A time-saving app and online banking
Tick. Next. Criteria apply.
Overlay
Start up business account
Get off to a great start with our account
We understand that choosing your bank account isn’t the most exciting part of your new business. And as you've probably got a million and one things on your to-do list right now, we'll make this bit quick. You can apply for our account in as little as 10 minutes (although it might take us a little longer to get everything set up).
Know-how for business owners
Make starting out easy with digital learning modules, access to events and a community of businesses like you with the Business Builder tool.
Easy to use accounting software
See your cash flow at a glance, know how much you're making with a live profit and loss and prepare your tax return in minutes with FreeAgent.
Take your business further, faster
Looking to scale up? The NatWest Accelerator is a 6-month programme of 1-1 coaching, a community, thought leadership and a network of partners.
“The NatWest Business Builder is a fantastic tool because as a business owner, you’re never 100% sure if you’re getting things right, so having that guidance available whenever you need it is great.”
James Wilthew, Afghan Rug Shop
"I’m not an accountant, it’s not my specialism, I just want something that just works."
Ian, Life Saving Training
"It has really allowed me to broaden my network both internally within the hub and externally. Having check-ins with a dedicated coach really makes you accountable for your actions and keeps you setting deadlines for yourself.”
Reza Najafian, CEO of StaffScanner
Our start-up account also gives you:
A speedy online application process that won’t take up too much of your time
Tools to help you bank whenever it suits you, using our simple online and app banking (criteria apply)
The option to access an overdraft if you need it (subject to approval).
The Start up business account is available for businesses that have been trading for less than 1 year and have a turnover of less than £1m. It is available for eligible customers who are over 18 and have the right to be self-employed in the UK. We reserve the right to change or withdraw the start up offer without prior notice.
Simple charges
For details of our full charges and to see a breakdown of what’s included within the above transaction types, please refer to our Business account charges brochure (PDF, 53KB). This is based on our current pricing. Please note that our charges may vary from time to time and you will be notified of any changes to our charges prior to these taking effect.
Switch to NatWest
The Current Account Switch Service will do all the work, moving everything across from your old business account to your new one, all within 7 working days.
Current Account Switch Guarantee (PDF, 40KB)
Your Guide to switching your account to us (PDF, 2.3MB)
Simple charges
At the end of your 18-month free banking period, you’ll move on to our Standard Tariff, with no minimum monthly charge.
Business account charges booklet (PDF, 53KB)
Summarised business account charges booklet (PDF, 46KB)
Need a business credit card?
With no annual fee for the first year (normally £30), our business credit card is great for new businesses. You’ll also be able to manage your account with the ClearSpend app.
To apply for a NatWest Business credit card, you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with NatWest. Your registered business must be in the UK and you should be registered for tax purposes in the UK. The NatWest Business credit card is subject to status and for business use only. Applications for our Business credit card are subject to approval. If you apply for any other credit facilities, security may be required and product fees may apply.
Climate support for businesses
Access products, advice and resources to help with your environmental goals, as we work together to tackle climate change.
Security may be required. Product fees may apply. Finance only available for business purposes.