Search
Search
Overlay
Start up business account

18 months transaction fee-free banking

On this page
Account Summary
Useful info
Start up support
Ready to apply

The account for start up businesses

No transaction fees for the first 18 months

24/7 Online, telephone and mobile app banking

Quick online application process

An overdraft if you need it (subject to approval)

More than just a bank account, we can help with:

Hassle-free accounting software

  • FreeAgent software keeps all your invoices and expenses in one place
  • Fee-free for NatWest business customers

A simple way to take payments online

  • Use Tyl to make it simple for your customers to pay you
  • Get money into your account the next working day. Fees apply

Ways to build your business community

  • Learn from experts and other business owners
  • A programme of networking events to help your business

Expert business advice and guidance whatever stage you’re at

We know what it takes to run a business, and we’re here to help yours grow. We’ve got useful tips, business tools and welcoming communities where you can learn and thrive.

Discover our Start up support

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.

Apply now

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

Continue

Before you continue...

If you are looking to open a Start up account in order to apply for the government-backed Bounce Back Loan (BBL) Scheme, please note that the Bounce Back Loan and Top-Up scheme is now closed.

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

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 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.

Previous
Next

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.

 

What if my business is based in Scotland?

If your business will be based in Scotland, please apply below or give us a call on 0345 711 4477.

 

Relay UK Service: 18001 0345 711 4477


More information on Accessibility.

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

Previous
Do you have a Relationship Manager?
Previous
Next

Call your Relationship Manager

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

 

When can I call?

Business and Relationship Managers are available 9am-5pm Monday to Friday.

Previous

No problem. We can still help.

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

 

What if my business is based in Scotland?

If your business will be based in Scotland, please download an additional account form or give us a call on 0345 307 0600.

 

Relay UK Service:

18001 0345 711 4477 (England and Wales)

18001 0345 307 0600  (Scotland)

 

More information on Accessibility.

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

Previous

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 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 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.

Previous
Next

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.

 

What if my business is based in Scotland?

If your business will be based in Scotland, please apply below or give us a call on 0345 711 4477.

 

Relay UK Service: 18001 0345 711 4477


More information on Accessibility.

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

Previous

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 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 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.

Previous
Next

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.

 

What if my business is based in Scotland?

If your business will be based in Scotland, please apply with Royal Bank or give us a call on 0345 600 2230.

 

Relay UK Service: 18001 0345 600 2230

 

More information on Accessibility.

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

Previous

Useful info about this account

Need more information before you apply?

Switch to NatWest

The Current Account Switch Service will do all the work, moving everything across from your old business account to your new one, all within 7 working days.
 

Current Account Switch Guarantee (PDF, 40KB)

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

Simple charges

At the end of your 18-month free banking period, you’ll move on to our Standard Tariff, with no minimum monthly charge.

 

Business account charges booklet (PDF, 53KB)

Summarised business account charges booklet (PDF, 46KB)

Business credit card

With no annual fee for the first year (normally £30), our business credit card is great for new businesses. You’ll also be able to manage your account with the ClearSpend app.

 

Our credit card features

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.

Something else we can help you with?

Support centre

@NatWestBusiness

Branch Locator