With you for the long haul

You’re nearing the end of your fee-free period and your account will soon move to a monthly fee of £10. Even after this change, your Business Account continues to offer the tools, support and security you rely on. It’s designed to grow with you as your business evolves.

Instant credit decision

Instant credit decision

Borrow to grow your business, get an instant decision up to £50,000.1

Explore Business Overdrafts

Get extra Debit Cards

Get extra Debit Cards

Give your business partner or employees their own card – with no annual fee. You can withdraw up to £700 of cleared funds per day and spend up to £100 when making contactless transactions.

Explore Debit Cards

Apple Pay & Google Pay are now live

Apple Pay & Google Pay are now live

You can now add your Business Debit Card to your phone’s digital wallet, and make payments in-store or online with just a tap. It’s simple, secure and speedy.

Business Debit Card

1Businesses with an annual turnover of less than £3m can apply online and get an instant decision. Eligibility for lending will be assessed as part of a separate application, and there is no guarantee of lending being granted. All lending is subject to status.

The business account that goes further for you

Digital tools and support you can rely on

  • Manage your business banking easily through our mobile app.
  • Get help from real people when it matters most.
  • Simpler business purchases with Apple Pay and Google Pay.

Confidence your finances are protected around the clock

  • Eligible deposits are covered by FSCS protection up to £120,000, offering extra security when you need it.
  • Proactive fraud controls continually monitor your account activity to help keep your money secure.

Stay on top of your payments at a time that suits you

  • Make as many day-to-day electronic payments as you need at no extra cost through Mobile App and Online for Business.
  • Send money within the UK or internationally at times that suit your schedule, helping you stay on top of your outgoings.
  • Manage payroll, bills and HMRC payments in one place, with clear tools to help you track each step.
  • Standing orders, Direct Debits and Faster Payments give you the flexibility to manage payments in the way your business needs.

Ongoing help and support right from the start

Manage access to Business Internet Banking

Find out how to manage who has access to your accounts and what level of access they have.

Manage access levels

Help logging in

Get help and answers to common questions about logging in to Business Internet Banking.

Help logging in

Deposit cheques using the app

Find out how to deposit cheques using the business banking app.

How to deposit cheques

Frequently asked questions

  • You can forecast the cost of updated charges by using the tariff calculator, which helps you estimate costs based on how you use your account. You can also review the charging brochure for full details of fees and charges. View the terms and conditions.

  • We hope you stay with us, but if the changes don't feel right for you, you can ask us to close your account before the changes take effect. You won’t be charged to close your account. Find out more about closing your account here.

    • Mobile Banking is available to internet banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.
    • Google Pay, Google Wallet and Google Play are trademarks of Google LLC.
    • Google Pay is not available on all debit cards, credit cards and accounts. The Google Wallet app must be downloaded and is available on Android devices with contactless capability (NFC) and Host Card Emulation (HCE) enabled, running on the Android 9.0 (Pie) operating system or newer. 

    View terms of use for Google Pay

    • Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.
    • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
    • Apple Pay is not available on all debit cards, credit cards and accounts. Available on iPhone 6/6+ and above, iPad with Touch ID and Apple Watch, with the latest version of iOS required.

    View terms of use for Apple Pay

Unlock exclusive merchant offers with our Visa Business Debit Cards

Enjoy savings with access to a diverse range of merchant offers, specially designed for growing businesses like yours.

View merchant offers

Independent service quality survey results

Business current accounts

 

Published February 2026

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,200 customers of each of the 17 largest business current account providers if they would recommend their provider to other small and medium-sized enterprises (SMEs*). The results represent the view of customers who took part in the survey.

Overall service quality

We asked customers how likely they would be to recommend their business current account provider to other SMEs.

*SMEs include businesses, clubs, charities and societies with an annual turnover/income of up to £25m (exclusive of VAT and other turnover-related taxes).

Ranking

Business current accounts Overall service quality survey results. Ranking 1st place Monzo 85%, 2nd place Mettle 83%, 3rd place Starling Bank 81%, 4th place Handelsbanken 75%, 5th place Tide 70%, equal 16th place Bank of Scotland 52%

View the full set of results

The requirement to publish the Financial Conduct Authority Service Quality Information for Business current accounts can be found here.