Joint Business Bank Accounts

What is a joint business bank account?

A joint business bank account is a general term used to describe accounts held in the names of two or more people, all of whom can operate it. Essentially, an account that is opened in multiple names. Every named holder can deposit funds, make payments and see transactions. The account mandate (the rulebook you sign at opening) decides whether either of you can act alone, or whether both/all signatures are needed.

It’s normally opened by a partnership, family businesses  anywhere two business owners need day-to-day access. Unlike a personal joint account, the bank treats the funds as business money and applies business banking terms. Limited companies do not strictly hold joint accounts, but you can have joint signatories. 

Who needs a joint business bank account?

Some examples of when a joint business account makes sense:

• A general partnership under the Partnership Act 1890, where two or more individuals share direct personal ownership of an unincorporated business.
• A married couple, partners or family team operating a group venture who want a shared and segregated way to manage the finances. 
• Unincorporated associations, such as local sports clubs, societies, or community groups, where multiple trustees require collective oversight of community funds.

If only one of you legally owns the business and the other simply helps out, a joint account is the wrong structure. A standard account with an additional card or login gives the same practical access without extending to the helper legal liability.

What are the risks of a joint business bank account?

Joint business accounts carry three risks that aren’t always spelt out at opening.

Shared liability: Every account holder is equally liable for the firm’s debts under section 9 of the Partnership Act 1890, and jointly and severally liable for wrongful acts under section 12. In plain terms: a creditor can pursue any one partner for the firm’s full debt, including an overdraft, regardless of who spent it.

No built-in spending controls: Most joint mandates run on an ‘either to sign’ basis. Either of you can transfer funds, set up direct debits or commit the account to standing orders without requiring the other’s approval. Banks will also offer a ‘both to sign’ mandate, although you may have to request it. It slows day to day banking, but can be helpful in certain circumstances, however not every digital provider supports it.

Dissolution complexity or disputes: If the partnership ends, neither of you can usually freeze the account or remove the other alone. The bank will need both signatures to close it or change the mandate. If the account operates on both to sign, disputed funds can sit untouched until the parties agree or a court orders the position, conversely if the mandate is either to sign, then one account holder can remove all funds from the account if it has not been frozen. 

Joint account vs multi-user account: what’s the difference?

An account opened in joint or multiple account names makes every named holder a legal owner of the funds and a party to the bank contract. A multi-user account works differently: The legal account owner(s)grant secondary users access through their own card or login.

For co-founder limited companies the company is the account holder, the directors are authorised users with whatever permissions the board agrees, and the liability is in the company name. For incorporated partnerships, which have no separate legal entity from the people owning them, a joint account reflects the underlying ownership and is usually the right fit.

How do joint business accounts work for limited companies?

A limited company is a separate legal entity, so the bank account belongs to the company, not to its directors. A ‘joint’ account doesn’t apply: the company is the single account holder, and two or more directors sit on the mandate as authorised signatories.

You’re still bound by your duties as a director under sections 170 to 181 of the Companies Act 2006, including promoting the success of the company and exercising reasonable care, skill and diligence. You also have to keep accounting records that show and explain the company’s transactions under section 386. 

What should a joint business account partnership agreement cover?

A written partnership agreement is important protection against the risks of a joint account. At a minimum, it should cover:

• Who authorises payments above an agreed value
• How profits and losses are shared
• What happens if a partner leaves
• How the account is handled on dissolution
• What dispute process applies before either of you contacts the bank

Without one, the default rules of the Partnership Act 1890 apply, including equal sharing of profits and losses regardless of capital contributed. If this does not reflect how you set up the business, it’s a poor starting point for resolving disputes.

Which providers offer joint business bank accounts?

Most UK high street banks support joint or multi account holder business accounts for non incorporated businesses and partnerships. Digital providers have a mixed approach to this, so it’s important you understand if the account can be opened in multiple names or if they only offer multi-user access with managed permissions. These two options work under different legal liability bases, and understanding the difference will be important in making sure you open the correct account for your business structure. 

Joint business bank account brands in detail 

The accounts on this page split into two distinct groups when it comes to joint banking. The high street banks, HSBC, NatWest, RBS and Virgin Money, are a straightforward fit for true partnership accounts, supporting named co-signatories, branch access and, in most cases, overdraft facilities. They carry full FSCS protection up to £120,000 and are best suited to partnerships that want both-to-sign mandates.

Many fintech or digital providers are FCA authorised e-money institutions but do not offer true joint or multiple named accounts. These accounts offer multi person account access but the overall account and therefore liability sits with one person. 

What are the new regulations for debanking?

The rules on closing a UK business account changed on 28 April 2026. The Payment Services and Payment Accounts (Contract Termination) (Amendment) Regulations 2025 require banks to give at least 90 days’ notice before closing an account, increased from 60 days. Banks must also give a written explanation detailed enough to challenge the decision through the Financial Ombudsman Service.

This is applicable for joint accounts, you’ll get a three month window to move funds, redirect customer payments and set up alternative banking. Exceptions to 90 days notice still apply.

If you’re a sole trader bringing a partner into the business, you’ll still need to adhere to the rules for Making Tax Digital (MTD) for Income Tax. Since 6 April 2026, sole traders and landlords with qualifying income above £50,000 have been required to keep digital records and send quarterly updates to HMRC The phased implementation for MTD will see the £30,000 threshold follow in April 2027 and the £20,000 threshold in April 2028.Understanding Joint Business Bank Accounts

• Compare joint business accounts or multi-user access business solutions
• Find accounts that match your business scale & ambitions
• Use our quick & simple comparison tool to find the best account for you

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Tide Business Bank Account

• Get £150 cashback* & 3 months free of Tide Pro Plan**
• Open a free business current account in minutes and get everything you need to run a better business

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£100 Amazon.co.uk Gift Card*

HSBC UK Small Business Banking Account – £100 Amazon.co.uk Gift Card*

AccountingBranch AccessCash DepositsGlobal Currency Accounts

• Monthly Fee:
  £0
• Bank Transfers:
  Free**
• Overdraft:
  Yes***
• Account Access:
  App, Online, Branch & Post Office
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• No monthly account fee and free UK digital banking**
• Comprehensive features: A full range of business banking services.

To Consider:

• Available to Small Business Banking customers who are typically small enterprises with borrowing*** needs of up to £100k and whose everyday banking needs don’t need the support of a Relationship Manager.

Great For:

• No monthly account fee and free UK digital banking**
• Comprehensive features: A full range of business banking services.

To Consider:

• Available to Small Business Banking customers who are typically small enterprises with borrowing*** needs of up to £100k and whose everyday banking needs don’t need the support of a Relationship Manager.

