Business bank accounts to help your business grow

You can switch your business account to NatWest using the Current Account Switch Service

If you've got an annual turnover of up to £2m and switch your business bank 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 your business account

Current Account Switch Guarantee (PDF, 40 KB)

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

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.

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 account checklist from UK Finance, the UK’s leading trade association for financial services.

You’ll need the following details for each director or owner:

• Photo ID (driving licence, passport or EU ID card)
• Proof of address
• Business details including legal name, trading address and nature of business
• Companies House information, if relevant

As part of the application, we’ll use our trusted identity‑verification partner Mitek. They’ll check your ID and ask you to upload a selfie or short video using your phone or webcam. It’s quick, secure, and Mitek deletes your documents once the check is complete.

Mitek may ask for:

• Photo ID to confirm your identity
• A selfie or short video to match your photo ID
• Proof of address such as a utility bill, bank statement, tax document or driving licence

Make sure the details on your documents match the information you enter in your application.

What is Mitek?

Yes, subject to status and eligibility. A business overdraft can help with short‑term cash flow — you’re only charged for what you use. Limits, rates and fees depend on your circumstances. We’ll confirm details during or after your application.

Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.

In many cases, yes. You can switch your day‑to‑day business banking while keeping an existing loan with your current provider, or you can discuss refinancing options with us. The best route depends on your loan terms. If you’re unsure, start your account application and we’ll talk you through the options.

Lending: Security may be required. Product fees may apply. Subject to status, business use only

Due to increasingly high demand for our accounts, there will be a delay in opening your account. We are sorry for the inconvenience that this might cause you.

It can take longer than normal if:

• You have more than 2 individuals detailed as owners/officials.
• You take cash payments.
• You undertake overseas transactions.
• You're a Club, Society, Charity, Non Personal Trust (we are unable to open accounts for Personal Trusts).

Opening a business bank account with NatWest is straightforward. You can start your application online by choosing the account that best suits your business. We’ll ask for a few details about you and your business, along with documents to verify your identity and address. Once we’ve completed the required checks, we’ll let you know when your account is ready to use.

Start your application

To open a business bank account, you’ll need personal information for all partners, members, or directors, including their home addresses for the past three years.

Additionally, you’ll need to provide your business information, such as the Company Registration Number from Companies House if you’re a limited company.

Find all the details in the "Apply now" section to guide your preparation.

Yes. NatWest offers business bank accounts designed specifically for start‑ups and sole traders. Whether you’re just beginning your business journey or running a small established operation, you can choose an account that supports everyday banking and gives you access to digital tools and expert guidance.

Start your application