{"id":559507,"date":"2025-05-28T11:06:17","date_gmt":"2025-05-28T10:06:17","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=559507"},"modified":"2026-04-07T11:21:23","modified_gmt":"2026-04-07T10:21:23","slug":"best-banks-for-business-bank-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-banking\/best-banks-for-business-bank-accounts","title":{"rendered":"Best banks for business bank accounts"},"content":{"rendered":"<p>When looking for the right home for your business banking, you\u2019re going to want to know how safe your money is and what type of service you\u2019re going to get. In this guide, our experts have done the leg work so you don\u2019t have to. Find out the top business banks for customer service, who\u2019s still on the high street and where to head for a little welcome bonus.<\/p><h3 id=\"customersatisfaction\">Best business banks for customer satisfaction in 2026<\/h3><p>Our customer satisfaction awards are decided by the only votes that really matter \u2013 yours. We asked customers of major business banking providers to tell us about their experiences. Now, we can reveal the top rated UK banks &#8211; the Customer Satisfaction champions. Learn more <a href=\"https:\/\/www.finder.com\/uk\/finderawards\/business-banking-customer-satisfaction-awards\">about the awards here, including our ratings methodology<\/a>.<\/p><table class=\"luna-table customer-satisfaction\" id=\"customer-satisfaction\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" class=\"u-1\/5@s\">Brand<\/th><th scope=\"col\">Customers who&#8217;d recommend<\/th><th scope=\"col\" class=\"is-hidden is-visible@m\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\" data-brand=\"starling\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/starling-business-account\">Starling Bank<\/a><\/th><td>100%<\/td><td>Extremely easy to set up and use, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/starling-business-account\">Starling Bank<\/a> is praised for its straightforward app. Reviewers value the helpful features for managing payments efficiently.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"revolut\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/revolut-business-review\">Revolut Business<\/a><\/th><td>97%<\/td><td>This trusted brand is known for its efficient platform and excellent customer service. Reviewers find <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/revolut-business-review\">Revolut Business<\/a> easy to set up and manage daily transactions.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"rbs\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/rbs-business-accounts-review\">Royal Bank of Scotland<\/a><\/th><td>90%<\/td><td>Approachable and knowledgeable, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/rbs-business-accounts-review\">Royal Bank of Scotland<\/a> is highly regarded for its business expertise. Customers appreciate the approachable staff and reliable service.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"monzo\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/monzo-business-account-review\">Monzo Business<\/a><\/th><td>90%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/monzo-business-account-review\">Monzo Business<\/a> earns praise for its simple setup process and innovative online tools. Users find the mobile app easy to navigate for managing business pots.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"virginmoney\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/virgin-money-business-bank-account\">Virgin Money<\/a><\/th><td>90%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/virgin-money-business-bank-account\">Virgin Money<\/a> is a reliable choice that offers a personalised service tailored to business needs. Customers value the high standards of reliability.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"wallester\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/wallester-review\">Wallester<\/a><\/th><td>90%<\/td><td>Trusted and reliable, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/wallester-review\">Wallester<\/a> provides a comprehensive platform that meets the diverse needs of businesses. Users describe the service as smooth and beneficial.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"mettle\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/mettle-app-review\">Mettle<\/a><\/th><td>90%<\/td><td>The free access to FreeAgent accounting software makes <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/mettle-app-review\">Mettle<\/a> a standout choice. Reviewers love the simple app and the quick account opening process.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"airwallex\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/airwallex-business-account-review\">Airwallex<\/a><\/th><td>87%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/airwallex-business-account-review\">Airwallex<\/a> is described as a trustworthy provider with an easy-to-use interface. Businesses appreciate the reliable service and platform navigation.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"hsbc\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/hsbc-business-banking-review\">HSBC<\/a><\/th><td>80%<\/td><td>Often cited as a reputable brand, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/hsbc-business-banking-review\">HSBC<\/a> provides beneficial services and excellent customer support. Many users value the bank&#8217;s transparency.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"allica\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/allica-business-bank-account-review\">Allica Bank<\/a><\/th><td>80%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/allica-business-bank-account-review\">Allica Bank<\/a> is valued for being an easy and reliable choice for business owners. Customers highlight the helpful support and variety of features.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"thecooperativebank\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/co-op-business-banking-review\">The Co-operative Bank<\/a><\/th><td>80%<\/td><td>Known for its ethical values and friendly staff, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/co-op-business-banking-review\">The Co-operative Bank<\/a> provides a flexible service and reliable process.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"tide\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/tide-review\">Tide<\/a><\/th><td>80%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/tide-review\">Tide<\/a> is highlighted as a reliable brand that is well-suited for startups. Multiple users praise the efficient service and the easy-to-navigate app.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"natwest\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/natwest-business-banking-review\">NatWest<\/a><\/th><td>77%<\/td><td>Reputable and professional, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/natwest-business-banking-review\">NatWest<\/a> is praised for offering a reliable and efficient service with easy transactions.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"zempler\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/zempler-business-review\">Zempler Bank<\/a><\/th><td>77%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/zempler-business-review\">Zempler Bank<\/a> is noted for its low fees and effective mobile app. Reviewers value the quick onboarding process and straightforward management.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"lloyds\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/lloyds-business-accounts\">Lloyds Bank<\/a><\/th><td>73%<\/td><td>Long-established <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/lloyds-business-accounts\">Lloyds Bank<\/a> is a trusted provider that makes transactions feel seamless through its reliable service.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"countingup\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/countingup-review\">CountingUp<\/a><\/th><td>73%<\/td><td>Fast and reliable, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/countingup-review\">CountingUp<\/a> is highlighted for its premium customer care and easy-to-manage current account.