Features:

• No monthly account fee and free UK digital banking**
• A full list of prices and charges applicable can be found in HSBC UK’s Business Price List at business.hsbc.uk/legal

Criteria:

• Sole traders, limited companies, partnerships, limited liability partnerships and non-charitable clubs/associations/societies can all apply
• Must be a tax resident in the UK but not the Channel Islands or the Isle of Man
• ***Borrowing is subject to application, eligibility, affordability, and credit check. T&Cs, fees, charges, and rates apply.

SEE DEAL

*Claim a £100 Amazon.co.uk Gift Card if accepted for a HSBC Small Business Banking Account Offer ends July 20th 2026. T&Cs apply **Free UK digital banking means day-to-day standard electronic transfers made through Business Internet Banking and HSBC UK Business Banking app are free. Other charges apply eg. cheques and CHAPS, See Business Price List for details Subject to application, eligibility, credit check and T&Cs.

Free day-to-day online business banking* and 6 months free Xero (T&Cs apply).

Virgin Money M Account for Business

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• No monthly account fee, free day-to-day online business banking (excluding CHAPS & international payments) and Five-Star Rated by Moneyfacts in 2026
• Get six months free Xero (T&Cs apply) and easily integrate with Xero, Sage and QuickBooks
• Best Business Current Account Provider and Best Service From A Business Bank (Moneyfacts 2026)

To Consider:

• Up to £1million annual turnover

Great For:

• No monthly account fee, free day-to-day online business banking (excluding CHAPS & international payments) and Five-Star Rated by Moneyfacts in 2026
• Get six months free Xero (T&Cs apply) and easily integrate with Xero, Sage and QuickBooks
• Best Business Current Account Provider and Best Service From A Business Bank (Moneyfacts 2026)

To Consider:

• Up to £1million annual turnover

Features:

• Free day-to-day online business banking (excluding CHAPS and international payments)
• Earn 0.25% unlimited cashback on eligible purchases on up to 8 debit cards

Criteria:

• Must be based and operated in the UK (excluding Channel Islands, Isle of Man and Northern Ireland)
• All owners, directors, senior managers and account signatories must be over 18 years old

SEE DEAL

*excluding CHAPS and international payments

Virgin Money Business Current Account

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free for 25 months, then £6.50
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• 0.35% cashback (capped at £500 per debit card per year)
• Five-Star rated by Moneyfacts in 2026
• Best Business Current Account Provider and Best Service From A Business Bank (Moneyfacts 2026)

To Consider:

• For businesses with less than £6.5m annual turnover
• Virgin Money offers 24/7 self-service but not 24/7 customer support

Great For:

• 0.35% cashback (capped at £500 per debit card per year)
• Five-Star rated by Moneyfacts in 2026
• Best Business Current Account Provider and Best Service From A Business Bank (Moneyfacts 2026)

To Consider:

• For businesses with less than £6.5m annual turnover
• Virgin Money offers 24/7 self-service but not 24/7 customer support

Features:

• 25 months’ free day-to-day banking if you’re a new business or just new to Virgin Money (excludes CHAPS and international payments)
• Six months free Xero (terms and conditions apply) and easy integration with Xero, Sage and QuickBooks
• 0.35% cashback on eligible debit card spend (capped at £500 per calendar year, per debit card)

Criteria:

• Available for eligible businesses with up to £6.5m annual turnover
• Must be based and operated in the UK (excluding Channel Islands, Isle of Man and Northern Ireland)
• All owners, directors, senior managers and account signatories must be over 18 years old
• For limited companies, please allow up to 72 hours from registering your business with Companies House, before starting an application

SEE DEAL

*25 months' free day-to-day banking if you're a new business or just new to Virgin Money (excludes CHAPS and international payments)

£150 cashback* & 3 months free of Tide Pro Plan**

Tide Business Bank Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  Free
• Bank Transfers:
  5 Free per month
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Apply online in minutes with no credit checks or paperwork needed
• This account comes with no monthly maintenance fees

To Consider:

• 20p per bank transfer after 5 free each month
• Tide is a digital-only service. There are no physical branches for in-person banking or face-to-face support

Great For:

• Apply online in minutes with no credit checks or paperwork needed
• This account comes with no monthly maintenance fees

To Consider:

• 20p per bank transfer after 5 free each month
• Tide is a digital-only service. There are no physical branches for in-person banking or face-to-face support

Features:

• Create and send invoices for free
• Multi-business – hold up to 5 business accounts
• Automated 30-day cash flow forecasts

Criteria:

• For registered business account: you must be registered with UK Companies House as a director of that company or partnership
• For sole trader account: you must be a UK based sole trader/freelancer
• For all accounts: you must be aged 18+, have a valid UK phone number and address, and hold compatible device registered to a UK App or Google Play store

SEE DEAL

*Use code PROSTART at sign-up and spend £1,000 on your card within 60 days. **Subscribe within 7 days of opening a Tide account to be eligible. T&Cs apply. FSCS-Protected, Bank Account by ClearBank.

£150 cashback* & 3 months free of Tide Pro Plan**

Tide Smart Business Bank Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  £12.49
• Bank Transfers:
  30 Free per month
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

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Great For:

• Businesses moving beyond basic admin looking for regular free transfer allowances.
• Teams requiring secondary cards and members who frequently transact internationally.

To Consider:

• 20p per bank transfer after 30 free transfers each month.
• Cash deposits incur a fee (0.5% at Post Office / 3% at PayPoint).

Great For:

• Businesses moving beyond basic admin looking for regular free transfer allowances.
• Teams requiring secondary cards and members who frequently transact internationally.

To Consider:

• 20p per bank transfer after 30 free transfers each month.
• Cash deposits incur a fee (0.5% at Post Office / 3% at PayPoint).

Features:

• Includes 1 free employee expense card seat.
• 0% foreign exchange fees on international card payments.
• Linked Instant Saver Account with priority tiered interest rates.
• Direct phone support and 24/7 in-app chat.

Criteria:

• For registered business account: must be registered with UK Companies House as a director of that company or partnership.
• For sole trader account: must be a UK-based sole trader or freelancer.
• Applicants must be aged 18+, hold a valid UK phone number/address, and possess a compatible iOS or Android device.

SEE DEAL

*Use code PROSTART at sign-up and spend £1,000 on your card within 60 days. **Subscribe within 7 days of opening a Tide account to be eligible. T&Cs apply. FSCS-Protected, Bank Account by ClearBank.

£150 cashback* & 3 months free of Tide Pro Plan**

Tide Pro Business Bank Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  £27.49
• Bank Transfers:
  Unlimited Free (subject to fair use)
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Rapidly growing businesses making a high volume of monthly electronic bank transfers.
• Owners looking to bundle automated bookkeeping and full tax tools directly into their bank account.

To Consider:

• Cash deposits still carry transaction fees (0.5% Post Office / 3% PayPoint).
• High-value CHAPS payments are restricted to specific plan allowances (2 included).

