No annual or monthly fee
Good for
Use the checkbox beside each bank’s name to select and compare banks:
Account fee
Free
Opening time
1 day
Bank transfers
£0.20
Invoicing
doneOverdrafts
closeNo annual or monthly fee
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Account fee
£0
Average account opening time
3.5 Days
Average days to receive a debit card
9 Days
Average days to setup internet banking
1 Day
Compatible accountancy software
Free Agent, Quickbooks, Xero
Bank transfer fee
£0.20
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
closeDirect debit
doneStanding order
doneApple Pay
doneGoogle Pay
doneSamsung Pay
closeIn branch
closeOnline
doneMobile app
doneTelephone
closePost Office
closeSend and exchange money without hidden fees
Easily exchange money in up to 28 currencies at the interbank exchange rate, all from the palm of your hand.
Cut unnecessary costs and save money for growth.
Manage payments the hassle-free way
Staying in control of your business finances has never been easier. See a payments overview with schedule and status information, and execute everything from one place.
Save time with Bulk Payments
Pay multiple invoices or run payroll using bulk payments.
Make multi-currency payments to different countries in one batch.
Get rid of routine work with automated payments
No more forgotten or late payments when you set up scheduled payments in your account.
Automatically notify recipients that you’ve sent a payment, with estimated pay out date.
Connect your apps to simplify work with Revolut Connect
Revolut Connect allows you to connect and integrate in just a click with popular business software that you already use to simplify and streamline your workflow.
Radically better corporate cards
Easily track transactions and control cards activity by employees, including automated notifications.
Set monthly limits and get statements with transactions for each card separately.
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Account fee
Free
Opening time
10 mins
Bank transfers
Free
Invoicing
doneOverdrafts
closeCalculates taxes & VAT for you automatically
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Average account opening time
1 Day
Account fee
Free
Compatible accountancy software
Xero
Bank transfer fee
Free
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
closeDirect debit
doneStanding order
doneApple Pay
closeGoogle Pay
closeSamsung Pay
closeIn branch
closeOnline
doneMobile app
doneTelephone
closePost Office
doneOpen your ANNA business current account in less than 10 minutes and receive your debit Mastercard® within five working days.
24/7 customer support, invoice and expense management, multi-director access, business expense cards for employees with spending controls, one transactions in one place via openbanking connection, get paid via payment link or QR code, instant account open.
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Account fee
Free
Opening time
1 day
Bank transfers
£0.20
Invoicing
doneOverdrafts
closeFree tools for accounting and invoicing
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close Error sending email, please try again.
Average account opening time
1 Day
Average days to receive a debit card
1 Day
Average days to setup internet banking
1 Day
Account fee
Free
Compatible accountancy software
Free Agent, Quickbooks, Xero, Sage
Bank transfer fee
£0.20
Overdraft facility
closeDedicated relationship manager
closeIn branch
closeOnline
doneMobile app
doneTelephone
closePost Office
done· Free business bank account with no monthly fees
· Sign up in minutes
· FSCS protected bank account provided by Clearbank
· Free tools for accounting and invoicing
· Add up to 35 business expense cards for free
· Virtual office address service
· Free receipt importer
· Free mastercard usage globally
· In app support 365 days a year
· Free VAT manager
· Free invoicing tool
· Free company formations tool
· Invoice protection – For limited companies only
· No credit check required
ATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
closeDirect debit
doneStanding order
doneApple Pay
doneGoogle Pay
closeSamsung Pay
closeReceipt importer:
Upload or take a photo of the receipt and we’ll find the matching transaction. Upload receipts in bulk, or as you go.
VAT Manager:
Calculate and file your monthly or quarterly VAT returns directly from your Tide account.
Payment via Direct Debit
Tide has partnered with GoCardless so you can get your invoices paid by Direct Debit. With GoCardless, you’ll save time on admin and you’re more likely to get paid on time!
Tide Masterclasses:
View upcoming events at tide.co/events and watch previous Masterclasses at tide.co/blog
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email Email successfully sent
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Average account opening time
2 days
Account fee
£6.50
Compatible accountancy software
Sage
Bank transfer fee
Free
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
doneCharge card
closeCheque
closeDirect debit
doneStanding order
doneApple Pay
closeGoogle Pay
closeSamsung Pay
closeIn branch
doneOnline
closeMobile app
doneTelephone
donePost Office
doneemail Email successfully sent
close Error sending email, please try again.
