{"id":333998,"date":"2020-09-15T09:39:45","date_gmt":"2020-09-15T08:39:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=333998"},"modified":"2026-02-11T14:33:07","modified_gmt":"2026-02-11T14:33:07","slug":"business-savings-accounts","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/business-savings-accounts","title":{"rendered":"Top rate business savings accounts: Up to 4.68%"},"content":{"rendered":"<h3 id=\"rates\">Best business savings accounts by interest rate for May 2026<\/h3>\n\n\n\n\n\n\n\n\n<table class=\"luna-table\">\n<thead class=\"luna-table__header\">\n<tr>\n<th>Rank<\/th>\n<th>Provider<\/th>\n<th>Interest rate<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"luna-table__body\">\n<tr>\n<th scope=\"row\">1<\/th>\n<td>UBL UK<\/td>\n<td>4.68%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">2<\/th>\n<td>Close Brothers Savings<\/td>\n<td>4.5%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">3<\/th>\n<td>Union Bank of India (UK) Ltd<\/td>\n<td>4.45%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">4<\/th>\n<td>United Trust Bank<\/td>\n<td>4.4%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">5<\/th>\n<td>DF Capital<\/td>\n<td>4.4%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">6<\/th>\n<td>ICICI Bank UK<\/td>\n<td>4.4%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">7<\/th>\n<td>Cambridge & Counties Bank<\/td>\n<td>4.35%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">8<\/th>\n<td>Hampshire Trust Bank<\/td>\n<td>4.31%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">9<\/th>\n<td>State Bank of India<\/td>\n<td>4.3%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">10<\/th>\n<td>Marsden Building Society<\/td>\n<td>4.3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Why should I use a business savings account?<\/h3><p>Business savings accounts tend to offer much better interest rates than <a href=\"https:\/\/www.finder.com\/uk\/business-banking\">business current accounts<\/a>. So if your business has some surplus funds, it could make sense to move them into a business savings account, where your money can generate a better return.<\/p><p>Outside the interest rate benefits, it&#8217;s also a prudent idea to have some savings set aside anyway, in case your business is hit by an unexpected situation, such as a downturn in trading or the need to make emergency repairs to your equipment.<\/p><h3>Can I use a personal savings account instead?<\/h3><p>No, not if it involves business finances. If you want to save a chunk of your business revenue then you&#8217;ll need to do it in a business savings account. It&#8217;s a similar situation to being legally required to have a business current account if you&#8217;re using banking services as a <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/business-bank-accounts-for-limited-companies\">limited company<\/a>, so that your personal and commercial funds are kept separate.<\/p><p>The only possible exception to this is if you operate as a sole trader or a freelancer. If your banking provider allows it, you could already be using your personal current account to make and receive business payments on a small scale. So you could in theory use a <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\">personal savings account<\/a> to set aside and grow some of your earnings. (But as a sole trader, you can open a business savings account if you&#8217;d like to.)<\/p><h3>What types of business savings accounts are available?<\/h3><p>Similar to personal savings accounts, there are a couple of different options when choosing which business savings account to open. These include:<\/p><ul><li><strong>Easy access.<\/strong> These accounts tend to offer the least competitive interest rates in exchange for being able to instantly access funds if you need to withdraw them.<\/li><li><strong>Notice accounts.<\/strong> You&#8217;ll have limited access to this account and will need to provide a set amount of notice (potentially a couple of months) if you need to make a withdrawal.<\/li><li><strong>Fixed term.<\/strong> This type of account usually offers the best interest rate but you&#8217;ll need to keep your funds locked in for the duration of the fixed term.<\/li><\/ul><h3>How to choose a business savings account<\/h3><p>You&#8217;ll need to do your research before selecting a business savings account, so here are some pointers to consider:<\/p><ul><li><strong>Access.<\/strong> Do you need to have instant access to your savings or are you happy to leave them untouched in an account for a long period of time? This will influence whether you go for an easy access, notice or fixed term account.<\/li><li><strong>Interest rate.<\/strong> Obviously an important factor if you&#8217;re looking for a return on your savings. Check out which provider is offering the best rates \u2013 but remember the type of account you choose (e.g. easy access vs fixed term) will also influence how competitive the rate is.<\/li><li><strong>Bonuses.<\/strong> Some accounts will have introductory offers when opening a new account, or bonuses for leaving your money in the account for an extended period of time. Remember, you might have to keep an eye on when bonus offers end and switch to a better account.<\/li><li><strong>Minimum balance.<\/strong> There&#8217;s usually a minimum balance required to open and then maintain an account, which you are not allowed to fall below. Make sure you&#8217;re confident you can meet this savings threshold.<\/li><li><strong>Your type of business.<\/strong> Although business savings accounts in general are available to all types of businesses, there might be specific account products on offer for sole traders, limited companies or certain sectors, such as charities.<\/li><\/ul><h3>Are business savings accounts covered by the FSCS?<\/h3><p>The <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> (FSCS) protects deposits of up to \u00a3120,000 that you have with any licensed banking provider. So if your business account is with a licensed UK bank, then it will be covered by the FSCS.<\/p><h3>Tax on business savings accounts<\/h3><p>There will be tax payable on the interest earned by money in your business savings account, as this interest is usually paid gross (with no tax deducted) by your banking provider.<\/p><p>If you&#8217;re a sole trader the interest will form part of your income, and that will be subject to your personal tax allowance, which is used when calculating your annual self-assessment tax return.<\/p><p>Limited companies pay corporation tax, so any business savings interest will need to be included for tax purposes in your profit calculations.