Great For:

• Rapidly growing businesses making a high volume of monthly electronic bank transfers.
• Owners looking to bundle automated bookkeeping and full tax tools directly into their bank account.

To Consider:

• Cash deposits still carry transaction fees (0.5% Post Office / 3% PayPoint).
• High-value CHAPS payments are restricted to specific plan allowances (2 included).

Features:

• Tide Accounting included: Built-in tools for automated bookkeeping and Making Tax Digital (MTD).
• Includes 2 free employee expense card seats.
• Unlimited free UK bank transfers.
• 0% foreign exchange fees on international card purchases and reduced international transfer fees.

Criteria:

• For registered business account: must be registered with UK Companies House as a director of that company or partnership.
• For sole trader account: must be a UK-based sole trader or freelancer.
• Applicants must be aged 18+, hold a valid UK phone number/address, and possess a compatible iOS or Android device.

SEE DEAL

*Use code PROSTART at sign-up and spend £1,000 on your card within 60 days. **Subscribe within 7 days of opening a Tide account to be eligible. T&Cs apply. FSCS-Protected, Bank Account by ClearBank.

£150 cashback* & 3 months free of Tide Pro Plan**

Tide Max Business Bank Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  £69.99
• Bank Transfers:
  Unlimited Free (subject to fair use)
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Established businesses wanting maximum rewards, highest tier savings rates, and dedicated support.
• Companies with larger teams seeking collaborative, high-access account options.

To Consider:

• Significant jump in monthly fee (£69.99/mo) requiring solid card spending to offset via cashback.

Great For:

• Established businesses wanting maximum rewards, highest tier savings rates, and dedicated support.
• Companies with larger teams seeking collaborative, high-access account options.

To Consider:

• Significant jump in monthly fee (£69.99/mo) requiring solid card spending to offset via cashback.

Features:

• 0.5% cashback on all eligible card spend via the exclusive Tide Max card.
• Premium built-in MTD accounting features and Business Credit Score Insights.
• Includes 3 free employee expense card seats and extended team access (up to 5 members).
• Best available interest rates via the Tide Instant Saver Max Boost.

Criteria:

• For registered business account: must be registered with UK Companies House as a director of that company or partnership.
• For sole trader account: must be a UK-based sole trader or freelancer.
• Applicants must be aged 18+, hold a valid UK phone number/address, and possess a compatible iOS or Android device.

SEE DEAL

*Use code PROSTART at sign-up and spend £1,000 on your card within 60 days. **Subscribe within 7 days of opening a Tide account to be eligible. T&Cs apply. FSCS-Protected, Bank Account by ClearBank.

Get a £100 business bonus when you open an account and add just £0.01*

Revolut Basic Business Account

AccountingFast OpeningGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  £10
• Bank Transfers:
  10 Free per month
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Multi-currency accounts, physical and virtual cards plus spend management tools
• Compatible with accounting software and create invoices in app

To Consider:

• Only 5 free local transfers and no free international transfers
• An e-money product with no branch access

Great For:

• Multi-currency accounts, physical and virtual cards plus spend management tools
• Compatible with accounting software and create invoices in app

To Consider:

• Only 5 free local transfers and no free international transfers
• An e-money product with no branch access

Features:

• Multi-currency accounts – receive payments and exchange in 25+ currencies
• Control and monitor team spending with multiple debit and virtual cards, manage permissions and levels of access and more
• Various payment facilities including Tap to Pay on iPhone (fees apply)
• International payments – Send and receive money from 150+ countries

Criteria:

• Available for limited companies, PLCs, LLPs, Partnerships & unlimited companies
• Currently available for companies registered in and with a physical presence within the European Economic Area (EEA), Switzerland, UK and US

SEE DEAL

*Open a Revolut Business account and add money (as little as £0.01) to your account by 31st December 2026 to receive a £100 welcome bonus. Available for new Revolut Business customers in the UK only. Fees, promotion terms and T&Cs apply.

Get a £100 business bonus when you open an account and add just £0.01*

Revolut Grow Business Account

AccountingFast OpeningGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  From £30 p/month
• Bank Transfers:
  100 Free per month
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• 100 free bank transfers – £0.20 fee applies thereafter
• 5 free international transfers – £5 fee applies thereafter

To Consider:

• No cash or cheque facilities
• An e-money product with no branch access

Great For:

• 100 free bank transfers – £0.20 fee applies thereafter
• 5 free international transfers – £5 fee applies thereafter

To Consider:

• No cash or cheque facilities
• An e-money product with no branch access

Features:

• Multi-currency accounts – receive payments and exchange in 25+ currencies
• Control and monitor team spending with multiple debit and virtual cards, manage permissions and levels of access and more
• Various payment facilities including Tap to Pay on iPhone (fees apply)
• Earn annual interest daily with a linked business savings account

Criteria:

• Available for limited companies, PLCs, LLPs, Partnerships & unlimited companies
• Currently available for companies registered in and with a physical presence within the European Economic Area (EEA), Switzerland, UK and US

SEE DEAL

*Open a Revolut Business account and add money (as little as £0.01) to your account by 31st December 2026 to receive a £100 welcome bonus. Available for new Revolut Business customers in the UK only. Fees, promotion terms and T&Cs apply.

Get a £100 business bonus when you open an account and add just £0.01*

Revolut Scale Business Account

AccountingFast OpeningGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  From £90 p/month
• Bank Transfers:
  1,000 free per month
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• 1,000 free bank transfers – £0.20 fee applies thereafter
• 25 free international transfers – £5 fee applies thereafter

To Consider:

• No cash or cheque facilities
• An e-money product with no branch access

Great For:

• 1,000 free bank transfers – £0.20 fee applies thereafter
• 25 free international transfers – £5 fee applies thereafter

To Consider:

• No cash or cheque facilities
• An e-money product with no branch access

Features:

• Multi-currency accounts – receive payments and exchange in 25+ currencies
• Control and monitor team spending with multiple debit and virtual cards, manage permissions and levels of access and more
• Various payment facilities including Tap to Pay on iPhone (fees apply)
• Earn annual interest daily with a linked business savings account
• 2 complimentary metal cards

Criteria:

• Available for limited companies, PLCs, LLPs, Partnerships & unlimited companies
• Currently available for companies registered in and with a physical presence within the European Economic Area (EEA), Switzerland, UK and US

SEE DEAL

*Open a Revolut Business account and add money (as little as £0.01) to your account by 31st December 2026 to receive a £100 welcome bonus. Available for new Revolut Business customers in the UK only. Fees, promotion terms and T&Cs apply.

