Are you struggling to find the best business account for your small business in the UK? With so many options available, it’s easy to feel overwhelmed by the different offers, fees, and features.
Choosing the right business bank account is crucial for managing your finances smoothly, whether you’re just starting out or looking to upgrade. The perfect account can save you time, reduce costs, and even offer helpful perks like accounting integrations or cashback rewards.
In this guide, we’ve reviewed and compared the top options available today. Whether you need simple digital banking, access to branches, or advanced financial tools, you’ll find a match here. Let’s explore the top 13 best business accounts for small businesses in the UK and help you make a confident, informed decision for your company’s future.
Why Choosing the Best Business Account Matter?
Selecting the best business account isn’t just about saving money, it’s about building a strong financial foundation for your company. The right account will support your cash flow, streamline daily transactions, and offer tools that simplify accounting and financial planning.
It can also improve your business credit score, opening doors to loans and future funding. Without a good business account, managing expenses, separating personal and business finances, and keeping track of invoices can quickly become chaotic.
Many banks now offer added services like invoicing, expense management apps, and accounting software integration. As a business owner, every pound saved on fees and every minute saved on admin tasks counts. Taking the time to choose the right bank account can directly impact your company’s efficiency and growth. It’s a key decision you don’t want to rush.
How We Selected the Best Business Bank Accounts in the UK?
To create this list, we evaluated dozens of business accounts from banks operating in the UK. Our research focused on essential factors that matter to small businesses, including monthly fees, transaction costs, cash handling charges, accessibility, customer support, and digital features.
We also considered eligibility requirements, such as turnover limits and the types of businesses banks are willing to accept. Special offers like free periods, accounting software integrations, and cashback opportunities also played an important role in our ranking. Real customer reviews and expert opinions were factored in to ensure a balanced view.
We only included accounts that offer FSCS protection, safeguarding deposits up to £85,000. By focusing on value, flexibility, and reliability, this guide aims to help you find a business account that suits your company’s size, goals, and banking needs perfectly.
How to Choose the Right Business Bank Account?
Choosing the right business bank account depends on your company’s specific needs and future plans. Start by assessing how often you make transactions and whether you’ll be depositing cash or cheques regularly.
If you prefer online banking, look for banks with strong mobile apps and digital features. Some accounts offer integrations with accounting software like Xero, FreeAgent, or QuickBooks, saving you time on financial admin.
Costs are another major factor check monthly fees, transaction charges, and deposit fees carefully. Also, consider whether you need additional services like business loans, overdrafts, or credit cards.
If you operate locally, branch access might be important. For businesses aiming to scale, choose an account that can grow with you, offering flexible terms and support. Taking time to match your account to your real banking habits will pay off long-term.
13 Best Business Account for Small Business
1. Virgin Money M Account for Business
The Virgin Money M Account for Business is designed for startups and small businesses looking for a simple, cost-effective banking solution. This account offers free everyday transactions such as standing orders and direct debits, along with free cheque deposits via its mobile app.
Cash deposits are charged at 90p per £100, and businesses can also benefit from overdrafts up to £25,000, though setup fees apply. As a bonus, account holders receive a free three-month trial of QuickBooks or Xero accounting software. Virgin Money provides FSCS protection up to £85,000 and even supports charitable organisations with free banking if they meet the turnover criteria.
Eligibility is limited to businesses with an annual turnover under £1 million, and applicants must be UK-based (excluding certain regions). It’s a practical choice for digital-savvy businesses seeking low-cost, reliable banking.
| Feature | Details |
| Type of Account | Free M Account for Business |
| Monthly Fee | Free |
| Basic Transactions | Free (standing orders, direct debits) |
| Cash Deposits | 90p per £100 |
| Cheque Deposits | Free via mobile app |
| Overdraft Facility | Available up to £25,000 |
| Overdraft Terms | 2.5% establishment fee (minimum £120), 13.8% representative EAR |
| Accounting Software Integration | QuickBooks and Xero |
| Special Offer | 3 months free QuickBooks or Xero trial |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Businesses with turnover under £1m, UK-based (excluding Northern Ireland, Channel Islands, Isle of Man) |
| Account Perks | Cashback on debit card spending, retail discounts |
| Charity Support | Free banking for charities with turnover under £1m |
| Branch Coverage | Limited; no branches in South England, Wales, Northern Ireland |
Virgin Money’s M Account blends flexibility, affordability, and strong digital services. It’s an excellent choice for small businesses and charities needing low overheads.
