offer a variation on this, by letting you nominate certain stations where you get a specific discount off the pump price. These discounts are usually pennies, but they add up over time.
Weekly price or Commercial price is a fixed nationwide price, which is set weekly and is based on the wholesale fuel prices.
Each of these two options has its pros and cons.
The upside of paying at the pump is that prices can reduce day by day. The downside is prices can increase day by day.
The good thing about paying a fixed price is that you can plan your fuel costs in advance and manage your costs. The bad thing is that you might pay more than the market value at certain times of the month.
You can buy a range of vehicle-related items with a fuel card. As well as petrol and diesel, you can purchase AdBlue, oils and lubricants. This is great if the AdBlue or oil warning light flashes on when your drivers are away from the depot.
Depending on the purchase category of your card, you may also be able to add different sets of products, such as HGV truck wash, selected tolls and HGV parking.
Some cards are designed for European travel, and your drivers can use them to pay for the main toll roads across Europe including north European Eurovignettes and southern European motorways and toll tunnels. These cards sometimes come with an electronic transmitter which automates the payments as your vehicles pass the sensors.
For a subscription fee, some of these card providers also offer a European VAT reclaim service from all the countries your drivers travel in.
The amount you pay for your fuel cards depends on the specific cards you’ve chosen for your business, with each option charging slightly different sums for the fees that make up the total cost.
This means that you need to be aware of the fees you may have to pay as part of signing up for a fuel card. These are the main ones:
- Account fee
- Annual fuel card charge
- Bounced direct debit fee
- Card non-usage fee
- Clean air partnership (cap)
- Company name change on your fuel cards
- Emergency credit facility fee
- Late payment
- Lost/stolen/damaged card replacement
- Minimum usage fee
- Paper invoice fee
- Site clearance
- Surcharges (such as toll fees)
Because each of these fees will vary from provider to provider, it’s difficult to say what the total cost of a typical card will be.
However, the most important cost is the annual fuel card charge and this generally ranges from a maximum of €20 to a minimum of no fee at all.
Fuel cards can only be used for transport expenses, while credit cards can be used to pay for pretty much anything.
If an employee has a company credit card, they can purchase anything. This can result in many hours being spent reviewing credit card bills to spot fuel transactions.
Fuel cards, on the other hand, are restricted to purchasing only fuel and transport products and cannot be used to purchase sundries from the service station. The fuel card providers give you a finely itemised list of each time the card was used, exactly when, where and what was paid for.
The result is that fuel cards cut down on administration, as well as reducing the risk of unauthorised spending on fuel for personal vehicles, as well as non-fuel items.
Sole traders, small to medium-sized enterprises, and multinational companies are all able to get approved for a fuel card, so long as they meet the criteria required for acceptance.
You need to be a registered company or sole trader, and you should have a VAT number, although this is not compulsory for all fuel cards.
You also need to pass a credit check to be able to get a fuel card. While the conditions are less stringent than other financial applications (such as loans) you will still need to prove that you are able to pay your debts.
If you do not have a good enough credit rating, there are some fuel card providers which may still be able to give your company fuel cards with a pre-payment agreement. The way this works is that your company pays for a week’s fuel ahead of time, and your drivers then draw from this pool of money each time they buy fuel.
Fuel cards are a good idea if you are a business owner looking for ways of managing your fleet costs more efficiently.
They offer five key benefits.
1. Cut down on admin time
Your admin team doesn't need to log purchases from paper receipts because fuel cards keep an electronic record of your fuel-related transactions, separating out the VAT.
2. Simplify your accounting
Fuel card customer apps and websites produce HMRC-approved invoices, making it easier to submit accurate expenses and reclaim the VAT from your fuel purchases.
3. Get fuel discounts
Many fuel cards allow you to buy diesel and petrol at trade price, meaning your company spends less on refuelling its vehicles.
4. Pay toll fees easily
Fuel cards can be used to pay toll charges in Europe, making it less stressful when your business transports goods via motorways.
5. Reduce the risk of fraud
Fuel cards transactions are a secure payment method that’s monitored, helping to reduce the chances of card fraud or losing money if your drivers are the victims of theft.
One of the best things about fuel cards is that they simplify the process of reclaiming the VAT on your petrol, diesel and other transport expenses.
Every transaction you make with your fuel card is recorded electronically. This information is used to create revenue approved invoices with all the information you need to reclaim the VAT on the business fuel purchases you’ve made.
An important thing to note is that you can reclaim the VAT on business fuel for up to three years after they happened. To do this you’ll need to have the receipts as proof.
Fuel card providers give you a login to account management software that you can use as an app or in your browser.
This online service sends your invoices electronically. You can view transactions by card, vehicle or driver, and order additional cards or cancel lost cards quickly and easily.
You can set up alerts to boost security so that you find out immediately if an unusually large purchase is made on a fuel card, for example, or if one card is used multiple times in a short space of time.
You can see reports on card usage, Kilometres per litre and other data, which can help you analyse and better control your fuel expenditure.
You can also download your past invoices.
There is a huge number of fuel card options available to fleet business owners.
These include cards offered by the biggest petroleum brands, which let you use their national network to buy high-quality fuel. Some cards offer smaller local chains as well. Finally, there are niche cards that cater for bulk diesel purchases, or for fleets that work abroad.
It can be tricky knowing which card to select, as many of them offer very similar features and benefits (particularly those from the same brand).
It's important to find a fuel card that has the specific features your business needs, from the fuel types offered to the coverage available.
You can find out what fuel card options are available to your business by using iCompario’s comparison tool. Simply enter your requirements and it’ll show you all the available cards that meet your needs.
Using a fuel card is as simple as using a credit card. All you have to do is fill up your vehicle at the pump, choose any additional vehicle-related products you need (such as oil, AdBlue or a car wash) then present it to the cashier. They’ll run it through their till and the purchase is recorded.
As with a credit card, the money you’ve spent isn’t immediately debited from your company bank account. Instead, you’re sent a single invoice that covers all the purchases made during a specific period (either a week or a month). Your company then settles this bill with the fuel card provider.
For most companies, your bill will need to be settled weekly. Providers sometimes offer you a payment schedule based on your company credit score. To make the payment, most companies set up a direct debit. To check your invoice, or track the amount as it builds up during the week, many card providers offer an online account management system.
Fuel cards come with some key features and offer helpful benefits to people who use them. These features include things like account management software, fixed weekly prices for fuel and a station locator.
The key benefits include reducing the amount of time you spend on admin and having the option to buy your fuel, Adblue and road tolls now and pay for them later. You will also get invoices with the information you need to make it easy to claim fuel VAT back.
However, these features and benefits are only appropriate to transport businesses with professional drivers and not to private individuals who drive their vehicles for pleasure.
If you run a fleet business then there’s a good chance that you should get a fuel card. But if you only use your vehicle for personal trips then you will not be able to get a fuel card.
With the growth in EV fleets, electric vehicle charging cards are becoming more widely used. There are charge point cards for private individuals and separate ones for businesses. Most cards can only be used on a specific charge point operator’s network while some can be used at multiple brands. There are also some electric vehicle charge cards that can be used to purchase petrol and diesel, which is great for drivers of plugin hybrid vehicles or for fleets with a mix of electric and non-electric vehicles.
iCompario has just added its first electric vehicle charging ‘fuel’ card. Click here for more information.