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Business bank accounts

Compare our business bank accounts

Whatever stage your business is at, we’re here to help you thrive

With NatWest business accounts, you'll get:

  • FreeAgent – their award-winning* software takes the stress out of your business finances. It’s fully loaded with intelligent account insights, handy accounting tools, and it even helps you do your tax return. You can get FreeAgent for free, as long as you retain your NatWest business current account. 
  • The ability to bank anywhere – online, on your mobile 24/7, or at our network of branches or local Post Office (branch and Post Office banking not available to Mettle customers)
  • Help when you need it by talking to us through secure messaging in-app or online
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Which business bank account is right for you?

Our business bank account for start-ups

New business? A NatWest account with extra support for your start-up, plus free banking on everyday transactions for 2 years*

For businesses trading less than a year with turnover of less than £1m 

Free programmes that could help you grow and support that could help you run your business better (some services available to customers and non-customers)

Connect with experts who could take you further and help achieve your goals sooner

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Existing business?

A NatWest account for big ambitions, plus free banking on everyday transactions for 2 years* when you switch to us

  • Our account for businesses with turnover above £1m. Or, for businesses with turnover below £1m who have been trading for over a year.
  • A dedicated Relationship Manager to look after your business (turnover and eligibility criteria apply)
Switch offer is available for customers whose projected or existing turnover is below £2m, and who make a full switch to a NatWest business bank account using the Current Account Switch Service (CASS). It's not available to customers switching a Royal Bank of Scotland or Ulster Bank business current account to NatWest. CASS is not currently available for Mettle accounts.
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Self-employed?

Free mobile business bank account

  • For sole traders or limited companies with up to two owners who have a balance of less than £1m, and are a UK-based company with owners who are UK residents (eligibility criteria apply)
  • 100% free – no hidden costs or transaction fees
  • You won’t have access to credit or borrowing options
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Charity, club or other non-profit?

Learn about our NatWest Community account

Existing NatWest personal or business banking customers are eligible to apply for free banking if your community account's annual credit turnover is less than £100,000 and remains at this level

Everyday support from texts and email alerts

Authorise up to four individual signatories

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Already started a NatWest application?

Log in and check the status of your application in our online application centre

Use the same details that you created when you applied for your business account. If you haven’t already set up access to your online application centre, you can create a login now

Free banking on everyday transactions for 2 years when you switch to us

If you've got an annual turnover of up to £2m and switch your business account to us using the full Current Account Switch Service, we'll give you 2 years of free banking on everyday transactions.

Everything will be moved across from your old account to your new account for you, all within 7 working days, including Direct Debits and Standing Orders.

Switch offer is not available to customers switching a Royal Bank of Scotland or Ulster Bank business current account to NatWest. Not currently available for Mettle accounts.

Current Account Switch Guarantee (PDF, 40KB)

Your Guide to switching your account to us (PDF, 2.3MB)

Plus tools to help you grow, all from one bank

The below tools and products are available to customers and non-customers.

Don't fear your accounts, with FreeAgent

Integrate your accounts to stay on top of your tax with FreeAgent. It’s free for as long as you retain your NatWest business bank account. Optional add-ons may be chargeable.

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Get HR and health & safety support from MentorDigital

Manage your people anywhere, anytime, on any device with free tools from MentorDigital.

MentorDigital is subject to app store availability and phone network access. Network provider charges may apply. Some Mentor services incur a cost.
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Buddy up with Business Builder

With Business Builder you’re not on your own. Our specialist advice, smart tools, and upskilling opportunities are designed to help build your confidence.

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Grow with our Accelerator Programme

Discover wrap around support with one-to-one coaching and thought leadership, online or at our nationwide co-working hubs.

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More information

What you need to open a NatWest business bank account

Participating providers of UK business bank accounts have agreed to a basic set of information that they will need from you to set up your UK business current account. Find out what you’ll need to provide using the simple business banking checklist from UK Finance, the UK’s leading trade association for financial services.

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See how our business bank accounts compare

If you’d like to see how our Business Bank account products stack up against the others in the market, you can compare them at the following websites (suggested by the UK Government's Competition and Markets Authority): 

Swoop Funding
 

Funding Xchange
 

Funding Options
 

Alternative Business Funding

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How fees work on our business bank accounts

Business accounts can often seem complicated when it comes to charges. We’re here to help you find ways to save and learn more about what you’re charged for. And although NatWest start-up business account holders don’t pay transaction fees for the first 2 years anyway, it’s always worth understanding how you can reduce your charges after that period ends.

Some ways to manage your account charges

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Have a look at some of our service measures

If you want to see how we have performed on key service areas, you can get a detailed view here.

NatWest performance indicators (PDF, 58KB)

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Business savings accounts

We’ve raised our rates across our savings account range. As an example, our Liquidity Manager 95-day Notice Account now has an interest rate of 4.25% AER, 4.17% Gross p.a. (variable).

Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals from the Liquidity Manager Notice Accounts are not permitted. 

Tyl by NatWest

Use our simple solution, Tyl, to take payments in-store, online or over the phone (eligibility and fees apply.)

What you need to know before you apply for a NatWest bank account...

Useful info about our NatWest business accounts

Additional support for your business

It pays to have a business plan

Every successful business starts with a plan. We have six key do’s and don’ts and tips on how to write yours.

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Five successful growth strategies

Our experts have put together five ways to help ensure your business is a success. We think its essential reading.

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10 micro-improvements for your business

Small changes can make a big difference. We’ve got ten tips that we think every business should read.

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Something else we can help you with?