Get a £100 business bonus when you open an account and add just £0.01*

Revolut Enterprise Business Account

AccountingFast OpeningGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  Contact Revolut
• Bank Transfers:
  Contact Revolut
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Customized for your business needs
• Full account management and 24/7 support

To Consider:

• No cash or cheque facilities
• An e-money product with no branch access

Great For:

• Customized for your business needs
• Full account management and 24/7 support

To Consider:

• No cash or cheque facilities
• An e-money product with no branch access

Features:

• Multi-currency accounts – receive payments and exchange in 25+ currencies
• Control and monitor team spending with multiple debit and virtual cards, manage permissions and levels of access and more
• Various payment facilities including Tap to Pay on iPhone (fees apply)
• Earn annual interest daily with a linked business savings account
• Tailored for larger businesses

Criteria:

• Available for limited companies, PLCs, LLPs, Partnerships & unlimited companies
• Currently available for companies registered in and with a physical presence within the European Economic Area (EEA), Switzerland, UK and US

SEE DEAL

*Open a Revolut Business account and add money (as little as £0.01) to your account by 31st December 2026 to receive a £100 welcome bonus. Available for new Revolut Business customers in the UK only. Fees, promotion terms and T&Cs apply.

Get £200 Cashback with a Tide business bank account and savings account. Earn up to 4.00%**

Tide Savings Business Bank Account & Savings Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  Free
• Bank Transfers:
  5 Free per month
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Apply online in minutes with no credit checks or paperwork needed
• This account comes with no monthly maintenance fees

To Consider:

• 20p per bank transfer after the first year
• Tide is a digital-only service. There are no physical branches for in-person banking or face-to-face support

Great For:

• Apply online in minutes with no credit checks or paperwork needed
• This account comes with no monthly maintenance fees

To Consider:

• 20p per bank transfer after the first year
• Tide is a digital-only service. There are no physical branches for in-person banking or face-to-face support

Features:

• Create and send invoices for free
• Multi-business – hold up to 5 business accounts
• Automated 30-day cash flow forecasts

Criteria:

• For registered business account: you must be registered with UK Companies House as a director of that company or partnership
• For sole trader account: you must be a UK based sole trader/freelancer
• For all accounts: you must be aged 18+, have a valid UK phone number and address, and hold compatible device registered to a UK App or Google Play store

SEE DEAL

**To be eligible for the £200 Cashback offer, open both a Tide Instant Saver and Tide Business Bank Account. Ts&Cs Apply. Up to 4% AER (variable). Interest rates are tiered, with the top rate for balances between £1M and £10M. The top rate includes a 0.26% savings boost. New Tide Members get these rates free for 4 months, after which your Tide plan’s rates apply. For full offer T&Cs visit tide.co/savings. FSCS-Protected Bank Account by ClearBank.

£200 Online Account Opening Incentive* plus earn interest on every penny up to 3.50% AER variable**

Cynergy Bank Business Current Account

AccountingCash Deposits

• Monthly Fee:
  Free for 12 months, then £5.00
• Bank Transfers:
  Free
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• International payments in 7 major currencies, including EUR and USD
• Online application for businesses with up to 10 directors

To Consider:

• 3.50% on balances up to £10k but 0.10% for balances above £10k*
• Fees apply for cash, CHAPS, SWIFT and SEPA transactions

Great For:

• International payments in 7 major currencies, including EUR and USD
• Online application for businesses with up to 10 directors

To Consider:

• 3.50% on balances up to £10k but 0.10% for balances above £10k*
• Fees apply for cash, CHAPS, SWIFT and SEPA transactions

Features:

• 3.50% on balances up to £10k and 0.10% for balances above £10k*
• Make international payments in up to seven major currencies, with option to open EUR or USD accounts.
• Customise workflows for account management and transaction approvals requiring more than one account user to sign-off.
• Bulk payment processing.
• Online application for businesses with up to 10 directors.

Criteria:

• Must be a partnership, limited liability partnership (LLP) or limited company (LTD)
• Must be registered and eligible to pay tax in the UK
• Have a maximum of 10 directors

SEE DEAL

*Offer valid for new BCAs opened online and funded 05/05/26 – 31/07/26. Requires a minimum external deposit of £5,000 within 30 days of account opening and a maintained average balance of £5,000 for a minimum of 3 months. Subject to status and eligibility. **0.10% AER variable paid monthly at 0.10% gross p.a. on all credit balances above £10,000. Fee free for 12 months for new accounts only and £5 thereafter. Limited time offer. T&Cs apply.

Get 2 Years Free Banking on Everyday Transactions

NatWest Start-Up Business Bank Account

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• 2 Years Free Banking on Everyday Transactions
• FreeAgent accountancy software is free for as long as you retain your bank account

To Consider:

• Overdraft applications are subject to status. Security and product fees may apply.
• Standard Tariff applies to transaction fees after 2 years.

Great For:

• 2 Years Free Banking on Everyday Transactions
• FreeAgent accountancy software is free for as long as you retain your bank account

To Consider:

• Overdraft applications are subject to status. Security and product fees may apply.
• Standard Tariff applies to transaction fees after 2 years.

Features:

• Get 2 years free banking on everyday transactions
• *Free Agent is Making Tax Digital Compatible
• Branch & Online Access

Criteria:

• For businesses trading for less than 1 year & turnover of less than £1m
• Applicants must be 18+ and owner or director with no Bankruptcy, County Court Judgement or Court Decree.

 

SEE DEAL

Eligibility criteria & terms apply. *FreeAgent is free for as long as you retain your account. Optional add-ons may be chargeable

One month free trial. T&Cs apply*

Airwallex Explore Business Account

AccountingFast OpeningGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  Free*
• Bank Transfers:
  Free
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Open local currency accounts in 60+ countries
• Make international transfers to 150+ countries at interbank rates

To Consider:

• Deposit £10,000 p/month or hold £10,000 to be free, if not £19 p/month
• An e-money product with no branch access

Great For:

• Open local currency accounts in 60+ countries
• Make international transfers to 150+ countries at interbank rates

To Consider:

• Deposit £10,000 p/month or hold £10,000 to be free, if not £19 p/month
• An e-money product with no branch access

Features:

• Open multiple accounts per entity. Collect and hold in 20+ currencies
• Expense management for cards and reimbursements
• Free local transfers to 120+ countries and domestic transfers. Access to interbank FX rates and batch transfers
• Multi-currency and employee cards with zero international fees
• Includes 5 free employee card users and up to 10 company cards
• Online card and local payment method acceptance globally
• Bank feeds sync with Xero. ApprovalMax, WorkflowMax by BlueRock Integrations

Criteria:

• You must be at least 18 years old
• Be a sole trader, partner in a partnership, or company
• Your business is registered in the UK. More markets are available with different Airwallex entities. Details can be found on the Airwallex website.

SEE DEAL

*£0 per month if you deposit at least £10k per month through bank deposits, direct debits, or payment acceptance volumes, or if you hold a minimum balance of £10k in your wallet at the end of the month.

One month free trial. T&Cs apply.

