8 accounts compared · checked 25 October 2026
Monthly fees, transfers, cash deposits, protection and sign-up offers for UK business current accounts. Every figure comes from the provider's own pricing and links back to it.
Featured sign-up offer
Featured partner
cashback on a new Tide business account*
New Tide members only. *Full T&Cs apply. We may earn commission from referrals.
Comparison
Filter by business type and what you need. How we order accounts
| Account | Monthly fee | UK transfers | Cash deposits | Protection | Sign-up offer | Links |
|---|---|---|---|---|---|---|
 Featured partner |
£0 on Free planPaid plans from £12.49/month |
5 a month on Free |
Yes (fees apply) |
FSCS via ClearBank |
Visit Tide Read reviewSource | |
ANNA MoneyPartner Check ANNA's eligibility |
£0 on Free planPaid plans from £12.90 + VAT/month |
Unlimited out; incoming over £1,000/month 0.95% |
Check ANNA |
E-money, safeguarded (not FSCS) |
Merchant cashback up to 40% on selected products |
Visit ANNA Money Source |
Zempler BankPartner Sole traders, limited companies, partnerships, charities |
£0 (Business Go)No monthly or annual fee |
3 free a month, then 35p |
Post Office, £4 min or 0.55% |
FSCS (UK bank) |
No sign-up bonus |
Visit Zempler Bank Source |
MettleRefer a friend scheme Sole traders and limited companies with up to two owners |
£0Optional Mettle+ £4/month |
Check Mettle |
Post Office, £2.75 per deposit |
FSCS (NatWest bank account) |
£50 Refer a Business reward (code from an existing customer) |
Visit Mettle Source |
Monzo BusinessRefer a friend scheme Check Monzo's eligibility |
£0 on LitePro £9, Team £25/month |
Free UK transfers |
PayPoint or Post Office, £1 per deposit |
UK bank (Monzo Bank Ltd) |
None found |
Visit Monzo Business Source |
Revolut BusinessRefer a friend scheme Limited companies and partnerships |
From £10/monthGrow £30, Scale £90/month |
Plan-dependent (Grow: 100 free/month) |
Check Revolut |
Depends on Revolut entity: check |
No sign-up bonus for you |
Visit Revolut Business Source |
Wise BusinessPartner Freelancers, sole traders, limited companies and partnerships |
£50 one-offSet-up fee; no paid plans listed |
Fee varies by currency (from 0.24%) |
Not listed (check Wise) |
E-money, safeguarded (not FSCS) |
None found |
Visit Wise Business Source |
StarlingNot a partner Limited companies and LLPs (sole traders: check) |
£0Optional paid add-ons |
Free UK transfers |
Post Office, 0.7% (min £3) |
FSCS (UK bank) |
None found |
Visit Starling Source |
Checked 25 October 2026 against each provider's own pricing page (see "Source"). The order isn't a ranking: our featured partner comes first, then the other accounts we cover. We may earn commission or a referral reward from the providers labelled Featured partner, Partner or Refer a friend scheme. We include accounts that don't pay us so the comparison is complete.
Featured partner offers
Opening a business account, or starting a limited company? Code STARTUP200 works for both. Disclosure
Business accountAlready trading?
Up to £200 cashback*
Company formationStarting a limited company?
Register for £14.99 + up to £200*
Tide is our featured partner. We may earn commission from referrals; it doesn't change what you're offered. Cashback is paid by Tide 6–8 weeks after you qualify.
Business credit card
7,500 bonus points worth £75
Credit provided by New Wave Capital Ltd (trading as Capital on Tap), authorised and regulated by the FCA. We're a referral partner, not a lender, and may earn commission. Rewards terms
Tide guides
Tide is our featured partner, so we cover it in depth: how the Tide promo code STARTUP200 works, how to use it as a Tide referral code at sign-up, what the account costs, and how your money is protected.
Shortlists
Method
The same checks for every account, partner or not.
Fees, protection and offer conditions come from each provider's own pricing pages and terms, never from other review sites.
Every account is checked against the same features on the same date, and each figure links to its source.
We watch for changes to terms and fees, log every update, and say when something isn't clear.
Guides and articles
Questions
Quick answers. Most link to a full guide.
Start with how your business uses money: how many transfers you make, whether you pay in cash, whether you need a branch, and whether you want your money with a bank covered by the FSCS. Then compare monthly fees and any sign-up offer. The filters in our comparison table help you narrow it down.
Money in a UK bank account is protected by the FSCS up to £120,000 per depositor. E-money accounts are safeguarded instead, which protects your money if the provider fails but isn't FSCS cover. The "Protection" column shows which applies.
Yes. Tide promo code STARTUP200 can earn up to £200 cashback: £75 after £100 card spend in 30 days, plus £125 for holding £5,000 in an Instant Saver for 30 days. Full conditions.
On the code screen during sign-up. STARTUP200 can also be applied within 7 days of signing up. Step-by-step guide.
No. Tide is an FCA-authorised e-money institution. Its accounts are powered by ClearBank, a UK bank, so eligible deposits are FSCS-protected up to £120,000. Our Tide review explains more.
Yes. Use code STARTUP200 when you register and meet the same £75 and £125 conditions. Tide company formation guide.
It isn't a legal requirement, but check your personal account's terms, as many don't allow business use. A separate account also makes bookkeeping and tax returns simpler. See GOV.UK's guide to setting up as a sole trader.
Usually photo ID, proof of address and details of your business. Limited companies also need their Companies House registration. Each provider sets its own checks, so read their eligibility page before you apply.
We don't give tax advice. Ask your accountant how a sign-up reward should be recorded in your business accounts.
Some providers pay us when you open an account through our links. They're labelled "Featured partner" or "Partner". We include accounts that don't pay us too. Disclosure.