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Proud Partners of Team GB

Get a head start with our Start-up business bank account

On your marks, get set, go!

Designed to help you achieve more

Free banking on everyday transactions for the first 2 years

Free accounting software from FreeAgent

Free support to help you grow

What you pay for - and what you don't

Apply for our Start-up account

Have 10 minutes? Let's get started. 

Great, let’s first check if 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 is in the UK
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

 

Please take some time to review this important information.

 

 

Frequently asked questions

 

A quick note...

During your application, you'll have to select the type of account you'll need:

  • a Business Current Account - used for the day to day running of your business, OR
  • Loan Servicing Account - used ONLY for loan repayment purposes. You'll need this if you have a loan with us, but not your current account(s). 

Should you select the incorrect account, you will need to reapply choosing the correct option.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

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

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

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

We’re here to help you thrive

  • Bank anywhere with Online Banking, our mobile app, or at our network of branches or local Post Office
  • 24/7 messaging support, plus the option to give us a call or stop by your local branch
  • Instant payment notifications, in-app cheque deposit (limits and fees may apply), and business spending categories to help manage your money
  • Multi-director access so eligible directors can have full visibility of accounts and spending

Cash flow support

Loans and finance options

Explore options based on your size, your needs, and your goals.

Security may be required. Product fees may apply. Subject to Status.

See your options

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Business credit card

No annual fee for the first year (normally £30). Plus, you can manage your account with the ClearSpend app.*
 

Our credit card features

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The flexibility of an overdraft

Our business overdraft helps you prepare for the unexpected. You’ll only pay interest on what you borrow.

Security may be required. Product fees may apply. Subject to Status.

Find out about overdrafts

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Business savings accounts

We’ve raised our rates across our savings account range. As an example, our Liquidity Manager 95-day Notice Account now has an interest rate of 4.25% AER, 4.17% Gross p.a. (variable).

Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals are not permitted.

View all business savings accounts

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Questions about our Start-up account?

Need more information before you apply?

Switch to us

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 business days.
 

Current Account Switch Guarantee (PDF, 40KB)
 

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

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Info about charges

At the end of your 2-year free banking period, you’ll move on to our Standard Tariff, with no minimum monthly charge.

Business Account Charges Booklet (PDF, 80KB)

 

Summarised Business Account Charges Booklet (PDF, 79KB)

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You're safe with us

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

Financial Services Compensation Scheme Guide (PDF, 45KB)

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