Community bank account

Banking for not for profit organisations

An everyday account for charities, clubs and societies

Free banking if your turnover is up to 100k

18 months free banking for startup organisations (subject to status)

24/7 Online Banking and Phone Banking

Bank anywhere with our mobile banking app

This current account is for not for profit limited companies registered at Companies House, clubs and societies, churches and places worship, registered and unregistered charities, charitable incorporated organisations (CIOs) and non-personal trusts. This account can use our Mobile Banking app which was voted “Best Banking app” at the 2018 British Banking Awards. Want to see our other business current accounts? See the range

This account in detail…

Features

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

24/7 Online Banking

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

24/7 banking – in detail

NatWest Online Banking lets you carry our most of your day-to-day banking activities and view up to 7 years of transactions. 

Alternatively, use Telephone Banking and speak with one of our UK based advisors. Our lines are open 24/7, 365 days a year.

What you should know

Online Banking is available to NatWest account holders. To make a payment using our Telephone Banking service you need to be fully enrolled for security purposes.

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.

Mobile banking app – in detail

Our app was voted ‘Best Banking App’ in the British Bank Awards 2018. It lets you view your accounts, check recent transactions and make payments.

What you should know

You must have a NatWest business bank account to use our mobile app. The Mobile App is available to Online Banking customers with a UK or international mobile number in specific countries.

Everyday support

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

Everyday support – in detail

Our Business current account supports your day to day banking needs. You can set up Direct Debits for utility payments and Standing Orders to make regular payments to suppliers etc. You can have a chequebook if you need one and you can also set up text alerts.

What are text alerts?

Text alerts are a great way of keeping tabs on your account. You can get a text alert to let you know when your balance is about to go below a certain limit, or to let you know what your balance is at a specific time.  You can set them up when you fill in the online application form or in our Mobile Banking app.

What you should know

  • Cash withdrawals and cheques have charges attached to them. Please read our Business Account Charges for full information
  • The Business current account does not pay interest on balances. You might also need a Deposit account if you are likely to hold spare funds. We can set up an automatic transfer to move money between accounts, to maximise your spare funds
  • Any balances over £85,000 are not covered by the Financial Services Compensation Scheme

Chequebook and paying in book

You can have a chequebook and a paying in book too (useful If you’re receiving cash or cheques).

Benefits

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.

Free banking for existing organisations

If you’re a not for profit organisation with an annual turnover that doesn’t go over £100,000, you could qualify for free banking. If after your first 18 months of operating, you have a turnover of over £100,000, you will automatically move on to our standard tariff.

Free banking – in detail

We offer free banking, subject to status, to not for profit organisations as long as your annual turnover across accounts doesn't go over £100,000. 

What you should know

Our standard tariff will apply if your organisation’s annual credit turnover, across accounts, is more than £100,000.

'Free banking' means that the charges for the day-to-day running of your account (known in the Business Account Charges information as your 'service charge') will not apply.  Charges for 'additional services' and 'unarranged borrowing' detailed in the Business Account charges information are not part of the free banking offer.

Charges

Simple terms and charges information

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

Charges - in detail

To find out more about the charges involved check out our charges pages:

Business account charges booklet (PDF, 137kb)

Summarised business account charges booklet (PDF, 81kb)

Switch

Want to switch your business account to NatWest?

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

Switching to NatWest – in detail

Switching bank accounts is really easy. Just look out for the question in the online application that asks if you want to use our Switching Service.

 

Our Switching Service will move everything across from your old account to your new NatWest account, including Direct Debits, standing orders etc., within 7 working days. It’s completely free and is backed by an industry-wide guarantee to ensure the move goes smoothly. The switching offer doesn’t include any fees you may have to pay to end any arrangements with your existing bank.   

 

Learn more about the Current Account Switch Service

Useful info about this account

No, we have another account, our Commercial current account, if your turnover is above £2m.

Yes, the Current Account Switch Guarantee Service makes it really easy. To find out about switching, check out the Current Account Switch Guarantee Service.

Yes. To register for the mobile app, you'll need your 10-digit customer number, your 4-digit PIN, your Online Banking password and your mobile phone number. Download the app here and send yourself a link.                            