The added bonuses like cashback and free accounting tools are valuable extras. However, businesses needing widespread branch access should consider their location carefully.
2. Starling Bank Business Account
Starling Bank’s Business Account stands out with its fee-free approach, fast setup, and intuitive mobile app. Designed for modern businesses, it offers free basic UK transactions, cash deposits through Post Offices, and cheque deposits via Freepost or app.
Overdraft facilities up to £50,000 are available with competitive terms, and users can add optional services like the Business Toolkit. Accounting integrations with Xero, QuickBooks, and FreeAgent make bookkeeping easier.
Starling Bank ensures FSCS protection for deposits, adding extra security for users. Though it lacks branch services, Starling delivers a powerful banking experience perfect for growing businesses focused on digital management.
| Feature | Details |
| Type of Account | Free Business Account |
| Monthly Fee | Free |
| Basic Transactions | Free (UK transfers, card payments) |
| Cash Deposits | 0.7% fee or £3 minimum at Post Office |
| Cheque Deposits | Free via app or Freepost |
| Overdraft Facility | Available up to £50,000 |
| Overdraft Terms | 11.5% representative EAR, 1.75% annual arrangement fee |
| Accounting Software Integration | Xero, QuickBooks, FreeAgent |
| Special Offer | None |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | UK-registered Limited Company or LLP; PSCs must be individuals and UK residents |
| Account Perks | Business Toolkit add-on, Euro and Dollar accounts |
| Branch Coverage | No physical branches; app-based services |
Starling Bank is an excellent choice for businesses that prefer managing everything digitally. With no monthly fee and simple accounting integrations, it offers real value.
However, those needing face-to-face services may find it less suitable. Overall, Starling remains one of the most user-friendly small business accounts in the UK.
3. Monzo Lite Business Account
Monzo’s Lite Business Account offers a straightforward solution for sole traders and small limited companies. With no monthly fees, free basic transactions, and a highly-rated mobile app, it’s designed for businesses that favour simplicity.
Cash deposits are allowed but come with a £1 fee and a £1,000 six-month limit. Cheques can be paid in digitally, but there’s no built-in accounting software support for Lite users.
Monzo provides a user-friendly experience, instant savings options, and FSCS protection for peace of mind. Although the Lite account lacks advanced features, it’s perfect for freelancers or new businesses needing low-cost, mobile-first banking.
| Feature | Details |
| Type of Account | Monzo Lite Business Account |
| Monthly Fee | Free |
| Basic Transactions | Free (UK bank transfers, card payments) |
| Cash Deposits | £1 fee, limited to £1,000 every six months |
| Cheque Deposits | Free via app |
| Overdraft Facility | Available up to £2,000 |
| Overdraft Terms | Up to 39% representative EAR |
| Accounting Software Integration | None with Lite account |
| Special Offer | None |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Sole traders or directors of Ltd companies, UK-based |
| Account Perks | Savings pots, fee-free international spending, 24/7 app support |
| Branch Coverage | No branches; digital-only banking |
Monzo Lite fits perfectly for businesses seeking flexibility without fees. It provides an excellent mobile banking experience tailored to sole traders.
However, businesses needing direct accounting integration might prefer upgrading. For basic and seamless banking, Monzo Lite remains a solid, smart option.
4. HSBC Small Business Banking Account
HSBC’s Small Business Banking Account offers a great starting point with a 12-month fee-free period. After that, a modest monthly fee applies.
Businesses can enjoy free standard transactions initially, while cash and cheque deposits are reasonably priced. HSBC supports business growth with optional overdrafts, loans, and full accounting integrations with Sage and Ember.
