Business Instant Access Account

When you want your money to work harder day in, day out.

Key Features

Make the most of your day-to-day surpluses by investing them in a Business Instant Access Account. You’ll earn extra income in interest, and still have the flexibility of being able to withdraw your money whenever you need it. And as interest is calculated daily, you’ll earn income even on short-term deposits.

  • Earn a rate of interest based on the declared credit balance in the account
  • Instant access to your savings with no withdrawal penalties.
  • Open an account with just £1, with a maximum deposit of £5 million.
  • Create a bespoke savings strategy by using our Savings Strategy Tool.

You can apply by calling 0345 606 0286 or by logging in if you've already registered for internet banking.

Savings Strategy Tool

Our tool can make your money work harder by matching your cash forecasts against our deposit products, helping you create a savings strategy bespoke to your needs. 

Get your savings strategysavings strategy tool
    • Instant access to your savings and you don’t lose interest for making withdrawals.
    • Save from just £1 up to £5 million.
    • Interest calculated daily and paid monthly.
    • Manage your account online through Business Internet Banking.
    • Open an account online or by phone.

    * other criteria may apply


    Please visit our terms and conditions section to view all terms and conditions, charging and associated information.

  • If you've already registered for internet banking and would like to apply for this account, log in securely to your business current account to apply online. Follow our step-by-step guide below for guidance.

    If you are not yet registered for internet banking or have any questions, please contact us on the phone number below.

    Registered for internet banking? Apply online

    Log in and apply now

    To apply online now, simply follow this process:

    Step 1: Log on to Business Internet Banking as usual, entering your user ID and password. If you are not yet registered for Business Internet Banking, please see below to apply by phone.

    Step 2: Once you've logged in, you will arrive at your account overview page. Look to the menu on the right hand side, and you will see the 'Apply Online' section as shown below.

    Step 3: Click on the 'Business savings account' link in the 'Apply Online' section.

    Step 4: Read through all the terms and conditions, ensure you have viewed the current interest rates and read the information on the following page. Click 'Confirm'.

    Step 5: You should now have successfully opened your Business savings account. If you need any more information during any of these steps, please contact us by phone.

    Call 0345 606 0286

    When you apply

    You will need to confirm that:

    • you are a sole trader, or a partner or director of the business
    • you are over the age of 18
    • the account is for business use only.

    You will also need the following information to hand:

    • contact details for you and your business
    • personal details of your partners/directors.

    For further information relating to Credit Interest and Deposit Account Interest Rates, please visit our rates and charges page.

Call us to apply for this account

New customers

0345 606 0286

Existing customers

0345 300 0268

Registered for internet banking?
Apply online

Manage your savings online

View your current and savings accounts side by side with Internet Banking

Due to FSCS eligibility criteria not all business customers will be covered.