Business Bank Accounts - No Credit Checks

  • Get a business bank account without the need for credit checks.
  • Make the most of business banking service regardless of your credit rating.
  • Compare business bank accounts with no credit checks from leading UK providers.

Choose your business current account options

15 products found
    • ANNA Money logo

      ANNA Money £0 a month

      • Monthly Fee
        Free
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App only
    • ANNA Money logo

      ANNA Money £4.90 a month

      • Monthly Fee
        £4.90
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App only
    • ANNA Money logo

      ANNA Money £9.90 a month

      • Monthly Fee
        £9.90
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App only
    • ANNA Money logo

      ANNA Money £19.90 a month

      • Monthly Fee
        £19.90
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App only
    • See 3 more ANNA Money products
    • Tide logo

      Tide Business Bank Account

      • Monthly Fee
        Free
      • Card Purchases
        Free
      • Bank Transfers
        20p
      • Overdraft
      • Access
        App & Online
    • Tide logo

      Tide Plus Business Bank Account

      • Monthly Fee
        £9.99
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App & Online
    • See 1 more Tide product
    • Cashplus logo

      Cashplus Business Bank Account

      • Monthly Fee
        Free
      • Card Purchases
        Free
      • Bank Transfers
        30p
      • Overdraft
      • Access
        App & Online
    • Cashplus logo

      Cashplus Business Bank Account with Cashback

      • Monthly Fee
        £69 per year
      • Card Purchases
        Free
      • Bank Transfers
        99p
      • Overdraft
      • Access
        App & Online
    • See 1 more Cashplus product
  • Starling Bank logo

    Starling Business Bank Account

    • Monthly Fee
      Free
    • Card Purchases
      Free
    • Bank Transfers
      Free
    • Overdraft
    • Access
      App & Online
  • Acorn logo

    Acorn Business Account

    • Monthly Fee
      £12.50
    • Card Purchases
      Free
    • Bank Transfers
      30p
    • Overdraft
    • Access
      App & Online
    • Countingup logo

      CountingUp Starter

      • Monthly Fee
        Free
      • Card Purchases
        Free
      • Bank Transfers
        20p
      • Overdraft
      • Access
        App only
    • Countingup logo

      CountingUp Premium

      • Monthly Fee
        £9.95
      • Card Purchases
        Free
      • Bank Transfers
        20p
      • Overdraft
      • Access
        App only
    • Countingup logo

      CountingUp Standard

      • Monthly Fee
        £4.95
      • Card Purchases
        Free
      • Bank Transfers
        20p
      • Overdraft
      • Access
        App only
    • See 2 more Countingup products
  • CardOneMoney logo

    CardOneMoney Business Account

    • Monthly Fee
      £12.50*
    • Card Purchases
      Free
    • Bank Transfers
      30p
    • Overdraft
    • Access
      App & Online
  • CardOneMoney logo

    Cardone Corporate Account

    • Monthly Fee
      Bespoke
    • Card Purchases
      Free
    • Bank Transfers
      Bespoke
    • Overdraft
    • Access
      App & Online

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. Use the drop down menu at the top of the page to order by other criteria.

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Last updated on 10 May 2021.

No credit check business bank accounts FAQ

Can I get a business bank account if I have poor credit?

When you apply for a business bank account, your personal credit history will be checked, even though the account is for your business. Therefore, if you have a poor credit history, you might struggle to secure a regular business bank account. Luckily, there are alternatives and it is now possible to access business bank accounts with poor credit ratings, even if you have past bankruptcy or CCJs on your record.

What services do no credit check business bank accounts offer?

No credit check business bank accounts often offer similar services to regular business bank accounts. However, they may not offer overdraft services. Here are some of the services commonly offered by no credit check business bank accounts:

  • Receiving payments
  • Paying invoices
  • Cash withdrawals
  • Making bank transfers
  • Setting up direct debits
  • Setting up standing orders
  • Managing your finances through an app
  • Credit-building tools
  • Make payments with a card
  • Buy items online with a card
  • Accounting tools that can help with expenses and tax calculations

Will my bank offer me a no credit check business account?

Although it's unlikely your regular bank will offer you a business account without a credit check, if you already have a basic bank account, it might be worth asking whether your bank offers this service.

Do I need a business bank account?

If you want to set up a limited company, getting a business bank account is mandatory. The idea is to make sure your business finances are separated from your personal finances. If you have a poor credit rating, this means that you will need to seek out a no credit check business account in order to operate your business. If you are a sole trader, you are able, by law, to put your business finances through your personal account, so you aren't legally required to set up a business bank account.

Are no credit check business bank accounts free?

Not usually. Most business bank accounts charge fees, transaction charges or both, and no credit check business bank accounts also usually charge fees. However, this isn't always the case and the costs can vary dramatically between accounts, so it pays to research this further before deciding which provider to go with.

Many business bank accounts that can be opened with no credit checks offer free banking periods when you first sign up, but charges usually start to be payable after that period, so check the details of your account closely.

Are no credit check business accounts available to larger businesses?

Yes, many no credit check business account providers offer their accounts to organisations of all types and sizes. Some even offer the option to take out a number of cards for staff members to use.

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