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Start up business account

18 months transaction fee-free banking, then pay as you go

Banking designed to give your business the best possible start

18 months transaction fee free business banking, then pay as you go

We won't charge you for day-to-day banking for the first 18 months. 

Only pay for unarranged borrowing, additional services, Bankline charges and international payments

After your free banking period ends, our standard tariffs will apply and there's no minimum monthly charge

Free accounting software with FreeAgent

As a Natwest Business customer, you can apply for FreeAgent

Hassle free. Link your business bank account directly with FreeAgent 

Take control. Invoices, expenses and bank accounts in one place

FreeAgent software is free for NatWest business customers

Get your business ready to start, scale and succeed

Apply to Business Builder to access online business learning modules

Join the Business Builder’s digital community and learn from experts and like-minded businesses

Have access to our comprehensive programme of networking events in your local region

Access your account however it suits you

Choose from the different ways to bank with us

Most banking activities available through Online Banking

Mobile Banking app

UK based telephone banking lines open 24/7, 365 days a year

Need more information before you decide?

Read on for more account features and benefits.

Supporting female entrepreneurs

We’re committed to supporting female business leaders to achieve their ambitions by empowering them and breaking down barriers. Find out more about Women in Business programme and how to apply for the UK’s most exciting and accessible start-up programme for women.

UK residents with new UK projects can apply. Eligibility (including type of project), and specific criteria apply. Fees apply, see the help centre for more details.

Apply for our Business Credit Card to manage your expenses

No annual fee for the first year (normally £30)

56 days interest-free credit period on purchases

Free ClearSpend app gives you complete control of your account in real-time and lets employees check their balance on the go

Grow your business network

Apply to meet with experts and like-minded businesses, as well as gain access to a wealth of free learning tools to set up and grow your business through our free Business Growth Events.

Simple charges with no minimum monthly charge

At the end of your 18 month free banking period, you'll move onto our Standard Tariff. See our full list of business account charges:

Business account charges booklet (PDF, 53KB)

Summarised business account charges booklet (PDF, 46KB)

Useful info about this account

Managing your business finances has never been easier

Visit our servicing hub for instant access to managing your business accounts, loans, credit cards and any other business service you have from NatWest. 

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account, all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the switch to start.

Current Account Switch Guarantee (PDF, 40KB)

Your Guide to switching your account to us (PDF, 2.3MB)

How does the Switch service work?

Applying as an existing personal customer?

You can apply for a new business account as an existing personal customer if you meet the following criteria:

Your business was established before 1st March 2020

You operate your business solely through a NatWest personal account

Unfortunately if you don’t meet these criteria, we are not able to accept your application.

Apply now

Thanks for choosing our Start up bank account. Let's get started.

Are you a...
OK, so you're an existing customer. Is the bank account for...

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info

 

 

How your information might be used

 

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Thanks! Looks like you’re all set and ready to begin

By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

If you’re not eligible for our Startup or Business accounts, we may offer you our Foundation account. There are no borrowing facilities available with a Foundation account.

 

COVID-19: Application times

It's taking longer than usual to process new account applications. We're working hard to speed this up. Thank you for your patience.

Do you have a relationship manager?

Call your Relationship Manager

You should have a direct number for them. You can discuss applying for an additional Startup business account with them. They can start the application for you and arrange to get the appropriate signatures. 

No problem. We can still help

For businesses in England or Wales, please call us on 0345 711 4477.

Relay UK Service:

 

18001 0345 711 4477 (England and Wales)

18001 0345 307 0600 (Scotland)

 

For more information on accessibility, visit: https://www.business.natwest.com/business/accessibility.html

 

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important information

 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Thanks! Looks like you’re all set and ready to begin

By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

If you’re not eligible for our Business accounts, we may offer you our Foundation account. There are no borrowing facilities available with a Foundation account

What if my business is based in Scotland?

If your business will be based in Scotland, please give us a call on 0345 307 0600.

Relay UK Service: 18001 0345 307 0600

For more information on accessibility, visit: https://www.business.natwest.com/business/accessibility.html

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

 

COVID-19: Application times

It's taking longer than usual to process new account applications. We're working hard to speed this up. Thank you for your patience.

We're currently prioritising account applications for existing NatWest customers. Unfortunately this means we're not able to accept new applications for customers of other Banks.

You may be able to access support more quickly by contacting your current bank.

Already started an application?

Log in to continue or check the status of your application in our online application centre

You can use the same details that you created when you applied for your business account. If you haven’t already set up access to your online application centre, you can create a login now

Additional support for your business

Ways to bank

Choose the most convenient and easiest way for you to bank. We offer Online Banking, Mobile Banking and Bankline. Business banking at its best.

Tax-record keeping, VAT and more

Does the mere mention of those items give you sweaty palms and a feeling of dread? We’re on hand to help you.

Grow your business network

Meet with experts and like-minded businesses, as well as gain access to a wealth of free learning tools to set up and grow your business through our free Business Growth Events.

Something else we can help you with?