UK Business Account Guide / 2026

The evidence behind this guide

Sources checked 23 September 2026 · UK Business Account Guide Editorial

Each provider record links to its own published material. The date indicates a research check, not a provider guarantee or a continuous monitoring service.

Sources checked 23 September 2026
ProviderSourceBefore you apply
SendsProduct / terms ↗UK-only and UK/EU eligibility wording coexist on the product page. Confirm your company, owners and tariff before applying.
Starling BankProduct / terms ↗Check director residency and business eligibility. Cash deposits and additional services can carry fees.
Wise BusinessProduct / terms ↗Transfer and conversion charges depend on currency and route. Account details are subject to eligibility.
Revolut BusinessProduct / terms ↗
Additional document ↗
Check the legal entity on your agreement and each plan’s FX and payment allowances.
TideProduct / terms ↗Tide itself is not a bank. Check the provider named in your account terms, transfer and cash fees.
Monzo BusinessProduct / terms ↗Check supported company types, UK residency and which tools need a paid plan.
HSBC UKProduct / terms ↗Product eligibility and extra-service fees apply. A free subscription does not make every transaction free.
BarclaysProduct / terms ↗The product page was not fully accessible during this review. Opening route and current fees need direct confirmation.
NatWestProduct / terms ↗Compare ongoing charges after any introductory period and the eligibility for the particular account.
Lloyds BankProduct / terms ↗
Additional document ↗
Ownership structure, UK operations and named individuals matter. Extra information may be requested.
MettleProduct / terms ↗
Additional document ↗
Check business structure, UK trading requirements and international payment capabilities before choosing.
ANNA MoneyProduct / terms ↗Check the underlying e-money provider, VAT on plan fees and optional accounting services.
Zempler BankProduct / terms ↗Go includes three outgoing payments or transfers a month, then 35p each. Cash deposits cost extra.
Metro BankProduct / terms ↗Confirm the opening route directly; online banking does not necessarily mean an entirely online application.
Virgin MoneyProduct / terms ↗Check the 25-month offer’s eligibility, exclusions and the ongoing transaction tariff.

Regulatory reference points

FCA — payment service providers ↗

Financial Services Register ↗

Sends — terms and conditions ↗