Start-ups package

We've created a package of Start-up benefits to support your business, save you money and help with your cash flow. The package is comprised of:

• Two years' free Business Banking - save an average of £480 over the two year period
• Free Mentor Aware - use our Employment Law and Health & Safety support tool to help manage workplace risks - worth £360
• £500 fee-free overdraft - ease your cash flow with a fee-free overdraft in the first year, saving you £50 (subject to status)
• No annual fee on your Business Credit Card for the first 12 months – saving you £32 per card
• Free Start-up courses - access our online courses for valuable tips and support on starting out - worth £80.
  Over 18s only.

• Free unlimited transactions – pay no transaction fees no matter how many deposits you make, as long as your business turnover is less than £1 million
• Free Online, Telephone and Mobile banking – pay bills and make transfer 24 hours a day, seven days a week (available to all business current account holders)
• Free 12 month Regus Businessworld Gold Membership - enjoy access to a network of 1,200 conveniently-located business lounges in the UK and worldwide, and save £420
• Free Start-up tools and support - you’ll have access to business planning tools, webinars and our Start-up hotline

Free banking means that the charges for the day to day running of your account (known as your 'service charge') will not apply during the free banking period. At the end of this period, you will automatically move to the Standard Tariff. Charges for "Additional Services" and "Unarranged Borrowing" are not part of the free banking offer. Free banking applies to businesses that started trading within the past twelve months with projected or existing annual turnover not exceeding £1 million.

Our Business Current Account gives you:

• A Business Manager team – support from your own Business Manager team and sector experts if you need them.
• Banking when you want – with Online, Telephone and Mobile banking, pay bills and make transfer 24 hours a day, seven days a week.
• A Business Debit Card - to help you manage your cash.
• Access to our extensive branch network - find the branch nearest you.

• Start-up Hotline - got a question about cash flow? Need practical guidance on business planning? Whatever you need help with, just call our hotline to speak to our team of experienced banking professionals.
• Starting with NatWest - use our convenient 'one stop shop' for practical guidance on key aspects of running a business, including free online courses, easy-to-use business planning software, or watch our online webinars
• Bizcrowd - connect directly to customers who need your products and services, on the new online community for UK businesses
• Business Sense - our free online magazine provides you with information, contacts, guidance and inspiration to build your business
• Business Networks - access to a range of business networks, including: The Federation of Small Businesses (FSB), Everywoman, British Chambers of Commerce (BCC)

Download our standard tariff business account charges (PDF, 273KB).
(You'll need Adobe Reader to open these documents. You can download Adobe Reader for free here)

• Call us on 0800 073 1301 (Minicom 0800 404 6161). Lines are open: Monday to Friday 9am-5pm (excl. public holidays). Calls may be recorded.
• Apply online – it’ll take about 15 minutes. We aim to get back to you within five working days or earlier to discuss your application in more detail.
• Visit one of our branches.

To complete the form, we need details of your business, such as your address, how long you’ve been trading, the number of employees, and any other signatories you may want to add to the account.

See details of the documentation we need to identify you and verify your address.

If you don’t qualify for our Business Current Account, for example if you have a poor credit history, we will talk to you about our Foundation Account when we receive your application.

There are no borrowing facilities available with a Foundation Account.