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>Overview of our business savings comparison<\/h3>\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Rates up to<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.68% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n992\n<\/td>\n<\/tr>\n<tr>\n<th>Minimum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a30\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a350,000,000\n<\/td>\n<\/tr>\n<tr>\n<th>Fixed bond terms<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n  1 month - 7 years <\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nBranch, website, mobile app, post, telephone<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Which are the best business savings accounts at the moment?<\/h3><p>Our best business savings accounts are the highest rates available for all the savings accounts that accept businesses. To get the latest rates, we use Defaqto data, which covers nearly the full market of savings products and is checked and updated daily. We don&#8217;t include accounts from private banks. <\/p><p>All the business savings accounts in our list have savings protection &#8211; for most, this is the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> (FSCS). The other saving protection scheme is the Gibraltar Deposit Guarantee Scheme.    <ul>\n                              <li>UBL UK 1 Year Fixed Deposit Business Account Monthly - <strong>4.68%<\/strong><\/li>\n                                      <li>UBL UK 1 Year Fixed Deposit Business Account - <strong>4.68%<\/strong><\/li>\n                                      <li>Close Brothers Savings \u2013 SME 95 Day Notice Account (Issue 5) - <strong>4.55%<\/strong><\/li>\n                                      <li>Close Brothers Ltd Close Savings 18 Month Fixed Term Deposit - <strong>4.5%<\/strong><\/li>\n                                      <li>Union Bank of India (UK) Ltd \u2013 Fixed Rate Deposit - <strong>4.47%<\/strong><\/li>\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                <\/ul>\n<h3>Pros and cons of business savings accounts<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>If you're a limited company you'll need to open one if you want to save some of your business revenue into a bank account.<\/li>\n                                    <li>You can get a return on your money with better interest rates than a business current account.<\/li>\n                                    <li>There's a range of accounts to choose from varying from easy access to fixed term.<\/li>\n                                    <li>You can set money aside for any unexpected event affecting your business.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You'll need to pay tax on any interest.<\/li>\n                                    <li>If you choose a fixed term account but unexpectedly have to withdraw the money then you'll face a penalty fee.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Whatever type of business you run, from a florist to an engineering firm, earning interest on any extra money you have in your bank account is a no brainer. There\u2019s some great savings accounts to choose from too. Most accounts pay around 4-5% which could provide an easy boost to your business income without having to do much.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rebecca Goodman, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>Bottom line<\/h3><p>If your business is in the fortunate position to have some surplus funds that can be held in reserve, it may be a good idea to place it in a business savings account. This is because these savings accounts tend to offer better interest rates than business current accounts.<\/p><p>Transferring this cash to a business savings account can allow your firm&#8217;s money to grow while being kept for any unforeseen costs.<\/p><p>If you&#8217;re confident that your firm won&#8217;t need the money in the near future, you may benefit from a placing the cash in a fixed-term notice account. These accounts offer a higher rate of interest, but you won&#8217;t be able to touch that money without incurring penalties during the fixed term.<\/p><p>Finally, the key thing to bear in mind with using a business savings account is that your business will most likely need to pay tax on any interest earned.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do I need a business savings account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you&#8217;re a limited company and you want to save some of your business revenue in a bank account, you&#8217;ll need to open a business savings account. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How many business savings accounts can I have?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can have as many business savings accounts as you want, as long as you qualify.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Is your UK business looking for a savings account? We explore the benefits of opening one and what you should consider before you do.<\/p>\n","protected":false},"author":867,"featured_media":334575,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-nb-table-with-filters.php","meta":{"footnotes":""},"tags":[],"class_list":["post-333998","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best business savings accounts with rates up to 4.68%<\/title>\n<meta name=\"description\" content=\"Is your UK business looking for a savings account? We explore the benefits of opening one and what you should consider before you do.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/business-savings-accounts\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top rate business savings accounts: Up to 4.68%\" \/>\n<meta property=\"og:description\" content=\"Is your UK business looking for a savings account? We explore the benefits of opening one and what you should consider before you do.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/business-savings-accounts\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/businessman_telephone_bank_450x250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/business-savings-accounts\",\"url\":\"https:\/\/www.finder.com\/uk\/business-savings-accounts\",\"name\":\"Best business savings accounts with rates up to 4.68%\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/business-savings-accounts#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/business-savings-accounts#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/businessman_telephone_bank_450x250.png\",\"datePublished\":\"2020-09-15T08:39:45+00:00\",\"dateModified\":\"2026-02-10T15:12:20+00:00\",\"description\":\"Is your UK business looking for a savings account? 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