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Start-up business bank account

What's your new business waiting for?

You get more with our Start-up account

Free banking on everyday transactions for the first 2 years

Free accounting software from FreeAgent

Free support to help you grow

What you pay for - and what you don't

Apply for our Start-up account 

Have 10 minutes? Let's get started. 

Before you continue...

During your application you will need to make a choice on the type of account you want to apply for:

  • 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.

Are you...
OK, so you're an existing customer. Is the bank account for...

Great, please make sure 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
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important information
 


How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in Scotland?

If your new business will be based in Scotland and you currently hold an existing NatWest business or personal account, you can continue on to the next stage. Alternatively, you can call us on 0345 711 4477.


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.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use 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 HooYu page.

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

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

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

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

Alternatively, you can use our additional account form to apply and send this over to your Relationship manager when complete.


When can I call?

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

No problem. We can still help.

You can use our additional account form to apply. Alternatively, you can call us on 0345 711 4477. 

 

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.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important information
 


How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in Scotland?

If your new business will be based in Scotland and you currently hold an existing NatWest personal account, you can continue with this application. Alternatively, you can call us on 0345 711 4477.


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.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use 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 HooYu page.

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

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

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

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

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important information
 


How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in Scotland?

If your business will be based in Scotland and you do not currently hold an existing NatWest business or personal account, please apply with Royal Bank or call 0345 600 2230.


Relay UK Service: 18001 0345 600 2230


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.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use 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 HooYu page.

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

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

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

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

The features you'd expect, and then some

  • Bank anywhere with online banking, our mobile app, or at our network of branches or local Post Office
  • 24/7 messaging support, plus the option to give us a call or stop by your local branch
  • Instant payment notifications, in-app cheque deposit, and business spending categories to help manage your money
  • Multi-director access so eligible directors can have full visibility of accounts and spending

Cash flow support

Loans and finance options

Explore options based on your size, your needs, and your goals.

Security may be required. Product fees may apply. Subject to Status.

See your options

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Business credit card

No annual fee for the first year (normally £30). Plus, you can manage your account with the ClearSpend app.*
 

Our credit card features

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The flexibility of an overdraft

Our business overdraft helps you prepare for the unexpected. You’ll only pay interest on what you borrow.

Security may be required. Product fees may apply. Subject to Status.

Find out about overdrafts

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Business savings accounts

We’ve raised our rates across our savings account range. As an example, our Liquidity Manager 95-day Notice Account now has an interest rate of 4.25% AER, 4.17% Gross p.a. (variable).

Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals are not permitted.

View all business savings accounts

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Questions about our Start-up account?

Help to run your business as costs rise

We’re here to support you with real, practical help. Even if you’re just starting out, or you haven’t started your business yet, our hub could help. Discover our tools, resources and articles that’ll support you to prepare for any price rises. Use them to work out how you might be affected, what the future might cost and what actions you can take. 

Sustainable ambitions?

We’re here to help with your climate goals. We could provide support in the form of lending, advice and useful services and resources. Find out more about how we could help you develop a climate plan that works for your business and put it into action.

Need more information before you apply?

Switch to us

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 business days.
 

Current Account Switch Guarantee (PDF, 40KB)
 

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

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Info about charges

At the end of your 2-year free banking period, you’ll move on to our Standard Tariff, with no minimum monthly charge.

Business Account Charges Booklet (PDF, 80KB)

 

Summarised Business Account Charges Booklet (PDF, 79KB)

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You're safe with us

We’re a major high street bank and deposits of up to £85k are backed by the FSCS.

Financial Services Compensation Scheme Guide (PDF, 45KB)

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