Account fee
Free
Opening time
Up to 5 days
Bank transfers
Free
Invoicing
doneOverdrafts
closeIBAN accounts in GBP, USD and EUR
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close Error sending email, please try again.
Average account opening time
Up to 5 days
Account fee
Free
Compatible accountancy software
Xero
Bank transfer fee
Free
Overdraft facility
closeDedicated relationship manager
doneATM
doneDebit card
closeCredit card
closeCharge card
doneCheque
closeDirect debit
doneStanding order
doneApple Pay
closeGoogle Pay
closeSamsung Pay
closeIn branch
closeOnline
doneMobile app
closeTelephone
closePost Office
closeJuni is the financial platform built for ecommerce
The Juni dashboard allows you to integrate your payment gateways, different bank accounts and ad networks in one dashboard allowing you to track all your funds, monitor your ROI and improve your cashflow.
With the help of the roles and permissions feature, you can grant your team custom access to Juni while retaining control and peace of mind.
Physical Juni cards available in GBP and as many virtual Juni cards as you need in GBP, EUR and USD. You’ll also get 2% cashback for your first 30 days, up to 1% thereafter. Cashback is paid on all eligible card spend.
World-class support with dedicated account managers.
Free business account with no sign up fee or monthly fees.
Apply in a few clicks.
Create IBAN accounts in GBP, USD and EUR, avoid paying unnecessary conversion fees by paying in the right currency.
Juni’s integration with Xero allows you to automatically sync your transactions from Juni directly to your Xero accounting software.
Juni’s partnership with SafeConnect allows you to instantly top up your Juni accounts in less than 30 seconds without having to manually enter your account details.
Improve cash flow with the option to apply for interest-free credit lines. Lines range from £10k to £2million with 37 to 60-day payment terms. Credit is available for UK companies only, upon eligibility. Penalties and interest may apply for customers that default on payments. Terms and conditions apply. See website for full details.
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Account fee
Free
Opening time
10 mins
Bank transfers
£0.20
Invoicing
doneOverdrafts
closeNew Limited company registration
email Email successfully sent
close Error sending email, please try again.
Average account opening time
10 minutes
Account fee
Free
Compatible accountancy software
Bank transfer fee
£0.20
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
closeDirect debit
closeStanding order
closeApple Pay
closeGoogle Pay
closeSamsung Pay
closeIn branch
closeOnline
doneMobile app
doneTelephone
closePost Office
closeNew Limited Company Registration
Submit your new company registration in less than 10 minutes
Open new company within 1 working day
Free business bank account and invoicing tool included
Smart Business Bank Account:
Open a bank account in under 10 minutes
Get access to all the tools, including Invoicing, Payments, Contacts manager, straight away
Receive a Mastercard in 5 working days
Manage your card online (freeze/unfreeze, view pin, cancel & request new)
Make payments protected with SCA
Categorise transactions
Invoicing Portal
Your customers will pay your invoices in 1 Click
Free with GoSolo business bank account
Raise invoices inside your banking app
Professional looking invoices with your logo and colours
Automatically match incoming payments to the invoices
Send automatic reminders to late customers
Register a UK Limited company and get a business bank account in a simple guided process
Free business bank account with no hidden charges
Free Mastercard with a business bank account
Free Mobile and Web App
Free company formation tool
Free tools for accounting and invoicing
Free tool for managing business contacts
Free GoSolo entrepreneur community support
Support 24/7
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Account fee
No monthly or annual fees, just an initial £9.95 card fee
Opening time
4 mins
Bank transfers
First 3 free each month and the £0.30 thereafter
Invoicing
doneOverdrafts
doneIntegrated with all accounting packages
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Average account opening time
4 Minutes
Account fee
No monthly or annual fees, just an initial £9.95 initial card fee
Average days to receive a debit card
3 Days
Average days to setup internet banking
1 Day
Compatible accountancy software
Integrated with all leading UK accountancy packages
Bank transfer fee
First 3 free each month and the £0.30 thereafter
Overdraft facility
doneDedicated relationship manager
closeATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
closeDirect debit
doneStanding order
doneApple Pay
closeGoogle Pay
closeSamsung Pay
closeIn branch
closeOnline
doneMobile app
doneTelephone
donePost Office
donePay 0.3% (min £2) on cash deposits via the Post Office
High street presence via Post Office branch network – 11.5k branches
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Account fee
£8
Opening time
15 Days
Bank transfers
Free
Invoicing
doneOverdrafts
closeFree banking for 12 months
email Email successfully sent
close Error sending email, please try again.