Airwallex Grow Business Account

AccountingFast OpeningGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  £49*
• Bank Transfers:
  Free
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Open local currency accounts in 60+ countries
• Make international transfers to 150+ countries at interbank rates

To Consider:

• An e-money product with no branch access

Great For:

• Open local currency accounts in 60+ countries
• Make international transfers to 150+ countries at interbank rates

To Consider:

• An e-money product with no branch access

Features:

• 5 free active spend users per month and up to 50 free company cards
• Track cards and reimbursements with Expense Management
• Manage domestic and international bills with Bill Pay
• Automated receipt and bill data extraction and customisable, multi-layer spend approvals
• Xero expenses and bills integration

Criteria:

• You must be at least 18 years old
• Be a sole trader, partner in a partnership, or company
• Your business is registered in the UK. More markets are available with different Airwallex entities. Details can be found on the Airwallex website.

SEE DEAL

One month free trial. T&Cs apply.

Airwallex Custom Business Account

AccountingFast OpeningGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  Custom
• Bank Transfers:
  Free
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Open local currency accounts in 60+ countries
• Make international transfers to 150+ countries at interbank rates

To Consider:

• An e-money product with no branch access

Great For:

• Open local currency accounts in 60+ countries
• Make international transfers to 150+ countries at interbank rates

To Consider:

• An e-money product with no branch access

Features:

• High-volume businesses
• Custom API implementations
• Embedded finance integrations to launch your own financial products
• Dedicated account management support

Criteria:

• You must be at least 18 years old
• Be a sole trader, partner in a partnership, or company
• Your business is registered in the UK. More markets are available with different Airwallex entities. Details can be found on the Airwallex website.

SEE DEAL

No fees on international transfers and streamlined expense management for your business

Equals Multi-Currency Account

AccountingFast OpeningNo Hard Credit Check

• Monthly Fee:
  Custom
• Bank Transfers:
  Free
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Get a multi-currency IBAN to hold, send and receive over 35 currencies (GBP, EUR, USD, etc.) in one account without needing separate bank accounts
• Offers favourable exchange rates, and same-day or next working day transfers

To Consider:

• Equals Money accounts don’t fall under FSCS. Your money is protected in safeguarded Bank Accounts separate from company assets. Please see product T&Cs for information relating to safeguarding

Great For:

• Get a multi-currency IBAN to hold, send and receive over 35 currencies (GBP, EUR, USD, etc.) in one account without needing separate bank accounts
• Offers favourable exchange rates, and same-day or next working day transfers

To Consider:

• Equals Money accounts don’t fall under FSCS. Your money is protected in safeguarded Bank Accounts separate from company assets. Please see product T&Cs for information relating to safeguarding

Features:

• Dedicated account management and compliance resource will support you through onboarding
• Manage funds in 35+ currencies with a multi-currency IBAN Business Account, no separate accounts needed
• Free non-sterling transactions in 21 card-supported currencies (1.5% fee for others) spend in 190+ countries where Mastercard is accepted
• No individual credit checks but identification and residency checks required
• Dedicated, expert support 7 days a week

Criteria:

• Available to Limited Companies, Sole Traders and Partnerships
• You must be 18+ and a UK resident.

SEE DEAL

Reduce manual admin with automated spend management tools. Integrate with Xero for daily multi-currency feeds, and SAP Concur enables card transactions to flow automatically into Concur Expense.

No monthly fees and free 24/7 UK support

Starling Business Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  £0
• Bank Transfers:
  Free
• Overdraft:
  No
• Account Access:
  App, Online, & Post Office
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Free UK everyday banking with no hidden monthly costs
• Bookkeeping with automated spending insights and free “Accounting Essentials” built-in

To Consider:

• Starling has no physical branches; all cash and cheque services are handled via the Post Office or in-app scanning
• Cash deposits at the Post Office incur a fee (0.7% of the amount, minimum £3)

Great For:

• Free UK everyday banking with no hidden monthly costs
• Bookkeeping with automated spending insights and free “Accounting Essentials” built-in

To Consider:

• Starling has no physical branches; all cash and cheque services are handled via the Post Office or in-app scanning
• Cash deposits at the Post Office incur a fee (0.7% of the amount, minimum £3)

Features:

• No charges for standard electronic payments (Faster Payments), Direct Debits, or standing orders
• Free accounting software for bookkeeping, MTD for Income tax, P&L, and other financial reports
• Connects directly with accounting software like Xero, QuickBooks, and FreeAgent
• Optional add on for MTD VAT (part of Accounting Plus: £7 a month until April 2027, then £14 a month)
• Invoicing is included for free for all accounts, create, personalise, send and track invoices in the account

Criteria:

• Sole traders, Limited Companies, and LLPs registered at UK Companies House can apply
• All directors and Persons of Significant Control (PSC) must be UK residents
• Applicants must have a smartphone and a valid photo ID (Passport or UK Driving License)

SEE DEAL

Free UK digital banking and bank transfers refer to standard Faster Payments made via the Starling app or Online Banking. CHAPS payments incur a £20 fee. Cash deposits at the Post Office are charged at 0.7% (min £3). Overdrafts are subject to application, status, and credit check; annual fees and interest rates apply.

Apply for an overdraft at the Application Stage

Zempler Bank Business Account

AccountingCash DepositsNo Hard Credit Check

• Monthly Fee:
  Free
• Bank Transfers:
  3 free per month
• Overdraft:
  Yes
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• There are no credit checks to open an account
• Great bank account for Sole Traders & new Ltd Companies, as no monthly or annual fees on the account

To Consider:

• 0.55% fee to pay in cash at the Post Office (£4 min fee)
• FX transaction fee of 2.99% on non-sterling transactions

Great For:

• There are no credit checks to open an account
• Great bank account for Sole Traders & new Ltd Companies, as no monthly or annual fees on the account

To Consider:

• 0.55% fee to pay in cash at the Post Office (£4 min fee)
• FX transaction fee of 2.99% on non-sterling transactions

Features:

• 24/7 app & online servicing and UK based customer service team
• FSCS protection – up to £120,000
• Deposit cash into any of the UK’s 11,500 Post Offices.
• Invoicing tools that allow you to create and send invoices easily

Criteria:

• Available to UK registered companies or UK-based sole traders
• Application made by UK Director
• UK Director 18+ years old

SEE DEAL

Business expense and corporate financial management account

Wallester Business Expense Account

AccountingCash DepositsGlobal Currency AccountsNo Hard Credit Check

• Monthly Fee:
  Free
• Bank Transfers:
  No
• Overdraft:
  No
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Companies of any size and industry looking for a comprehensive expense management platform.
• Online and offline business payments in 10 currencies, plus 24/7 currency exchange with 0% markup. Free to start.

