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Start up business account
18 months transaction fee-free banking, then pay as you go
COVID-19: Applications
We're currently prioritising account applications for existing NatWest customers. Unfortunately this means we are 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.
Checking the status of your application
You can log in to check the status of your start-up business account application in our online application centre. Use the same details that you created when you applied for your business account.
Why not try Cora? Our online assistant can help you with many common questions. If not, we'll put you in touch with an expert.
Click 'Chat now' on the right hand side of the page.
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
The Start up business account is available for businesses that have been trading for less than 1 year and have a turnover of less than £1m. It is available for eligible customers who are over 18 and have the right to be self-employed in the UK. We reserve the right to change or withdraw the start up offer without prior notice.
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
To apply for a NatWest Business credit card, you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with NatWest. Your registered business must be in the UK and you should be registered for tax purposes in the UK. The NatWest Business credit card is subject to status and for business use only. Applications for our Business credit card are subject to approval. If you apply for any other credit facilities, security may be required and product fees may apply.
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)
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.
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
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.