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Proud Partners of Team GB

Do more with a Community bank account

We’re championing the power of community 

An everyday account for charities, clubs and societies

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**.

Access award-winning*** online accounting software for free for as long as you retain your business current account (optional add-ons may be chargeable).

Digitally sign payments & account changes with other members of your group through Bankline for Communities (available for free for Community account customers with a turnover up to £100k with a minimum of 2 and up to 4 signatories).

24/7 Online Banking and Phone Banking

Bank anywhere with our mobile banking app

* At least one of the parties named in the application must be an existing NatWest customer - if there is no existing NatWest relationship your application will be declined.
** If your turnover exceeds £100k, your account will be moved onto our Standard Tariff.  Fees & charges apply.
***Friendliest Software of the Year, Institute of Certified Bookkeepers Luca Awards 2023.

This current account is for not for profit limited companies registered at Companies House, clubs and societies, churches and places worship, registered and unregistered charities, charitable incorporated organisations (CIOs) and non-personal trusts. Want to see our other business current accounts? See the range

 

Business Account Terms (PDF, 255 KB)

This account in detail…

Features

Contactless debit card

Need to pay for business purchases in shops and online or withdraw cash? That’s where the contactless debit card comes in handy. Use Apple Pay and Google Pay™ for payments with your phone.

24/7 Online Banking

Our Online Banking service means you can access your business account, whenever it suits you.

Mobile Banking app

Our Mobile Banking app is secure, easy-to-use and lets you do loads of useful business banking tasks when you’re out and about.

Everyday support

Get text alerts, email alerts, manage Direct Debits and more.

Chequebook and paying in book

You can have a chequebook and a paying in book too (useful If you’re receiving cash or cheques).

Authorise signatories

Authorise up to four individuals as signatories on the account.

Benefits

Managing cashflow is easy

Because you can access your account 24/7 online or through the app, you know exactly where you stand. You can see what’s gone out, what’s come in and what invoices have been paid.

Free banking on everyday transactions

If you’re a not for profit organisation with an annual turnover that doesn’t go over £100,000, you could qualify for free banking on everyday transactions. If you have a turnover above £100,000, you will move on to our Standard Tariff after being provided with a 60-day notice period.

Bankline for Communities

Introducing a new online service for clubs, charities and societies to manage your accounts online within your group. 

Free accounting software

This account gives you access to FreeAgent, which makes business bookkeeping really easy.

Charges

Simple charges information

Our Terms and Charges info is clear and simple. Interest is calculated daily and is charged quarterly.

Questions about this account?

Circle Kinetic Illustration NW

Managing your Community account has never been easier

Visit our servicing hub for instant access to managing your business accounts, loans, credit cards and any other business service you have from NatWest. 

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. 

Current Account Switch Guarantee (PDF, 40KB)

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

Apply for our Community bank account

Got 10 minutes? Let's get started. 

Great, first let's check if you're eligible to apply.

  • You're aged 18 or over.
  • You're the owner or director of the business you’re applying on behalf of.
  • At least one person on the application must be a UK resident.
  • Your business must be registered for income tax or corporation tax purposes in the UK.
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree.
  • If your business turnover is over £2m, we'll ask you to provide evidence of this.

Important information

 

Business Account Terms (PDF, 255 KB)

Business Account Charges Booklet (PDF, 70 KB)

Financial Services Compensation Scheme Guide (PDF, 45 KB)

 

Important things to consider before applying

 

 

Consider which account you need

 

During your application, you'll have to select the type of account you'll need:

  • Business Current Account - used for the day to day running of your business, OR
  • Loan Servicing Account - used ONLY for loan repayment purposes. You'll need this if you have a loan with us, but not your current account(s). 

Should you select the incorrect account, you will need to reapply choosing the correct option.

Which are you?
OK, so you're an existing customer. Is the bank account for...
What is your estimated annual turnover?

You can apply online

This is the fastest way to complete your application.

1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.

3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. After the call, you’ll need to bring your documents to us in branch or use a professional service provider. This is so we can verify your identity.

It’s likely that you will have to wait a few days for an appointment, and the appointment itself can take up to an hour. Please bear in mind that applying by phone can take longer than applying online.

You can apply online

This is the fastest way to complete your application.

1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.

3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

If your business turnover is over £2m, we'll ask to see evidence of this.

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. After the call, you’ll need to bring your documents to us in branch or use a professional service provider. This is so we can verify your identity.

It’s likely that you will have to wait a few days for an appointment, and the appointment itself can take up to an hour. Please bear in mind that applying by phone can take longer than applying online.

Do you have a Relationship Manager?

Call your Relationship Manager

You should have a direct number for them. You can discuss applying for an additional business account. They can start the application for you and arrange to get the appropriate signatures.


When can I call?

Business and Relationship Managers are available 9am-5pm Monday to Friday.

No problem, we can still help.

You can use the form below to open an additional account.

Alternatively, you can call us on 0345 711 4477, or use the Relay UK Service: 18001 0345 711 4477.

More information on accessibility.

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.