Get the most from your Business Account
Fund your account today and kickstart your business journey with us.
Don’t miss out on your Business Account benefits
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.
Your guide to getting started
Log in
All you need is your user ID, which you can find in your welcome letter, and your password.
Add money
Include your account details on your invoices to start getting paid directly into your account or send funds from other accounts.
Make payments
Set up regular payments to your suppliers, start using a business debit card and lock in your own income payments.
Settle daily costs with a Business Debit Card
- Withdraw up to £700 of cleared funds per day.
- Ideal for on-the-go contactless transactions up to £100.
- Speed up deposit transactions at branches using your card.
Helping you manage and grow your business
Frequently asked questions
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Find out more about our Business Account fees and charges.
Payment type
Charges
Payment type
Introductory offer
Charges
No monthly account fee for 12 months
Payment type
Monthly account fee
Charges
£8.50 after 12 months
Payment type
Electronic payments in2
Charges
Free
Payment type
Electronic payments out2
Charges
First 100 a month are free / £0.20 each after that
Payment type
Cash payments (in or out)
Charges
£0.85 for every £100 at an Immediate Deposit Machine / £1.50 for every £100 over the counter
Payment type
Cheques (in or out, any amount)
Charges
£0.85 at an Immediate Deposit Machine / £1 over the counter
Payment type
Credit paid in at branch or ATM
Charges
£0.85
Payment type
Credit paid in at an Immediate Deposit Machine, Automated Deposit Machine, through the app
Charges
Free
Payment type
BACS
Charges
File submission: £5.50
BACS Item: £0.15 (a set up fee may apply)
Payment type
CHAPS
Charges
£30
Payment type
Sending and receiving money abroad
Charges
Payment type
Balances below £0 (going overdrawn)
Charges
Payment type
Other account services
Charges
See the full account rates and charges (PDF, 1.1MB) and product terms and conditions.
Estimate with our calculator how much your business account could cost per month after the first year.
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Yes, you can easily switch your current business account to a Bank of Scotland business account using the Current Account Switching Service. Once you’ve given us your details, you can sit back and we’ll manage the rest for you. Find out more about switching bank accounts.
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In-branch cash and deposit machines, for notes and cheques. Limits and charges will apply.
Other options:
- Withdraw cash, notes only, from any LINK ATM. Most don't charge a fee.
- Withdraw or deposit coins and notes at Post Offices or Banking Hubs. Limits and charges will apply.
- You can find out about your options on LINK's Cash Locator.
- Some locations charge a fee to make a withdrawal or deposit. If they do, it'll be clearly signed in store and on the machine. You'll be able to cancel the transaction if you don't want to pay the charge.
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We work with LINK to carry out assessments of places which might need better cash access services.
Concerned about access to cash in your area?
LINK may have already looked at your area and made a recommendation to make things better.
If not, you can request an access to cash assessment in your area.
Want to know how decisions are made about cash?
Find out more about LINK’s process.
Switch your business bank account
You're covered by the Current Account Switch Guarantee. Get in touch when you're ready and we’ll guide you through the steps.
Protecting your money
The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.
Independent service quality survey results
Business current accounts
Published August 2025
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
The requirement to publish the Financial Conduct Authority Service Quality Information for Business current accounts can be found here.