To Consider:

• Wallester is not a digital bank, traditional banking features such as overdrafts and loans are not available

Great For:

• Companies of any size and industry looking for a comprehensive expense management platform.
• Online and offline business payments in 10 currencies, plus 24/7 currency exchange with 0% markup. Free to start.

To Consider:

• Wallester is not a digital bank, traditional banking features such as overdrafts and loans are not available

Features:

• Multi-currency IBAN accounts
• Unlimited corporate cards and users
• Custom spend controls, roles & approvals
• Mobile app and tokenized cards (work with Apple Pay, Google Pay, Garmin, and more)
• Intuitive REST API
• Accounting integrations
• Visa Principal Member, PCI DSS certified

Criteria:

• You must be 18+ years old
• Your company must be registered and physically present in the UK, European Economic Area (EEA) and Switzerland.

SEE DEAL

Free package of 300 virtual cards with zero fees or limitations

Get £200 when you open a Business Bank Account and an eligible savings account*

The Co-operative Bank Business Bank Account

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Ideal for start ups and growing businesses who bank digitally
• No charges for all automated credits, cash withdrawals and debit card purchases

To Consider:

• Charges apply for cash and cheque transactions
• Overdrafts are subject to status, application and The Co-operative Bank’s lending policy. Interest will be charged, and security fees may apply.

Great For:

• Ideal for start ups and growing businesses who bank digitally
• No charges for all automated credits, cash withdrawals and debit card purchases

To Consider:

• Charges apply for cash and cheque transactions
• Overdrafts are subject to status, application and The Co-operative Bank’s lending policy. Interest will be charged, and security fees may apply.

Features:

• Free everyday digital business banking. No monthly fee. No charges for all automated credits, cash withdrawals and debit card purchases
• Integrate your accountancy software like Xero, Sage or Quickbooks within your online banking
• Online and in-person banking including mobile, instant secure messaging, UK based contact centre, and in branch. Rated ‘Excellent’ based on over 18,000 reviews on Trustpilot
• Most receive their account details within five days
• Co-operative Bank business customers get free, unlimited access to the Go Get Paid app – the fast, simple, secure way to get paid. Plus access selected Clover payment terminals for £1 a month for the first 12 months (fees apply)
• Join the original ethical bank with a customer-led Ethical Policy, which gives customers a say in how their money is used

Criteria:

• Must be a UK resident with a business address in the UK
• Must be 18 or over
• You or your organisation must be one of the following: a Sole Trader, Partnership, Limited Liability Partnership or Limited Company
• Available up to 10 key individuals

SEE DEAL

*Offer applies to new Co-operative Bank business customers. Min. balance and transactional criteria applies for up to the first 4 months. Charges apply and cheque transactions and other special services e.g. foreign and CHAPS payments. You can deposit cash in branch and in the Post Office for £0.75 per cheque or £0.75 per £100 cash deposited. Overdraft applications are subject to status and The Co-operative Bank’s lending policy. Interest will be charged and security fees may apply. Application subject to status, eligibility and T&Cs. Mobile banking is subject to eligibility.

Exclusive savings rate and overdraft benefits and rated 'Excellent' on Trustpilot

The Co-operative Bank Business Bank Account Plus

AccountingBranch AccessCash Deposits

• Monthly Fee:
  £10
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Established and growing businesses looking for features like insurance benefits and exclusive access to savings rates
• No charges for all automated credits, cash withdrawals and debit card purchases

To Consider:

• Charges apply for cash and cheque transactions

Great For:

• Established and growing businesses looking for features like insurance benefits and exclusive access to savings rates
• No charges for all automated credits, cash withdrawals and debit card purchases

To Consider:

• Charges apply for cash and cheque transactions

Features:

• A Business Plus Instant Access savings account will be opened alongside the bank account benefitting from an exclusive interest rate
• You can apply for an optional overdraft with no arrangement fee on amounts up to £25,000. Arrangement fees only apply to the amount above £25,000. Subject to status and eligibility.
• Get access to our business toolbox. Plus, get a Love2Shop voucher worth up to £70 when you purchase an eligible business insurance policy with our insurance partner (T&Cs apply)
• Integrate your accountancy software like Xero, Sage or Quickbooks within your online banking
• Online and in-person banking including mobile, instant secure messaging, UK based contact centre, and in branch. Rated ‘Excellent’ based on over 15,000 reviews on Trustpilot
• Most receive their account details within five days
• The original ethical bank with a customer-led Ethical Policy

Criteria:

• Must be a UK resident with a business address in the UK
• Must be 18 or over
• You or your organisation must be one of the following: “a Sole Trader, Partnership, Limited Liability Partnership or Limited Company
• Available up to 10 key account parties

SEE DEAL

*Charges apply for cash and cheque transactions and other special services, e.g. foreign and CHAPS payments. You can deposit cash in branch and in the Post Office for £0.75 per cheque or £0.75 per £100 cash deposited. No overdraft arrangement fee on optional overdrafts of up to £25,000 (arrangement fees only apply to the amount above £25,000), but where security is required, additional security fees may apply. Application subject to status (including credit checks and an assessment of your financial circumstances), eligibility and T&Cs. Mobile banking is subject to eligibility.

Get 2 Years Free Banking on Everyday Transactions

Royal Bank of Scotland Start-Up Business Bank Account

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• 2 Years Free Banking on Everyday Transactions
• FreeAgent accountancy software is free for as long as you retain your bank account

To Consider:

• Overdraft applications are subject to status. Security and product fees may apply.
• Standard Tariff applies to transaction fees after 2 years.

Great For:

• 2 Years Free Banking on Everyday Transactions
• FreeAgent accountancy software is free for as long as you retain your bank account

To Consider:

• Overdraft applications are subject to status. Security and product fees may apply.
• Standard Tariff applies to transaction fees after 2 years.

Features:

• Get 2 years free banking on everyday transactions
• *Free Agent is Making Tax Digital Compatible
• Branch & Online Access

Criteria:

• For businesses trading for less than 1 year & turnover of less than £1m
• Applicants must be 18+ and owner or director with no Bankruptcy, County Court Judgement or Court Decree.
• The switcher service offer is not available to existing NatWest or Ulster Bank customers.

SEE DEAL

Eligibility criteria & terms apply. *FreeAgent is free for as long as you retain your account. Optional add-ons may be chargeable

Get Your First 12 Months Free*

Barclays Business Account for Start-Ups

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free for 12 months, then £8.50
• Bank Transfers:
  Some charges apply
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• No monthly account fee for your first 12 months*
• 12 months’ free Sage software available to eligible Barclays Business current account customers. Sage products are provided by Sage. Barclays may receive a fee for introductions. T&Cs apply.

To Consider:

• After 12 months, the monthly account fee is £8.50 per month.

Great For:

• No monthly account fee for your first 12 months*
• 12 months’ free Sage software available to eligible Barclays Business current account customers. Sage products are provided by Sage. Barclays may receive a fee for introductions. T&Cs apply.

