Business banking for UK businesses

Independent comparisons of UK business bank accounts, built from each provider’s own published fees. We priced a standard year of banking for real-world business types, so you can see what an account costs before you open it.

Fees were read on 1 October 2026. Banking pages carry no affiliate links, and no bank pays to appear.

Before you read: Whito Ltd is not authorised by the Financial Conduct Authority. We do not arrange, advise on, recommend or sell any financial product. These pages are general information, not financial advice. Always check current terms with the provider.

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Best business bank accountsA year of fees priced at UK providers for three model businesses: an online sole trader, a van trade and a café.Free business bank accountsWhich accounts have no monthly fee, which are free for a while, and which charge per payment.How to open a business bank accountWhat banks ask for, how long opening takes, and the checks that stall applications.

Fees, protection and switching

Cash deposit feesWhat paying in £1,000 of cash costs at 14 providers.FSCS protectionWhich accounts are banks, which are e-money, and which brands share one protection limit.Switching business bank accountThe switching offers, and what the year after each one costs.International business accountsWhat ten providers charge to send, convert and receive money abroad.Using a personal account for businessWhat five providers' terms say, and what the law asks of companies.Charity and community accounts14 providers checked, with the income limits on their free accounts.

Business bank accounts by trade

A year of fees priced for a typical business in each trade, using how that trade actually banks: cash, card takings, deposits or staff payments.

Plumbers Electricians Roofers Builders Cleaning companies Pest control Beauty salons Hairdressers Vet practices Dental practices Accountants Solicitors Letting agents Home care agencies

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