Average account opening time
15 Days
Account fee
£8
Compatible accountancy software
Sage
Bank transfer fee
Free
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
doneCharge card
closeCheque
doneDirect debit
doneStanding order
doneApple Pay
closeGoogle Pay
closeSamsung Pay
closeIn branch
doneOnline
doneMobile app
doneTelephone
donePost Office
doneemail Email successfully sent
close Error sending email, please try again.
Account fee
£4.16 (£50/year)
Opening time
Your account can be opened on the same day you apply
Bank transfers
Free in 20 major currencies, 1.5% fee for other currencies
Invoicing
closeOverdrafts
closeManage business expenses easily with complete control & get great rates on international transfers. Free for charities & non-profits. No credit checks.
Overdraft Facility
closeDedicated relationship manager
doneATM
doneDebit Card
doneCredit Card
closeCharge Card
closeCheque
closeDirect Debit
doneStanding Order
doneApple Pay
doneGoogle Pay
doneSamsung Pay
doneIn branch
closeOnline
doneMobile App
doneTelephone
donePost Office
closeFree non-sterling transactions in 20 major currencies, and just 1.5% transaction fee in exotic currencies for both card transactions and international payments. Get access to 140+ currencies, send, recieve and manage (hold) funds in 38 currencies.
Our multi-currency IBANs allow you to make international transfers 24/7 that are tailored to your business, so you can get the most out of your money.
Join over 20,000 companies we’ve helped take control of their business expenses. We’ve helped our customers manage and move over £10 billion around the world since we started in 2005. Our cards, app and online platform give you complete control and visibility over team spending.
Access for unlimited users
Get complete control – teams only spend what you put on their cards, and you can adjust permissions for individual users so you have full visibility over their spending.
We offer same-day and next working day payments with most of our currencies so you can get settlements faster.
Protect your business from volatile currency markets with expert support on international payments from your dedicated account manager who is available Mon-Fri 08:00-17:00.
Work around the world – our cards* can be used in over 190 countries wherever Mastercard is accepted, and users can request top-ups anytime in our app.
£10 fee applies for each physical card, upto 100 available. Virtual cards are free and unlimited.
How we keep your money safe – we hold your funds in specially designated, safeguarded bank accounts, which keep your funds separated from our other assets. This means your funds are protected, however the Equals Money account does not fall under the Financial Services Compensation Scheme. Please see the product FAQs for more information.
Account fee
Free for 12 months, then £6
Opening time
Within 3 weeks
Bank transfers
From £0.35
Invoicing
doneOverdrafts
Subject to availability
12 months FREE banking
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Average account opening time
5 Weeks
Account fee
£6.00
per month
Average days to receive a debit card
4 Days
Average days to setup internet banking
5 Days
Compatible accountancy software
Quickbooks, Xero
Bank transfer fee
£0.35
Subject to availability
Access to relationship managers
doneATM
doneDebit card
doneCredit card
doneCharge card
doneCheque
doneDirect debit
doneStanding order
doneApple Pay
doneGoogle Pay
closeSamsung Pay
closeIn branch
doneOnline
doneMobile app
doneTelephone
donePost Office
doneBarclays Business Banking – Here to support all stages of your business growth.
We make sure you have all the tools you need to run and grow your business effectively with:
– Free Online Banking for 12 months
– Free invoicing and account software from FreshBooks*, saving your business over £260 per year, giving you everything
you need to manage your invoices and expenses
– Simple everyday banking, so you can spend less time managing money and more time focused on your business
– A team of industry specialists dedicated to offering your business personalised advice and tailored financial solutions to
help you achieve sustainable success.
– Experts in cashflow, international expansion, payments and more. Our teams will help you fuel growth and navigate
your business.
