A Relationship Manager could help you take your business to the next level (subject to eligibility). You’ll also get access to our Accelerator high growth programmes and peer-to-peer networking.
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Business bank accounts
Put your business account in safe hands
On this page
Whatever stage your business is at, we’re here to help you thrive
We’ve been supporting businesses like yours for more than 50 years.
With our business accounts you can:
Bank anywhere. Online, on your mobile 24/7, or at our network of branches or local Post Office
Get help when you need it by talking to us through secure messaging in-app or online
Stay safe online. Our secure banking promise gives you financial protection
Get access to all banking and business services from one bank, including borrowing options (subject to status)
Use our accounting software, FreeAgent, to make invoicing, managing expenses and staying on top of your cashflow easy. FreeAgent has been named the UK's best bookkeeping software for SMEs*. An account is worth more than £150 per year** but is completely free for customers who retain their business account. Xero and QuickBooks can also integrate seamlessly with your bank account
Pay only for the transactions you use, there’s no monthly fee
*Voted the UK's best SME Accounts/Bookkeeping Software 2021, AccountingWEB Software Awards.
**Based on FreeAgent’s lowest tariff.
Services only available with a NatWest account, Mettle is a free mobile account (see below for details).
App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Looking to grow your professional network? Join the Business Builder Facebook community of more than 4,000 small business owners. You can also learn new skills through our online learning tool, or join our events.
*£150 per session is for 1 hour of consultancy with one of our experts, client needs to have signed up to MentorDigital.
Compare business bank accounts
The below products are available to eligible customers, over 18 who have the right to be self employed in the UK.
New business with ambitions to grow?
Extra support from our start up account
For businesses trading less than a year
For accounts with turnover of less than £1m (if yours is more than that, then our business account could be a better fit for your business)
Save money with no transaction fees for the first 18 months (then Standard Tariff applies)
Connect with experts who could take you further and help achieve your goals sooner
Access to borrowing options (subject to status) if you need them
Existing business?
You could get more from our business account
For businesses who have a:
- turnover above £1m and have been trading for under or over a year,
- turnover below £1m and have been trading over a year
A simple charging model - only pay for certain transactions, unarranged borrowing, international payments and Bankline charges.
A Relationship Manager to look after your business
Grow your business with our specialist programmes
Access to borrowing options (subject to status)
Self-employed or side hustle?
Free mobile business account
For side hustlers, freelancers, sole traders with a balance of £50k and limited companies with a balance of up to £100k and up to 2 owners
100% free – no hidden costs or transaction fees
You won’t have access to credit or borrowing options
Not for profit, like a charity or club?
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
Useful cheque and paying in books
Everyday support from texts and email alerts
Make banking easier by authorising up to four individual signatories
Specific account and service eligibility criteria apply.
Already started an 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
What you need to open a business 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.
See how our 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):
Switch to us from another bank
The Current Account Switch service will do all the work for you, moving everything across from your old account to your new account, all within 7 working days, including Direct Debits and standing orders. Simply apply for any of our business accounts and tell us you’re switching. Then choose which Switch service you need and give us your details.
Current Account Switch Guarantee (PDF, 40KB)
Your Guide to switching your account to us (PDF, 2.3MB)
Tyl by NatWest
Use our simple solution, Tyl, to take payments in-store, online or over the phone (eligibility and fees apply)
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.
How fees work for our business 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 18 months anyway, it’s always worth understanding how you can reduce your charges after that period ends.
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.
Five successful growth strategies
Our experts have put together five ways to help ensure your business is a success. We think its essential reading.
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.