It’s ideal for businesses preferring multi-channel access, offering services online, via app, phone, and at branches. Sole traders and single director companies are directed towards other HSBC accounts, but SMEs with broader structures will find strong value here. Deposits are protected under FSCS, ensuring security for funds.
| Feature | Details |
| Type of Account | Small Business Banking Account |
| Monthly Fee | Free for 12 months, then £8/month |
| Basic Transactions | Free for 12 months |
| Cash Deposits | 1.5% fee on cash deposits |
| Cheque Deposits | 50p per cheque |
| Overdraft Facility | Available up to £100,000 |
| Overdraft Terms | Minimum £25 arrangement fee, 15.39% EAR variable |
| Accounting Software Integration | Sage, Ember |
| Special Offer | 12 months free banking |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | SMEs, not sole traders or single director companies, based in UK |
| Account Perks | Full branch network, overdrafts, loans, credit cards |
| Branch Coverage | Full UK branch coverage |
HSBC provides a strong blend of traditional and digital banking for growing businesses. The 12 months free banking offer is a big bonus for new startups.
If your company values having both physical branches and digital options, HSBC excels. Overall, it’s a well-rounded solution for SMEs ready to scale.
5. The Co-operative Bank Business Bank Account
The Co-operative Bank Business Current Account offers a straightforward, low-cost banking solution for sole traders and small companies. Basic UK transactions are free, but charges apply for cheque and cash deposits.
The bank supports online, mobile, phone, and branch management, providing good flexibility. Business overdrafts are available up to £250,000, subject to fees and eligibility checks.
Integration with accounting platforms like Xero and QuickBooks helps simplify bookkeeping. Charities and community groups also benefit from dedicated free banking options. While account setup can take longer than competitors, the Co-operative Bank offers ethical banking practices and FSCS protection up to £85,000.
| Feature | Details |
| Type of Account | Business Current Account |
| Monthly Fee | Free |
| Basic Transactions | Free |
| Cash Deposits | £1.50 per £100 |
| Cheque Deposits | £1.50 per cheque |
| Overdraft Facility | Available up to £250,000 |
| Overdraft Terms | 1.5% arrangement fee or £50 minimum; 11.03% EAR on overdrafts up to £25,000 |
| Accounting Software Integration | Xero, QuickBooks |
| Special Offer | Access to Clover payment terminals for £1/month |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Sole traders, limited companies with one director, UK-based |
| Account Perks | Ethical banking, charity support |
| Branch Coverage | Limited branch network; online services available |
The Co-operative Bank suits businesses that want simple digital banking with an ethical edge. Its free basic transactions offer great value for charities and startups.
However, slower account openings might not suit businesses needing immediate access. Overall, it’s a trustworthy choice for socially conscious entrepreneurs.
6. Barclays Business Account
Barclays’ Business Account provides robust features for established businesses with turnovers between £400,000 and £6.5 million. Customers benefit from a 12-month fee-free period followed by competitive monthly charges.
Free basic UK transactions, cash and cheque deposit options, and free access to FreshBooks accounting software offer strong appeal. Businesses also have access to overdrafts, loans, and business mortgages.
Integration with multiple accounting platforms is easy, boosting financial management. Barclays’ wide branch network provides face-to-face support if needed. Despite a moderate setup time, Barclays remains a strong option for businesses looking for flexible, multi-channel banking with room to grow.
| Feature | Details |
| Type of Account | Business Account |
| Monthly Fee | Free for 12 months, then £8.50/month |
| Basic Transactions | Free |
| Cash Deposits | 60p per £100 |
| Cheque Deposits | 60p per cheque |
| Overdraft Facility | Available up to £50,000 |
| Overdraft Terms | Representative EAR up to 17.71% |
| Accounting Software Integration | FreshBooks free access; Xero, QuickBooks compatible |
| Special Offer | Free invoicing and accounting tools |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Businesses trading over 12 months, UK-based |
| Account Perks | Loans, overdrafts, mortgages, flexible banking |
| Branch Coverage | Strong UK-wide branch network |
Barclays offers a good mix of digital and in-branch banking for growing businesses. The first year of free banking makes it attractive for scaling companies.
It’s an excellent choice for firms needing reliable service and in-person support. Overall, Barclays remains a go-to for well-established SMEs in the UK.
7. Allica Bank Business Rewards Account
The Allica Bank Business Rewards Account is a strong choice for larger small businesses with healthy balances. It offers free everyday UK banking but does not allow cash or cheque deposits.
