Start up bank account

A current account for companies trading less than a year. Option of free online accounting software

We’re doing our bit to help start up businesses

18-months free business banking, before standard published tariff applies

Access free online accounting software with this business banking current account

Dedicated 'Start up Package'

24/7 Online and Telephone banking

Bank anywhere with our mobile app

This 'Start up business account' is available for businesses that have been trading for less than 1 year and have a projected or existing annual turnover of less than £1m. Want to see our other business current accounts? See the range

Free accounting software? Yes please.

Managing your business finances doesn’t have to be costly or complicated.

As a NatWest business current account holder, you can access FreeAgent’s online accounting software for free (subject to client retaining their NatWest business current account). You’ll get the complete package, with benefits designed specifically for small businesses, including:

Invoices, expenses and bank accounts in one place

Time tracking

Tax Timeline

This account in detail…

Start ups

Apply for a business credit card

You won’t pay any annual fee for the first 12 months. The annual fee is normally £30 per card issued. You can choose to apply for the business credit card during your bank account application.

Apply for a business overdraft

Be prepared for the unexpected with a business overdraft.

18 months free business banking

That’s right you read that correctly! There’s no annual fee.

Free accounting software

This account gives you access to FreeAgent, which makes business bookkeeping really easy.


Visa debit card

Need to pay for business purchases in shops and online or withdraw cash? That’s where the Visa debit card comes in handy. Use Apple Pay and Google Pay™ for payments with your phone.

24/7 Online Banking

Our Online Banking service means you can access your business account, whenever it suits you.

Mobile Banking app

Our Mobile Banking app is secure, easy-to-use and lets you do loads of useful business banking tasks when you’re out and about.

Everyday support

Get text alerts, email alerts, manage Direct Debits and more.


Managing cashflow is easy

Because you can access your account 24/7 online or through the app, you know exactly where you stand. You can see what’s gone out, what’s come in and what invoices have been paid.

Discount on DHL Express

Get at least 60% off the standard tariff for 12 months on international shipping when you open a DHL Express account.

Receipt Management

Free access to our Receipt Management tool.


Simple terms and charges information

Our Terms and Charges info is clear and simple. Interest is calculated daily and is charged quarterly.

Want to switch your business account to NatWest?

We can help you switch bank accounts when you apply online.

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. 

What you’ll need to open an account

Participating providers of UK business bank accounts have agreed to a basic set of information that they will need from you to set up your UK business current account.

Find out what you’ll need to provide using the simple business banking checklist from UK Finance, the UK’s leading trade association for financial services.

Ready to apply

Great, thanks for choosing our Startup business account. Let's get started. Are you a…

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 start up 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


FreeAgent is cloud based business accounting software that helps you save time on managing your books. We’re offering it free to our business customers.

Tax-record keeping, VAT and more

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

Discount on DHL Express

As business account holder, you can benefit from at least 60% off the standard DHL tariff for 12 months on international shipping when you open a DHL Express account.


Something else we can help you with?