{"id":563216,"date":"2025-08-22T11:15:41","date_gmt":"2025-08-22T10:15:41","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=563216"},"modified":"2026-01-13T17:46:24","modified_gmt":"2026-01-13T17:46:24","slug":"sme-business-bank-account","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-banking\/sme-business-bank-account","title":{"rendered":"7 things every SME should look for in a business bank account"},"content":{"rendered":"<style>\n.f1Masthead { padding-top: 0px; padding-bottom: 40px; }\n.f1Masthead__top { justify-content: center; }\n.f1Masthead__wrapper { margin-bottom: 0px; }\n.f1Masthead__mainSection { text-align: center; padding-top: 0px; }\n.f1Masthead__disclaimer, .f1__calculator.f1Masthead__sub, .previous-next-post, h4.luna-sectionTitle, .readMoreOnTopic, .usefulness-widget-content, .search-desktop { display: none !important; }\n.authorByline { justify-content: center; align-items: center; }\n.f1Masthead .authorByline__authorNamesDetails { gap: 2px; 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}\n.sticker_cards::after { background-image: url('https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/sticker_cards_260.png'); }\n.sticker_hoover::after { background-image: url('https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/gohenry_bluehoover_sticker.png'); }\n.sticker_target::after { background-image: url('https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/gohenry_target_sticker_260.png'); }\n.sticker_piggybank::after { background-image: url('https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/sticker_gohenrypiggybank_260.png'); }\n\n#threadouter { background-color: #e5ffed; margin-bottom: 2em; }\n#thread { width: 100%; height: 100vw; max-height: 700px; margin: 2em 0em 0em 0em; padding: 0px; box-sizing: border-box; scroll-behavior: smooth; overflow-y: auto; scrollbar-width: none; -ms-overflow-style: none; }\n#threadinner { width: 100%; opacity: 0.99; background: rgba(255,255,255,0.001); }\n#threadinnermost { width: 80%; max-width: 500px; margin: auto; }\n#threadpeople { margin: auto; width: 100%; max-width: 1500px; position: relative; }\n.threadperson { position: absolute; max-width: 56%; filter: drop-shadow(0 0 12px rgba(10, 10, 10, 0.4)); }\n.threadpersonl { left: 0px; transform: rotate(-2deg); }\n.threadpersonr { right: 0px; transform: rotate(2deg); }\n#thread::-webkit-scrollbar { display: none; }\n#thread .message { display: flex; width: fit-content; max-width: 80%; padding: 12px; margin-top: 0px; margin-bottom: 25px; font-weight: 500; line-height: 1.5; clear: both; border-radius: 12px; position: relative; position: sticky; top: 0; transition: opacity 0.15s ease; }\n#thread .message:last-child { margin-bottom: 300px !important; }\n#thread .messagel { background: #ffd23b; margin-left: 0px; margin-right: auto; text-align: left; border-bottom-left-radius: 0; }\n#thread .messager { background: #ff73a9; margin-left: auto; margin-right: 0px; text-align: right; border-bottom-right-radius: 0; }\n@media (max-width: 1300px) { #threadpeople { width: 640px; max-width: 90%; } #threadpeople::after { content: ''; display: block; padding-bottom: 65%; } .threadperson { width: 56%; } }\n@media (max-width: 600px) {\n.ukfin_sponsored_article_body .ukfin_sponsor .u-grid__col { text-align: center; }\n.ukfin_sponsored_article_step .ukfin_sponsored_article_next_step_arrow { bottom: -30px; width: 90px; }\n}\n<\/style>\n\n<div class=\"u-bg--background-secondary\">\n<div class=\"ukfin_sponsored_article_body has-padding-top-xsmall has-padding-bottom-small text-center\">\n<p class=\"text-xx-small no-margin-bottom\">Paid for by:<\/p>\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_260.png\" style=\"width: 100px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_260.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_260.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\">\n<\/div>\n<\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large\"><p>As an SME, finding the right bank account can be essential for achieving your growth goals. Business accounts aren\u2019t just somewhere to store your money; they can open the door to smoother operations, increased growth and improved cost-efficiency. <\/p><p>But it\u2019s not one size fits all when it comes to choosing your business account. So here are 7 things that every SME should look for in a business bank account.<\/p><\/div><div class=\"u-bg--background-secondary\"><div class=\"ukfin_sponsored_article_body has-padding-top-large sponsorpanel\"><article class=\"ukfin_sponsor luna-card luna-card--shadow no-margin-bottom\"><div class=\"luna-card__block has-padding-top-xsmall\"><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/4@s u-grid__col--orderLast@s text-center no-padding-bottom\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png\" alt=\"iFast app and card\" class=\"has-padding-top-xsmall has-padding-bottom-xsmall\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@s no-padding-bottom\"><p>Manage, receive and send in 8 major currencies while enjoying an interest rate of GBP 2.65% AER (variable)* on working capital. With iFAST Global Bank\u2019s Multi-Currency Business account, you can get instant access to your money and enjoy FSCS protection on all 8 currencies.