Businesses benefit from impressive cashback incentives and a savings account with competitive interest rates. Overdrafts are not available, but business loans and accounting software integrations with Xero and Sage are supported. FSCS protection applies for eligible deposits.
To open an account, companies typically need a £50,000 minimum balance or an existing loan relationship with Allica. This account suits digitally confident businesses that want rewards and savings features without complex banking needs.
| Feature | Details |
| Type of Account | Business Rewards Account |
| Monthly Fee | Free |
| Basic Transactions | Free |
| Cash Deposits | Not available |
| Cheque Deposits | Not available |
| Overdraft Facility | Not available |
| Loans Offered | Available |
| Accounting Software Integration | Xero, Sage |
| Special Offer | Cashback up to 1.5% |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Businesses trading 12 months+, UK-based, £50k balance recommended |
| Account Perks | Cashback rewards, high-interest savings |
| Branch Coverage | No branches; digital service only |
Allica Bank’s business rewards model is ideal for financially stable companies. The cashback incentives and strong savings features add real extra value.
However, firms needing cash deposits should look elsewhere. Overall, it’s a rewarding option for digital-first businesses wanting returns.
8. Mettle Business Bank Account
The Mettle Business Bank Account is a completely free banking solution by NatWest, aimed at sole traders and small limited companies. There are no monthly fees or transaction charges, making it ideal for startups. Although cheque deposits aren’t supported, cash deposits can be made at Post Offices, subject to limits.
Mettle doesn’t offer overdrafts, loans, or international payments, focusing on simple digital banking. Users can integrate their accounts with FreeAgent accounting software at no extra cost.
FSCS protection applies for eligible deposits, and customer support is available via app, email, and phone. Mettle provides a fast and easy account opening process via mobile devices, perfect for businesses operating mainly online.
| Feature | Details |
|---|---|
| Type of Account | Business Bank Account |
| Monthly Fee | Free |
| Basic Transactions | Free |
| Cash Deposits | Limited; £500/day, £23,000/year at Post Office |
| Cheque Deposits | Not available |
| Overdraft Facility | Not available |
| Accounting Software Integration | FreeAgent included |
| Special Offer | Free accounting software |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Sole traders and Ltd companies with up to two owners, UK-based |
| Account Perks | Mobile app, fast setup |
| Branch Coverage | No branches |
Mettle is a solid choice for freelancers and small businesses wanting free banking. Its simple setup and FreeAgent integration add excellent value for digital entrepreneurs.
However, the lack of lending products may limit fast-growing businesses. Overall, it’s a strong option for simple, mobile-first banking in the UK.
9. RBS Start Up Business Account
The RBS Start Up Business Account is designed for new businesses trading for less than one year. It offers free banking for everyday transactions for the first two years, helping entrepreneurs save on costs early on.
After the initial period, low fees apply to standard transactions. Users also get free access to FreeAgent accounting software. Overdrafts of up to £50,000 are available, subject to fees and eligibility.
FSCS protection covers eligible deposits. RBS provides strong in-branch and online support, but it’s mainly suited for Scottish-based businesses, with NatWest handling English and Welsh customers. Account setup is typically fast and straightforward.
| Feature | Details |
| Type of Account | Start Up Business Account |
| Monthly Fee | Free for 24 months |
| Basic Transactions | Free for 24 months |
| Cash Deposits | 70p per £100 after free period |
| Cheque Deposits | 70p each after free period |
| Overdraft Facility | Available up to £50,000 |
| Overdraft Terms | Arrangement fee applies; 14.09% EAR representative |
| Accounting Software Integration | FreeAgent included |
| Special Offer | 2 years free everyday banking |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Businesses trading <1 year, turnover <£1m |
| Account Perks | Loans, credit cards, FreeAgent access |
| Branch Coverage | Primarily Scotland |
RBS offers great support for new Scottish startups through free banking features. Its two-year free period and FreeAgent inclusion create real early-stage savings.
Businesses outside Scotland may be redirected to NatWest or Ulster Bank. Overall, it’s an efficient launchpad for small businesses in Scotland.
10. NatWest Start Up Business Account
The NatWest Start Up Business Account is crafted for new businesses operating less than a year. It offers two years of free everyday banking to help manage early cash flow.
