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Business bank accounts

Put your business account in safe hands

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 digital accounting tool FreeAgent to make invoicing, payroll and managing your cash flow easy. It’s worth more than £145 + VAT a year (based on annual fee as of Aug 2021), but free for you. And if you use Xero or QuickBooks there’s seamless integration too

Pay only for the transactions you use, there’s no monthly fee

When you join the NatWest family, you’ll also get access to our experts

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.

Do you need help with areas like HR, health and safety or legal? Try our free MentorDigital service, which has a suite of tools, templates and training. Upgrade for expert consultancy support starting from £150*.

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.

Compare business bank accounts

Free mobile account

Self employed?

A balance of up to £100k (£50k for sole traders)

For sole traders or limited companies with up to two owners

Completely free. With no hidden costs or transaction fees

A no-hassle mobile-only account by Mettle, part of NatWest Group

Make payments with Apple and Google Pay (retailer limits may apply)

No access to credit

Start-up account

Trading less than a year?

For accounts with turnover of less than £1m

Save money with no transaction fees for the first 18 months (then Standard Tariff applies)

Join a community of other start-up businesses who can help and support

Access to borrowing options (subject to status) if you need them

Business account

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)

Community account

Are you a not-for-profit organisation, like a charity or club?

 

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 

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): 

Swoop Funding

Funding Xchange

Funding Options

Alternative Business Funding

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)

How does the Switch service work?

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.

Useful info about our 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.

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.

Something else we can help you with?