To Consider:

• After 12 months, the monthly account fee is £8.50 per month.

Features:

• *Free digital banking and no monthly account fee for the first 12 months. You won’t have to pay a monthly account fee for 12 months if you don’t already have a Barclays Business Account with us. After 12 months, you’ll pay £8.50 per month.
• Free digital banking refers to simple electronic payments as defined in your business account tariff. Fees and charges will apply in line with the business account tariff, which could change.

Criteria:

• To open a new business account with Barclays, you’ll need to be able to provide 3 years residential addresses and at least one person on the application must be a UK resident. Subject to terms, conditions and eligibility. 18+.
• Overdrafts are subject to application, financial circumstances and borrowing history.

SEE DEAL

Get Your First 12 Months Free*

Barclays Business Account (up to £400k turnover)

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free for 12 months, then £8.50
• Bank Transfers:
  Some charges apply
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• No monthly account fee for your first 12 months*
• 12 months’ free Sage software available to eligible Barclays Business current account customers. Sage products are provided by Sage. Barclays may receive a fee for introductions. T&Cs apply.

To Consider:

• After 12 months, the monthly account fee is £8.50 per month.

Great For:

• No monthly account fee for your first 12 months*
• 12 months’ free Sage software available to eligible Barclays Business current account customers. Sage products are provided by Sage. Barclays may receive a fee for introductions. T&Cs apply.

To Consider:

• After 12 months, the monthly account fee is £8.50 per month.

Features:

• *Free digital banking and no monthly account fee for the first 12 months. You won’t have to pay a monthly account fee for 12 months if you don’t already have a Barclays Business Account with us. After 12 months, you’ll pay £8.50 per month.
• Free digital banking refers to simple electronic payments as defined in your business account tariff. Fees and charges will apply in line with the business account tariff, which could change.
• Access to a team of Business Managers, offering local knowledge, sector expertise, connections to specialists in cashflow, international expansion, payments and more.

Criteria:

• Your turnover must be between £1,000 and £400,000 per year.
• To open a new business account with Barclays, you’ll need to be able to provide 3 years residential addresses and at least one person on the application must be a UK resident. Subject to terms, conditions and eligibility. 18+.
• Overdrafts are subject to application, financial circumstances and borrowing history.

SEE DEAL

Get Your First 12 Months Free*

Barclays Business Account (£400k-£6.5m turnover)

AccountingBranch AccessCash Deposits

• Monthly Fee:
  Free for 12 months, then £8.50
• Bank Transfers:
  Some charges apply
• Overdraft:
  Yes
• Account Access:
  App, Online & Branch
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• No monthly account fee for your first 12 months*
• 12 months’ free Sage software available to eligible Barclays Business current account customers. Sage products are provided by Sage. Barclays may receive a fee for introductions. T&Cs apply.

To Consider:

• After 12 months, the monthly account fee is £8.50 per month.

Great For:

• No monthly account fee for your first 12 months*
• 12 months’ free Sage software available to eligible Barclays Business current account customers. Sage products are provided by Sage. Barclays may receive a fee for introductions. T&Cs apply.

To Consider:

• After 12 months, the monthly account fee is £8.50 per month.

Features:

• *Free digital banking and no monthly account fee for the first 12 months. You won’t have to pay a monthly account fee for 12 months if you don’t already have a Barclays Business Account with us. After 12 months, you’ll pay £8.50 per month.
• Free digital banking refers to simple electronic payments as defined in your business account tariff. Fees and charges will apply in line with the business account tariff, which could change.
• Access to a team of Business Managers, offering local knowledge, sector expertise, connections to specialists in cashflow, international expansion, payments and more.

Criteria:

• Your turnover must be over £400,000 per year.
• To open a new business account with Barclays, you’ll need to be able to provide 3 years residential addresses and at least one person on the application must be a UK resident. Subject to terms, conditions and eligibility. 18+.
• Overdrafts are subject to application, financial circumstances and borrowing history.

SEE DEAL

Wide Range of Expense Managements Tools

Anna Money Pay As You Go

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  Free
• Bank Transfers:
  From 20p
• Overdraft:
  No
• Account Access:
  App Only
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Obtain a UK business account and sort code in 3 mins with ID
• One free debit card included (£3 per extra card)

To Consider:

• No joint account access
• An e-money product with no branch access

Great For:

• Obtain a UK business account and sort code in 3 mins with ID
• One free debit card included (£3 per extra card)

To Consider:

• No joint account access
• An e-money product with no branch access

Features:

• 1 debit card included (£3 per extra card) – 1% cashback on selected categories
• Personal payment link for accepting payments online (1% commission)
• Instant invoice generator and savings pots facility (fees apply)
• Landlords / property investors get a free 12 month subscription to the National Residential Landlords Association (NRLA)
• FastTrack to Credit – Boost your credit score and get access to credit after 3 months activity

Criteria:

• Must be a Sole Trader, Director of a Limited Company (and listed on Companies House), or a Partner in a Limited Liability Partnership
• Business must be located within the UK and you also need to have a UK residential address
• Not available to charities

SEE DEAL

ANNA Business comes with invoice generator tools, HMRC recognised Tax calculator and filing. Automate your bookkeeping with ANNA.

Wide Range of Expense Management Tools

Anna Money Business Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  £22.90
• Bank Transfers:
  50 Free per month
• Overdraft:
  No
• Account Access:
  App Only
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Five free debit cards included
• 50 free bank transfers – 20p fee applies thereafter

To Consider:

• No joint account access
• An e-money product with no branch access

Great For:

• Five free debit cards included
• 50 free bank transfers – 20p fee applies thereafter

To Consider:

• No joint account access
• An e-money product with no branch access

Features:

• Up to 5 debit cards included (£3 per extra card) – 1% cashback on selected categories
• Personal payment link for accepting payments online (£200 per month free, then 1% commission fee)
• Instant invoice generator and savings pots facility (fees apply)
• Landlords / property investors get a free 12 month subscription to the National Residential Landlords Association (NRLA)
• FastTrack to Credit – Boost your credit score and get access to credit after 3 months activity

Criteria:

• Must be a Sole Trader, Director of a Limited Company (and listed on Companies House), or a Partner in a Limited Liability Partnership
• Business must be located within the UK and you also need to have a UK residential address
• Not available to charities

SEE DEAL

ANNA Business comes with invoice generator tools, HMRC recognised Tax calculator and filing. Automate your bookkeeping with ANNA.