After this period, small transaction charges apply. Businesses benefit from free access to FreeAgent accounting software, easing financial admin. Overdrafts up to £50,000 are available, subject to fees and eligibility criteria.
FSCS protection is in place for deposits. NatWest offers strong in-branch, mobile, and online service, mainly serving England and Wales. Opening a NatWest Start Up Account is quick, making it ideal for early-stage entrepreneurs looking for flexible, low-cost banking.
| Feature | Details |
| Type of Account | Start Up Business Account |
| Monthly Fee | Free for 24 months |
| Basic Transactions | Free for 24 months |
| Cash Deposits | 70p per £100 after free period |
| Cheque Deposits | 70p each after free period |
| Overdraft Facility | Available up to £50,000 |
| Overdraft Terms | Arrangement fee applies; 14.09% EAR representative |
| Accounting Software Integration | FreeAgent included |
| Special Offer | 2 years free banking |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Businesses trading <1 year, turnover <£1m, UK-based |
| Account Perks | Loans, credit cards, FreeAgent access |
| Branch Coverage | England and Wales |
NatWest provides strong startup support with free banking and accounting software. The two-year free banking offer eases the financial burden for new firms. Quick setup times and multiple banking channels are a real bonus. It’s a reliable, flexible solution for early-stage businesses in England and Wales.
11. Lloyds Bank Small Businesses and Start-ups Account
Lloyds Bank’s Small Businesses and Start-ups Account offers a full year of free day-to-day banking for new businesses and switchers. After the free period, a monthly fee applies, but customers can enjoy 100 free outbound electronic payments each month.
Lloyds supports cash and cheque deposits, with fees depending on how you deposit. Businesses also benefit from free access to Lloyds’ own accounting tool, Business Finance Assistant, or integration with external providers like Sage.
Overdraft facilities are available for eligible businesses, and FSCS protection covers deposits up to £85,000. Lloyds’ strong UK branch network makes it a solid choice for businesses needing both digital and in-person banking support.
| Feature | Details |
| Type of Account | Small Businesses and Start-ups Account |
| Monthly Fee | Free for 12 months, then £8.50/month |
| Basic Transactions | 100 free outbound electronic payments per month |
| Cash Deposits | 85p per £100 via machine, £1.50 at counter |
| Cheque Deposits | 85p via machine, £1 via counter |
| Overdraft Facility | Available over £25,000 |
| Overdraft Terms | 16.48% EAR; £12 usage fee for £500–£5,000 overdrafts |
| Accounting Software Integration | Business Finance Assistant, Sage |
| Special Offer | Free 12-month banking |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | Turnover under £25m, UK-based sole traders, directors, partners |
| Account Perks | Free accounting tool, partner discounts |
| Branch Coverage | Over 500 branches in the UK |
Lloyds offers a practical solution for startups wanting accessible branch services. Its free accounting software and strong branch network add major convenience.
Businesses needing in-person support alongside online features will appreciate Lloyds. Overall, it’s a reliable, all-rounded business banking option for UK SMEs.
12. Ulster Bank Business Bank Account
The Ulster Bank Business Bank Account is well-suited for startups and SMEs based in Northern Ireland. It offers 24 months of free everyday banking for businesses, followed by low fees for standard transactions.
Customers get free access to FreeAgent accounting software and the ability to apply for overdrafts up to £50,000. Cash and cheque deposits are supported through branches and Post Offices, with modest charges after the promotional period.
FSCS protection ensures deposits up to £85,000 are secure. Ulster Bank focuses on local businesses and offers strong support across Northern Ireland, though it is less suitable for businesses outside the region.
| Feature | Details |
| Type of Account | Business Bank Account |
| Monthly Fee | Free for 24 months; then £8 per quarter |
| Basic Transactions | Free for 24 months |
| Cash Deposits | 70p per £100 after free period |
| Cheque Deposits | 58p each after free period |
| Overdraft Facility | Available up to £50,000 |
| Overdraft Terms | 12.01% representative EAR; £150 minimum arrangement fee |
| Accounting Software Integration | FreeAgent included |
| Special Offer | 2 years free banking |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | UK or NI-based sole traders, partnerships, companies |
| Account Perks | Loans, overdrafts, FreeAgent software |
| Branch Coverage | Northern Ireland branches and Post Office access |
Ulster Bank is a strong pick for Northern Ireland businesses needing supportive banking. Two years of free banking provides valuable breathing room for new firms.