If you don’t have Online Banking, registering is simple and only takes a few minutes. Visit our Online Banking page to find out how. If you have a business debit card, you might get instant access to your accounts. 

As a bank we define a church and a religious organisation as two different types of organisations. We define a church as being based in a religious building. Whereas a religious organisation may operate the same way and have the same functions of a church but do not operate in a religious building (perhaps in a rented space in a town hall or scout building). If you are a church, then there may be more questions that we may need to ask you and we’ll likely be in contact about your application. 

You’ll need the personal details of all of the directors of the not for profits/clubs/societies (including their home addresses for the last 3 years). You’ll also need your business details, including your Company’s Registration Number (provided by Companies House) if you’re a limited company. All the details are in the "Ready to apply" section, which will help you to prepare.

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 community bank account. Let's get started. Are you a...

What kind of community group are you?

So, you’re a Registered Charity. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

 

Your charity number

Charity Numbers are provided by the Charity Commission when you register a charity with them

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

So, you’re a Club or Society. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

So, you’re a Church or Religious Organisation. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

 

Your charity number

Charity Numbers are provided by the Charity Commission when you register a charity with them

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

So, you’re a Non-personal Trust. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

Sorry, our online application is unavailable at the moment

If you need to speak to someone urgently, please call us

OK so you're an existing customer. Is the bank account...

What kind of community group are you?

So, you’re a Registered Charity. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

 

Your charity number

Charity Numbers are provided by the Charity Commission when you register a charity with them

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

So, you’re a Club or Society. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

So, you’re a Church or Religious Organisation. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

 

Your charity number

Charity Numbers are provided by the Charity Commission when you register a charity with them

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

So, you’re a Non-personal Trust. Here are the things we’ll need from all the trustees, members or signatories…

Personal details

  • Full names (including middle names)
  • Personal addresses and date of entry to the address (if it’s less than three years, we’ll need previous address)
  • Date of birth and country/town of birth
  • Contact details (including contact numbers and email addresses)
  • Nationality (including details of any dual nationalities/citizenships)
  • Tax purpose residency details (which country are they resident for tax purposes)
  • Confirmation that applicants haven't been insolvent, bankrupt, sequestrated or involved in any court proceedings for debt, or made arrangements with creditors. (If any of these have happened to any applicants, we may need more information)

Organisation details

  • Trading and registered addresses, along with organisation contact details
  • Information about your organisation's activities, including income and expenditure, membership structure and number of members
  • Details of countries in which your organisation operates
  • Details about any countries you, or your organisation, are registered in for tax purposes

Additional information we may require

We may require this additional information from you before we can progress your application, so please try to have it ready:

  • Governing Documents. These can be in the form of a constitution or articles of association
  • Overseas payment details. If your organisation sends money overseas, we will need info on the recipient and that includes how the money will be sent; approximate amounts sent; name of recipient and country
  • Bank statements. If your organisation is transferring from another bank, we will require copies of 3 months’ bank statements of your existing account

How to submit your ID online

To make it easier for you to provide us with your ID, you can do it online. We have a service, called DigiDocs that can verify your ID safely and securely.  You just need to supply us with your UK mobile number and email.

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.

And now for the important legal stuff…

To apply for our Community current account, you must meet these requirements

  • Your organisation's annual turnover is under £2m
  • You and any other account holder will be aged 18 or over
  • You will be a signatory on behalf of organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

Are you ready to continue?

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

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 Community account. They can start the application for you and arrange to get the appropriate signatures. 

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

No problem. We can still help

Lines are open 9am-7pm Monday to Friday and 9am-2pm on Saturdays. Calls may be recorded and call charges from residential, business and mobiles vary, depending on your telephone operator's tariff.

Sorry, our online application is unavailable at the moment

If you need to speak to someone urgently, please call us

Recently saved your online business account application?

You can continue your application by logging back in using the email address and password you signed up with.

Additional support for your business

Social and community capital

We’re sure you’ll make a big positive impact, but sometimes it's difficult to get the finance you need to grow. We can offer support and alternative funding. 

Manage your account

Want to get more from your business account? Learn about account charges, how to change signatories, our free Financial Health Check and more. 

Boost your business

Ready to take your business to the next level? Our Business Growth Enablers will help boost your connections, your skills and your knowledge.

Something else we can help you with?