Wide Range of Expense Managements Tools

Anna Money Big Business Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  £59.90
• Bank Transfers:
  From free
• Overdraft:
  No
• Account Access:
  App Only
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Unlimited free domestic transfers and ATM withdrawals
• Pay cash into your account commission free

To Consider:

• No joint account access
• An e-money product with no branch access

Great For:

• Unlimited free domestic transfers and ATM withdrawals
• Pay cash into your account commission free

To Consider:

• No joint account access
• An e-money product with no branch access

Features:

• Unlimited free debit cards – 1% cashback on selected categories
• Personal payment link for accepting payments online with no fees
• Instant invoice generator and savings pots facility
• Landlords / property investors get a free 12 month subscription to the National Residential Landlords Association (NRLA)
• FastTrack to Credit – Boost your credit score and get access to credit after 3 months activity

Criteria:

• Must be a Sole Trader, Director of a Limited Company (and listed on Companies House), or a Partner in a Limited Liability Partnership
• Business must be located within the UK and you also need to have a UK residential address
• Not available to charities

SEE DEAL

ANNA Business comes with invoice generator tools, HMRC recognised Tax calculator and filing. Automate your bookkeeping with ANNA.

Get your first month of Pro or Team completely free*

Monzo Business Lite

AccountingCash DepositsFast Opening

• Monthly Fee:
  Free
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• For sole traders and small businesses wanting a free, simple digital current account
• Get instant notifications for all account activity to stay in control of your cash flow

To Consider:

• Online account management only, no phone or branch access.
• Not currently available for charities or partnerships.

Great For:

• For sole traders and small businesses wanting a free, simple digital current account
• Get instant notifications for all account activity to stay in control of your cash flow

To Consider:

• Online account management only, no phone or branch access.
• Not currently available for charities or partnerships.

Features:

• Free, instant UK bank transfers
• 24/7 customer support
• Mobile and web access
• The Monzo banking essentials

Criteria:

• Only sole traders or limited company directors in the UK can apply.

SEE DEAL

*Your first month of Pro or Team is free, after that Pro is £9/month and Team starts from £25/month. Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.

Get your first month of Pro or Team completely free*

Monzo Business Pro

AccountingCash DepositsFast Opening

• Monthly Fee:
  £9
• Bank Transfers:
  Free
• Overdraft:
  Yes
• Account Access:
  App & Online
• GO TO SITE
  MORE INFO

GO TO SITE

MORE INFO

Great For:

• Growing businesses needing advanced features like invoicing and accounting integrations
• Automatically set aside money for tax bills with dedicated, easy-to-manage Tax Pots

To Consider:

• Online account management only, no phone or branch access.
• Not currently available for charities or partnerships.

Great For:

• Growing businesses needing advanced features like invoicing and accounting integrations
• Automatically set aside money for tax bills with dedicated, easy-to-manage Tax Pots

To Consider:

• Online account management only, no phone or branch access.
• Not currently available for charities or partnerships.

Features:

• Automatically put money aside for tax
• Connect accounting tools
• Auto-export transactions, invoices and statements
• Virtual cards, access for 3 team members, invoicing and more
• Plus everything included in our Lite Account

Criteria:

• Only sole traders or limited company directors in the UK can apply.
• Monzo Business Pro is £9/month. Ts&Cs apply.

SEE DEAL

Monzo Business Pro customers get the cloud accounting platform for 6 months free, up to £354 value. *Your first month of Pro or Team is free, after that Pro is £9/month and Team starts from £25/month. Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.

Free bookkeeping and HMRC tax filing + Free DOJO Go Card Reader (RRP £179)

Counting Up Business Current Account

AccountingCash DepositsFast OpeningNo Hard Credit Check

• Monthly Fee:
  £3
• Bank Transfers:
  30p
• Overdraft:
  No
• Account Access:
  App Only
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  MORE INFO

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MORE INFO

Great For:

• Free bookkeeping and automated transaction categorisation
• VAT Filing direct to HMRC for free

To Consider:

• The price increases with account usage
• An e-money product with no branch access

Great For:

• Free bookkeeping and automated transaction categorisation
• VAT Filing direct to HMRC for free

To Consider:

• The price increases with account usage
• An e-money product with no branch access

Features:

• Monthly subscription fees that go up and down in line with your business performance
• Rated ‘Excellent’ based on over 2,000 reviews on Trustpilot
• Built-in accounting software with receipt capture and live business insights

Criteria:

• Available to sole traders and limited companies
• You must be 18+ and a UK resident

SEE DEAL

*Offer available for new Dojo customers only. Your Dojo account must be linked to your Countingup account to qualify for the offer.

Before You Go…

• For limited companies, please allow up to 72 hours from registering your business with Companies House before starting an application.

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Before You Go…

• For limited companies, please allow up to 72 hours from registering your business with Companies House before starting an application.

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Before You Go…

Airwallex is an all-in-one finance platform for businesses managing multi-currency accounts, cards, spend, payments, and billing across borders.

Airwallex does not support personal current accounts.

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Before You Go…

Airwallex is an all-in-one finance platform for businesses managing multi-currency accounts, cards, spend, payments, and billing across borders.

Airwallex does not support personal current accounts.

GO TO SITE

Before You Go…

Airwallex is an all-in-one finance platform for businesses managing multi-currency accounts, cards, spend, payments, and billing across borders.

Airwallex does not support personal current accounts.

GO TO SITE

	The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of eligible deposits per person or company, per firm, which is authorised and regulated by the Financial Conduct Authority (FCA). The limit is the total of all deposits held with one firm. For more information visit www.fscs.org.uk.
Branch AccessCash DepositsNo Hard Credit CheckFast OpeningGlobal Currency AccountsAccounting	BRANCH ACCESS Account provider maintains a nationwide branch access for face to face customer banking and/or relationship management. CASH DEPOSITS Facilities to deposit cash in either a branch, Post Office, Paypoint or other locations into the account. Limits and charges may apply. NO HARD CREDIT CHECK A soft credit check for ID & Fraud purposes is carried out for account only applications. If you apply for a credit product such as an overdraft with the business account, a hard credit check will be initiated. FAST OPENING Accounts opening in 3 days or less in most circumstances. Excludes application timescales or applications simultaneously applying for credit facilities such as overdraft. GLOBAL CURRENCY ACCOUNTS Currency accounts with local (domestic) bank details for the EU (SEPA) and at least one international country e.g. USA (ACH) to transact as a local business. This feature can also be termed ‘local rails’. This differentiates them from providers offering local account details for the EU (SEPA) only and currency accounts or ‘pots’ that transact only via SWIFT. ACCOUNTING The provider offers accounting features either through their own platform or via integration with third-party software like Xero, QuickBooks or Sage. Please note that third-party integrations usually require a separate subscription fee.
	Exclusive to KnowYourBusiness. Valid only via applications linked from this website. Offer fulfilled by the account provider.
Important	Our comparison is ordered by the commercial arrangements with some, or all, of the providers featured. Our service is free and commercial arrangements have no effect on the products you may select. To find out more about our independence, regulatory authorisation and how we earn money, visit the ‘About’ page on our website.

Types of Business Bank Account Available

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