However, businesses outside Northern Ireland should seek alternative providers. Overall, Ulster Bank offers great value for locally-focused startups and SMEs.
13. Zempler Bank Business Go Account
The Zempler Bank Business Go Account (formerly Cashplus) offers a fast, fee-free setup for sole traders and companies. With no monthly fees and same-day account opening for most applicants, it’s an attractive digital-first option.
Basic transactions are free for the first three outgoing payments each month, with a small charge thereafter. Cash deposits are possible via Post Offices, but cheque deposits are not supported. Businesses can apply for small overdrafts and credit-building tools.
Integration with accounting platforms like Xero, QuickBooks, and Sage is available. FSCS protection covers deposits up to £85,000. This account is best for small businesses seeking speed, affordability, and digital convenience.
| Feature | Details |
| Type of Account | Business Go Account |
| Monthly Fee | Free |
| Basic Transactions | First 3 free per month, then 35p per transfer |
| Cash Deposits | £4 minimum or 0.55% at Post Office |
| Cheque Deposits | Not supported |
| Overdraft Facility | Available up to £2,000 |
| Overdraft Terms | £50 annual fee; interest-free on first £5 |
| Accounting Software Integration | Xero, QuickBooks, Sage |
| Special Offer | Fast same-day account opening |
| Deposit Protection | FSCS protection up to £85,000 |
| Eligibility | UK-registered companies and sole traders |
| Account Perks | Business credit builder tools |
| Branch Coverage | No branches; Post Office cash deposits available |
Zempler Bank offers a quick and easy solution for businesses that value speed. Its no-fee structure and fast setup make it ideal for startups and freelancers.
However, larger businesses needing heavy cash handling may find it limited. Overall, it’s a smart choice for digitally-driven small businesses and entrepreneurs.
Common Mistakes to Avoid When Opening a Business Bank Account
Many small businesses rush into opening an account without comparing different options carefully. This can lead to unexpected fees or features that don’t suit their operations.
Another common mistake is mixing personal and business finances, making accounting and tax filing much harder later. Some new business owners also fail to check the eligibility requirements properly and face application rejections.
Ignoring cash deposit charges or branch accessibility needs can cause bigger issues down the line, especially for businesses handling cash frequently. Always read the fine print, compare offers based on your real usage, and choose a bank that aligns with your future goals, not just your immediate needs.
Conclusion
Choosing the best business account for small businesses in the UK is a decision that can significantly impact your day-to-day operations and future growth.
With so many great options available, from traditional banks to digital challengers, there’s never been a better time to find a match tailored to your needs.
Whether you need fee-free transactions, strong app support, or free accounting software, the right account will save you money and simplify your financial management.
Always compare eligibility, features, and costs carefully before applying. With the information in this guide, you’re now ready to make an informed, confident choice. Setting up the right financial foundation today will help your small business thrive tomorrow and beyond.
FAQs
What is the best bank account for small businesses just starting out?
The best account depends on your needs, but options like Starling Bank and NatWest Start Up Account offer free banking for new businesses and simple setup.
Are online business accounts safe?
Yes, online business accounts from regulated banks are very safe and protected under the Financial Services Compensation Scheme (FSCS) up to £85,000.
Can a small business have more than one business account?
Yes, small businesses can open multiple business accounts to manage different expenses, savings, or to benefit from different banks’ offers.
What documents are needed to open a business bank account?
You typically need proof of identity, proof of address, business registration details, and sometimes a business plan or forecast for startups.
Which business accounts have the best mobile apps?
Starling Bank, Monzo Business, and Mettle are often praised for their user-friendly, feature-rich mobile apps tailored for business users.
How long does it take to open a business bank account in the UK?
It can take from a few hours to several days depending on the provider. Digital banks like Starling and Mettle often approve accounts faster.
Are there business accounts with no monthly fees?
Yes, banks like Starling, Monzo Lite, and Mettle offer free business accounts without monthly charges, perfect for startups and small businesses.
