Proud Partners of Team GB

Get a head start with our Start-up business bank account

On your marks, get set, go!

Designed to help you achieve more

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. 

Great, let’s first 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

Please take some time to review this important information.


Business Account Terms (PDF,1.75MB)

Business Account Charges Booklet (PDF 79KB)

Effective until 6th October 2024


Business Account Terms (PDF, 255KB)

Business Account Charges Booklet (PDF, 70KB)


Financial Services Compensation Scheme Guide (PDF, 45 KB)

Frequently asked questions


A quick note...

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

  • a 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.

Your application can be completed 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.

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 Mitek.
  • A credit check on everyone on your application.

Already started an application?

Log in to continue or check the status of your application in our online application centre

You can 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

We’re here to help you thrive

  • 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 (limits and fees may apply), 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

Make your money work as hard as you do with a Business Savings account. As an example, our Liquidity Manager 95-day Notice Account has an interest rate of 4.25% AER, 4.17% Gross p.a. (variable).

Note: The Liquidity Manager 95 interest rate will decrease to 3.75% AER / 3.69% Gross p.a on 15th July 2024.

Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals from the Liquidity Manager Notice Accounts are not permitted. Interest calculated daily and applied on the last business day of each month.

View all business savings accounts

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Questions about our Start-up account?

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,79KB)

Effective until 6th October 2024


Business Account Charges Booklet (PDF,70KB)


Summarised Business Account Charges Booklet (PDF, 79KB)

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Your money is protected

Your eligible deposits held by a UK establishment of NatWest are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Financial Services Compensation Scheme Guide (PDF, 45KB)

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Register a company

Looking to form a limited company?

Our guide takes you through every step of the process - from checking whether your business's name is taken, to being registered with Companies House.

Form a company

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