Compare Business Bank Accounts for Startups

  • Finding the right bank account for your start up is an important step.
  • Make the most of the latest free banking deals by shopping around.
  • Compare accounts from leading high street banks and innovative alternatives.

Choose your business current account options

23 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
    • Tide logo

      Tide Cashback Business Bank Account

      • Monthly Fee
        £49.99
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App & Online
    • See 2 more Tide products
    • 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
  • HSBC logo

    HSBC Kinetic Business Current Account

    • Monthly Fee
      £6.50*
    • Card Purchases
      Free
    • Bank Transfers
      Free
    • Overdraft
    • Access
      App & Online
  • Mettle logo

    Mettle by NatWest

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

      Companies: Revolut Grow

      • Monthly Fee
        £25
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App & Online
    • Revolut logo

      Companies: Revolut Scale

      • Monthly Fee
        £100
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App & Online
    • Revolut logo

      Companies: Revolut Free

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

      Companies: Revolut Enterprise

      • Monthly Fee
        Contact Revolut for details
      • Card Purchases
        Free
      • Bank Transfers
        Free
      • Overdraft
      • Access
        App & Online
    • See 3 more Revolut products
  • Virgin Money logo

    Virgin Money Business Current Account

    • Monthly Fee
      £6.50
    • Card Purchases
      Free
    • Bank Transfers
      Free
    • Overdraft
    • Access
      Branch, app & online
  • Lloyds Bank logo

    Lloyds Bank Business Banking Start Up Account

    • Monthly Fee
      £7*
    • Card Purchases
      Free
    • Bank Transfers
      Free
    • Overdraft
    • Access
      Branch, App or 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 09 November 2020.

Start-up Business Bank Accounts

Where do I begin when looking for a start-up business bank account?

Financial providers typically agree on the standards required to open new business accounts, with slight variances regarding products they provide or individual requirements. However, they can differ greatly from one another by offering a wide variety of deals through their start-up business bank accounts.

These can come in the form of offers for free business banking periods, for example. Providers can offer you anything from a year to 18 months in some cases. Providers are also increasingly able to offer digital banking services, which can help make managing your new business bank account easier.

What personal information do I need to provide to open a start-up business bank account?

Virtually all providers will ask you to produce a valid proof of identity (e.g. passport, driving licence), a valid document to prove you reside in the UK, as well as a registered company address. Other personal details required include some form of tax identification, such as a national insurance number.

Some providers require you to include valid ID for anyone in your business who owns a 25 per cent share in your business and anyone who is an account operator, director or partner.

What details must I disclose about my business?

You will usually be required to provide an official name for your business, a valid company registration number, the registered address for the business, as given by Company House, as well as the date which the business began trading.

To ensure easy correspondence, your provider would also require contact details for your business, so make sure to include appropriate phone numbers, email addresses and the business address itself.

Do I have to provide financial information?

Yes, providers would typically need to know the financial state of your business. This can include expected turnover, and the likely size of transfers in or out of the account. This gives your provider an idea about what size your business bank account may prove to be. You should also be clear about where your income is derived from, as financial institutions must ensure that they do not facilitate criminal activity.

It is also vital to include information about how many employees you expect to have on your payroll. Concerning investment in your start-up, you would need to provide details about the sources of any new investments. Tax status is also essential for your provider. If you are a limited company, for example, you will have a Unique Tax Reference number that you would be expected to provide.

My start-up plans to trade outside the UK, can I still open a start-up business bank account?

All you have to do is be clear about the people you work with or provide services for, as well as the places you plan to do business in. For example, if you require things from international suppliers or have customers abroad, you would be required to provide a list of their names and where they are based. You may also be asked to give a breakdown of how much of your turnover is derived from these international suppliers or customers.

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