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UK business banking, compared
Find the right business bank account — without the sales pitch.
Honest side-by-side reviews of the six UK business accounts small businesses actually consider: Tide, Starling, Monzo, Revolut, Mettle and Zempler. Fees, FSCS status, who can apply, and the trade-offs nobody else spells out.
Picking a business bank account in the UK should be simpler than it is. Every provider pitches themselves as the obvious choice. In reality the right one depends on whether you're a sole trader, a limited company, how often you take cash, and whether FSCS protection matters to you. This site compares the six accounts worth shortlisting and spells out the trade-offs.
Compare UK business accounts
The six accounts most UK small businesses end up choosing between. Tap any row for the full review.
Tide
Partial £120,000- Fee
- Free plan £0 (20p per outgoing UK transfer)
- Best for
- Sole traders and small businesses wanting built-in invoicing, accessible with no hard credit check
- Free transfers
- Free incoming; 20p per outgoing Faster Payment; ATM £1
Starling Bank
Protected £120,000- Fee
- £0
- Best for
- The strongest free all-round UK business account for sole traders, freelancers and contractors with good credit
- Free transfers
- Free UK transfers, no monthly fee. Post Office cash deposit 0.7%; international 0.4% + [VERIFY: £5.50 SWIFT delivery]
Monzo Business
Protected £120,000- Fee
- Lite £0
- Best for
- Sole traders and limited companies wanting a free FSCS-protected account with pots-based budgeting and MTD tools
- Free transfers
- Free UK transfers on all tiers, no per-transaction fee
Revolut Business
Migrating £120,000- Fee
- Basic £0
- Best for
- Businesses moving money across currencies or running teams on expense cards
- Free transfers
- [VERIFY: tier-dependent allowances; strong multi-currency FX within allowances]
Mettle (by NatWest)
Protected £120,000- Fee
- £0
- Best for
- Sole traders and small limited companies wanting genuinely free banking plus free FreeAgent
- Free transfers
- Free UK transfers, no transaction fees. Balance cap £1 million.
Zempler Bank
Protected £120,000- Fee
- Business Go £0
- Best for
- Newly registered sole traders and limited companies with no trading history or poor credit who want FSCS protection without a credit check
- Free transfers
- 3 free transactions/month on all tiers, then 35p each. ATM £2. Cash deposit 0.55% (£4 min). [VERIFY: re-confirm all figures on zempler.com before publish]
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