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Start up business account

Get off to a great start with our account

We understand that choosing your bank account isn’t the most exciting part of your new business. And as you've probably got a million and one things on your to-do list right now, we'll make this bit quick. You can apply for our account in as little as 10 minutes (although it might take us a little longer to get everything set up).

What do you want from a start-up business account?

A time-saving app and online banking

Tick. Next. Criteria apply.

A safe place for your money

Absolutely. We’re a major high street bank, and deposits of up to £85K are backed by the FSCS.

A chance to save some money

We don’t charge transaction fees for the first year and a half, which could give you more money in your pocket to get your business up and running.

What else could you get?

Know-how for business start-ups

We know starting out is tough, so we’ve got programmes and schemes like Business Builder and our Local Enterprise Managers to help you take the next step. You can tap into their support to move your business forward. You'll also have access to MentorDigital.

Support from award-winning accounting software*

Used by over 100,000 small businesses to monitor cashflow, send invoices and record expenses, you could run your business more efficiently with FreeAgent. It could also help you to stay on top of your tax as well.

Help from clever tech to make and take payments

Right now, with the world changing around us, more customers than ever are looking for digital ways to pay for goods and services. Tyl is our payment solution. It’ll make it simple for you to take and, more importantly, get money. Fees apply.

Our start-up account also gives you:

A speedy online application process that won’t take up too much of your time

Tools to help you bank whenever it suits you, using our simple online and app banking (criteria apply)

The option to access an overdraft if you need it (subject to approval).

Apply now

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

Before you continue...

The following page allows you to choose which type of account you wish to open. You can choose from a Business Start-up Account or a Loan Servicing Account. Please select the Loan Servicing account only if you have already applied for a loan and have chosen to open a Loan Servicing Account. This account can only be used for loan repayment purposes.

Are you...
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 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.

 

What if my business is based in Scotland?

If your business will be based in Scotland and you currently hold an existing NatWest business account,  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.

Your application can be completed online

This is the fastest way to complete your application.

1. HooYu is our trusted online identification and security partner.

2. We may use HooYu to check your identity by matching you to your Photo ID. It may also need you to provide proof of your address and business documents. Find out more.

3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
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 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.

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 and you currently hold an existing NatWest business account 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.

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.

 

What if my business is based in Scotland?

If your business will be based in Scotland and you do not currently hold an existing NatWest business account 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.

Your application can be completed online

This is the fastest way to complete your application.

1. HooYu is our trusted online identification and security partner.

2. We may use HooYu to check your identity by matching you to your Photo ID. It may also need you to provide proof of your address and business documents. Find out more.

3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.

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.

 

What if my business is based in Scotland?

If your business will be based in Scotland and you do not currently hold an existing NatWest business account, 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.

Your application can be completed online

This is the fastest way to complete your application.

1. HooYu is our trusted online identification and security partner.

2. We may use HooYu to check your identity by matching you to your Photo ID. It may also need you to provide proof of your address and business documents. Find out more.

3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.

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)

Need a 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

Something else we can help you with?