Home / Business banking / United Kingdom
Business banking
We compare monthly fees, transfer costs, interest, multi-currency features and how your money is protected, across challenger banks, fintech accounts and the big banks.
6 accounts in United Kingdom
Licensed bank · Digital
A free account from a licensed bank
No monthly fee and unlimited free UK payments, from a PRA-authorised bank with FSCS protection up to £120,000.
Monthly fee
£0
No paid tiers needed
UK payments
Free
Unlimited
FSCS
£120,000
Deposit protection
Fintech account · Admin tools
Banking plus invoicing in one app
A free plan with invoicing, expense tools and integrations with Xero, QuickBooks, FreeAgent and Sage.
Monthly fee
£0
Free plan
UK transfers
20p
Each, on the free plan
Integrations
Xero
QuickBooks, FreeAgent, Sage
Licensed bank · Digital
A free account with free UK transfers
Free Lite plan with free UK transfers from a fully regulated bank, or Pro at £9 a month.
Lite plan
£0
Pro £9 a month
UK transfers
Free
Unlimited
FX fee
1%
On the Lite plan
Fintech account · Tax tools
Banking with built-in tax help
No monthly fee on Pay As You Go, with invoicing, receipt capture and tax estimates built in; paid plans from £14.90 a month.
PAYG plan
£0
Monthly fee
Inbound fee
0.95%
On Pay As You Go
Paid plans
From £14.90
A month
Bank account · By NatWest
Free banking and accounting together
A free business account from NatWest with FreeAgent accounting software included at no cost.
Monthly fee
£0
Free
Accounting
FreeAgent
Included free
Protection
FSCS
Bank account
Licensed bank · Multi-currency
Multi-currency banking with an FX allowance
Grow plan at £30 a month with £15,000 of monthly FX before fees, from a fully licensed UK bank since March 2026.
Grow plan
£30
A month
FX allowance
£15,000
A month on Grow
Licence
UK bank
Since March 2026
Who holds your money affects fees, features and how your deposits are protected.
Branches, cash services and lending under one roof, usually with higher monthly fees and FX costs.
Fully licensed banks that operate online, often with free plans and modern apps, and protected deposits.
Accounts that hold your money through partner banks or as e-money, often with multi-currency features and lower FX costs.
Every rating comes from the provider’s published terms, checked against official sources and dated. Partners and non-partners are rated the same way.