<\/p><p class=\"text-xx-small\">*Interest rates are variable and subject to change. For up-to-date rates, please refer to <a href=\"https:\/\/www.ifastgb.com\/en\/commercial-banking\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ifastgb.com\/en\/commercial-banking<\/a>.<\/p><\/div><\/div><\/div><\/article><\/div><\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large\"><h3><span class=\"ordinal\">1<\/span> Getting set up in minutes, not days<\/h3><p>If you\u2019re a busy business owner, finding a business account that\u2019s fast and easy to open can help buy back some precious time. <\/p><p>Look for an account which has an online sign-up process and minimal paperwork. For example, iFAST Global Bank has a completely digital onboarding process. All you need to do is provide your company name, and iFAST Global Bank will be able to bring up your Companies House information. Simply answer a few questions on what your company does, upload the required supporting documents, and you\u2019re good to go.<\/p><h3><span class=\"ordinal\">2<\/span> No nasty surprises \u2013 just fair, transparent fees<\/h3><p>As an SME, you\u2019ll want to keep costs to a minimum. There are loads of \u201cfree\u201d business bank accounts out there, but they don\u2019t always offer real value for money. For example, there may not be a monthly fee, but you could get hit with charges for going above transaction limits or adding more employees to the account. <\/p><p>Instead of looking for a \u201cfree\u201d account, look for an account which has low monthly fees but no additional charges. iFAST Global Bank\u2019s SME Business Banking has no onboarding fees and a monthly fee of just \u00a35 per month, which is waived for the coming month if your company has had a previous average monthly balance of over \u00a310,000.<\/p><h3><span class=\"ordinal\">3<\/span> Payments that keep up with your business<\/h3><p>Think about the features that are really going to make a difference to the day-to-day running of your business. Here are a few capabilities that can supercharge your efficiency:<\/p><ul><li>Same day payments<\/li><li>International payments<\/li><li>Direct debits<\/li><li>Invoicing<\/li><li>Virtual cards<\/li><li>Bulk payments<\/li><\/ul><p>As mentioned, it\u2019s also important to look at whether or not any of these features have additional fees. It\u2019s all well and good having same-day payments, but not if the transaction limits are low. There are banks, like iFAST Global Bank, that don\u2019t have transaction limits, so you don\u2019t need to worry about being hit with an additional charge when making a payment. <\/p><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_global_multi_currency.png\" width=\"680\" height=\"497\" alt=\"iFast app FX feature\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_global_multi_currency.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_global_multi_currency.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_global_multi_currency.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_global_multi_currency.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_global_multi_currency.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_global_multi_currency.png?fit=2040 2040w\" sizes=\"(max-width: 2040px) 100vw, 2040px\" loading=\"lazy\"><\/p><\/div><div class=\"u-bg--background-secondary\"><div class=\"ukfin_sponsored_article_body has-padding-top-large sponsorpanel\"><article class=\"ukfin_sponsor luna-card luna-card--shadow no-margin-bottom\"><div class=\"luna-card__block has-padding-top-xsmall\"><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/4@s u-grid__col--orderLast@s text-center no-padding-bottom\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png\" alt=\"iFast app and card\" class=\"has-padding-top-xsmall has-padding-bottom-xsmall\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/iFAST-business-debit-card.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@s no-padding-bottom\"><p>Manage, receive and send in 8 major currencies while enjoying an interest rate of GBP 2.65% AER (variable)* on working capital. With iFAST Global Bank\u2019s Multi-Currency Business account, you can get instant access to your money and enjoy FSCS protection on all 8 currencies.<\/p><p class=\"text-xx-small\">*Interest rates are variable and subject to change. For up-to-date rates, please refer to <a href=\"https:\/\/www.ifastgb.com\/en\/commercial-banking\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ifastgb.com\/en\/commercial-banking<\/a>.<\/p><\/div><\/div><\/div><\/article><\/div><\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large\"><h3><span class=\"ordinal\">4<\/span> Real help, when you really need it<\/h3><p>When things go wrong, you want to know that you can get help quickly. It\u2019s important to have 24\/7 customer support, especially if your business operates in different countries. An added bonus is if that customer support is available in a mix of global languages. iFAST Global Bank has a 24\/7 chatroom with AI. If this can\u2019t solve your problem, its customer support team will get in touch and be able to offer support in 3 different languages.  <\/p><p>Once your business grows, you can also look to get an account which has relationship managers to help you to manage your finances.<\/p><h3><span class=\"ordinal\">5<\/span> A little interest goes a long way<\/h3><p>When starting out, you want to maximise every potential opportunity. A business account, like iFAST Global Bank\u2019s Multi-Currency Business Account* that pays you 2.65% AER (variable) interest on your GBP balance^, can help boost your profits without any effort. iFAST Global Bank even pays interest on the different currencies held in your account. For example, you can earn 2.55% AER (variable) on USD and 0.75% AER (variable) on EUR^- as well as others \u2013 which is rare for a business account.<\/p><p>This feature is particularly helpful if your business has healthy cash reserves or seasonal income fluctuations. Earning interest on the capital that\u2019s just sat in your account can help offset the impact of inflation and encourage better cash flow management, as you\u2019ll want to maintain a buffer to really feel the benefits of earning interest.<\/p><p>*The iFAST Multi-Currency Business Account and debit card are available only to businesses registered in the UK.<\/p><p>^ Interest rates are variable and subject to change. For up-to-date rates, please refer to <a href=\"https:\/\/www.ifastgb.com\/en\/commercial-banking\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ifastgb.com\/en\/commercial-banking<\/a>.<\/p><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/10\/ifast_rates.png\" width=\"680\" height=\"497\" alt=\"iFast app savings feature\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/10\/ifast_rates.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/10\/ifast_rates.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/10\/ifast_rates.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/10\/ifast_rates.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/10\/ifast_rates.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/10\/ifast_rates.png?fit=2040 2040w\" sizes=\"(max-width: 2040px) 100vw, 2040px\" loading=\"lazy\"><\/p><h3><span class=\"ordinal\">6<\/span> Less admin, more business<\/h3><p>Expense tracking, receipt capture, spending analysis and budgeting tools can all help to level up your business operations. Features like multiple users and alerts for low balances or suspicious activities can streamline your processes and improve your efficiency. <\/p><p class=\"has-padding-large has-padding-top-medium has-padding-bottom-medium u-color--blue-500 text-center text-xxx-large u-italic u-leading--snug no-margin-bottom\">\u201cExpense tracking, receipt capture, spending analysis and budgeting tools can all help to level up your business operations.\u201d<\/p><h3><span class=\"ordinal\">7<\/span> Automate the boring bits of bookkeeping<\/h3><p>Having the right tools for the job is a must and, in this instance, we\u2019re talking about accounting tools. Business bank accounts can integrate with software like Xero, QuickBooks or Sage, which reduce admin and improve cash flow visibility. You\u2019ll be able to feel the benefit of automatic transaction syncing and categorisation, all through your business account. Keep your eye out, as iFAST Global Bank is due to launch accounting integrations soon!<\/p><\/div><div class=\"u-bg--background-secondary\"><div class=\"ukfin_sponsored_article_body has-padding-top-large sponsorpanel\"><article class=\"ukfin_sponsor luna-card luna-card--shadow no-margin-bottom\"><div class=\"luna-card__block has-padding-top-xsmall\"><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/4@s u-grid__col--orderLast@s text-center no-padding-bottom\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_260.png\" alt=\"iFast logo\" class=\"has-padding-top-xsmall has-padding-bottom-xsmall\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_260.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_260.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/08\/ifast_260.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@s has-padding-bottom-small\"><p><strong class=\"text-xx-large u-italic\">iFAST Global Bank: The UK digital bank that bridges you to the world.<\/strong><\/p><p>Apply and get a Multi-Currency Business account with access to GBP, USD, EUR, HKD, SGD, CNY, AED and JPY. All in one place, no more hassle! <\/p><\/div><\/div><\/div><\/article><\/div><\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large text-small\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Is your business just starting out? Here are 7 things every SME should look for in a business bank account. (Paid content)<\/p>\n","protected":false},"author":1329,"featured_media":294283,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"business bank account for sme","_yoast_wpseo_title":"7 things every SME should look for in a business bank account","_yoast_wpseo_metadesc":"Is your business just starting out? 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