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"barclays\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/barclays-business-accounts\">Barclays<\/a><\/th><td>70%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/barclays-business-accounts\">Barclays<\/a> is seen as a supportive brand that looks after customers well. Reviewers value the brand&#8217;s integrity and reliable service.<\/td><\/tr><\/tbody><\/table><div><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\">Customer satisfaction scores methodology<\/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\">We asked people who\u2019d used a business bank account within the previous 12 months to rate their satisfaction with the service they received and whether they\u2019d recommend the provider to a friend. Our independent survey of 510 business banking customers was carried out in February 2026.<\/p><p>We have shown the percentage recommended score in the table above and used these ratings to decide the winners of our awards. Where there was a draw on the \u201cwould recommend percentage\u201d, we used the overall rating out of 5 as a tie-breaker.<\/p><p>The customer satisfaction champions were decided by their recommendation scores (the percentage of survey respondents who would recommend the brand to a friend). Any brand which had at least 90% of customers recommend them has been recognised with a customer satisfaction champion award.<\/div>\n  <\/div>\n<\/li><\/ul><h3>Which type of business account should you choose?<\/h3><p>Before you can answer this question, you need to ask yourself <strong>\u201cwhat does my business need from a bank account?\u201d<\/strong><\/p><ul><li>Are you looking for an established bank and the opportunity to talk to someone face to face? If so, a high street bank will be right up your street (pun intended). Application times are likely to be longer, but there\u2019s the option of in-branch banking which might appeal. Popular choices include <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/natwest-business-banking-review\">NatWest<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/lloyds-business-accounts\">Lloyds<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/tsb-business-bank-account-review\">TSB<\/a><\/li><li>Do you like the idea of managing everything online or via an app? Fintechs are digital first and make managing your business finances on the go easy. If you\u2019re not wedded to in-person banking, then there are lots of good fintech providers to choose from. Popular choices include <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/revolut-business-review\">Revolut Business<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/tide-review\">Tide<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/monzo-business-account-review\">Monzo business<\/a><\/li><li>If you\u2019re a global business, do you need a business account that can offer multi-currency services? There are <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/multi-currency-business-accounts\">specific multi-currency accounts<\/a> which let you hold, send and receive international payments, typically at a lower cost than more traditional banking services.<\/li><li>Do you need to get your business up and running quickly? Look for a business provider that has a fast application process so you don\u2019t have to wait around.<\/li><li>Have you got employees that use expenses? Try a <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/prepaid-business-cards\">prepaid business card<\/a> to manage expenses including setting limits, viewing real-time transactions and streamlining your reporting.<\/li><li>Business banks <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/business-switching-offers\">offer switching deals too<\/a>. If you\u2019re looking to make a change, check out any switching incentives or welcome bonuses that are on offer.<\/li><\/ul><article class=\"luna-card luna-card--alt\">\n<div class=\"luna-card__block\">\n<h4>What you should know - Making Tax Digital (MTD)<\/h4>\n<p>If you're a sole trader with a qualifying income of more than \u00a350,000 a year, you'll need to sign up for Making Tax Digital (MTD) from 6 April 2026. Under the new rules, instead of sending one tax return each year, you'll need to submit quarterly tax updates to HMRC and a year-end final declaration. You'll also be required to use MTD-compatible software to keep digital records and make your submissions. Certain business account providers, like <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/tide-review\">Tide<\/a> and others, offer free Making Tax Digital software.<\/p>\n\n<p>The government has introduced MTD in an effort to streamline the tax process, reduce the risk of errors and give businesses a clearer idea of how much tax they will need to pay, giving them longer to prepare and save.<\/p>\n\n<p>MTD is being rolled out in phases, meaning sole traders with a qualifying income of more than \u00a330,000 will be affected from April 2027 and those with an income of more than \u00a320,000 must sign up from April 2028. We have written a <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/making-tax-digital-sole-traders\">detailed guide<\/a> if you want to have more information on the topic. <\/p>\n<\/div>\n<\/article><h3>Bottom line<\/h3><p>There are plenty of business banking providers out there, so you\u2019ll be able to find one that suits the needs of your business. Make sure you know what those are before you start the process of choosing a bank. Some of the newer digital-only banks and business platforms are among the best for customer satisfaction, so if you\u2019re happy to manage your business finances online or through an app, these are definitely worth checking out. <\/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=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What type of bank account is best for small businesses?<\/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>If you\u2019re a small business, you\u2019ll most likely want to keep your costs to a minimum. Bank accounts which don\u2019t charge a monthly fee but that offer simplified bookkeeping and some dedicated business features would be a good fit for your business. <\/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=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Which is the safest bank?<\/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=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Safety is a common concern when choosing a bank, especially if you\u2019re looking to bank online. If you\u2019re keen to learn more about which banks offer the best safety precautions, check out our <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/the-safest-bank-in-the-uk\">guide to the safest banks<\/a>.<\/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=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Do I need a business bank 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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you operate a UK limited company, you legally need a business bank account. If you\u2019re a sole trader or freelancer, it\u2019s not necessary but it can help you keep your business and personal finances separate.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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><\/div>","protected":false},"excerpt":{"rendered":"<p>Use our guide to compare the best banks in the UK and find out how to choose the right bank account for your needs. <\/p>\n","protected":false},"author":1329,"featured_media":319059,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3786],"tags":[],"asset_tag":[],"class_list":["post-559507","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-banking"],"apple_news_notices":[],"yoast_head":"<!-- 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