Open a Business Current Account with us and find out why we have been voted Moneyfacts Start-up Bank of the Year for six
years running (2017 to 2022).
* 1. As a Barclays Business Current Account customer, you’ll have free access to FreshBooks’ package developed exclusively for Barclays Business Current Account customers, which is based on the
existing FreshBooks £22 package, with some additional features. FreshBooks usually charge for their open-to-market packages. Only Barclays Business Current Account customers who complete the
sign-up journey with FreshBooks and agree to FreshBooks’ terms and conditions will receive the FreshBooks service for free, for as long as they continue to be eligible Barclays Business Current Account
customers. If you close all your Barclays Business Current Accounts, this means your free use of the FreshBooks service will end too. If we end our partnership with FreshBooks, you won’t get the
FreshBooks service for free anymore. We will let you know if that happens. You’ll then need to download all your data and reports to make sure you keep your records safe and secure, so you comply with
Making Tax Digital requirements. You can also choose to upgrade to a paid package at your own cost. If you decide to upgrade from the free FreshBooks service with FreshBooks to another FreshBooks
plan and pay the full price to FreshBooks, Barclays Bank PLC may receive commission from FreshBooks for this Return to reference
* 2. Referred products are owned and provided by FreshBooks. Alternative service providers in the market may offer similar products. If you sign up to FreshBooks, you’ll need to read and accept their
terms and conditions, if you agree with them. Once you become a FreshBooks customer, you’re bound by their terms and conditions; this is separate from and in addition to the terms and conditions you
are subject to under your Barclays Business Current Account(s). FreshBooks is offering this service free to people who already bank with us. Barclays Bank UK PLC doesn’t receive commission. Barclays
Bank PLC receives commission from upgrades. Return to reference
3. We don’t offer tax advice. If you’re not sure about tax or how VAT and other forms of tax work, seek independent financial advice. More Information about tax can be found on His Majesty’s Revenue
and Customs website. Return to reference
4.This product is available to customers of Barclays Bank UK PLC, through referral to Barclays Bank PLC. Return to reference
5. Business overdrafts are not provided automatically on opening a Barclays Business Current Account. Business overdrafts are subject to application and status once a Business Current Account has
been opened.
Independent Service Quality Survey Results
Overall service in europe
email Email successfully sent
close Error sending email, please try again.
Account Fee
From £6
Opening time
Within 3 weeks
Bank transfers
From £0.35
Invoicing
doneOverdrafts
Subject to availability
Multiple tariffs to suit your business
email Email successfully sent
close Error sending email, please try again.
Average Account Opening Time
7 days
Account Fee
£6.00
per month
Average days to receive a debit card
4 Days
Average days to setup internet banking
5 Days
Compatible Accountancy Software
Quickbooks, Xero
Bank Transfer Fee
£0.35
Subject to availability
Access to relationship managers
doneATM
doneDebit Card
doneCredit Card
doneCharge Card
doneCheque
doneDirect Debit
doneStanding Order
doneApple Pay
doneGoogle Pay
closeSamsung Pay
closeIn branch
doneOnline
doneMobile app
doneTelephone
donePost Office
doneBarclays Business Banking – Here to support all stages of your business growth.
We make sure you have all the tools you need to run and grow your business effectively with:
– Free Online Banking for 12 months
– Free invoicing and account software from FreshBooks*, saving your business over £260 per year, giving you everything
you need to manage your invoices and expenses
– Simple everyday banking, so you can spend less time managing money and more time focused on your business
– A team of industry specialists dedicated to offering your business personalised advice and tailored financial solutions to
help you achieve sustainable success.
– Experts in cashflow, international expansion, payments and more. Our teams will help you fuel growth and navigate
your business.
Open a Business Current Account with us and find out why we have been voted Moneyfacts Start-up Bank of the Year for six
years running (2017 to 2022).
* 1. As a Barclays Business Current Account customer, you’ll have free access to FreshBooks’ package developed exclusively for Barclays Business Current Account customers, which is based on the
existing FreshBooks £22 package, with some additional features. FreshBooks usually charge for their open-to-market packages. Only Barclays Business Current Account customers who complete the
sign-up journey with FreshBooks and agree to FreshBooks’ terms and conditions will receive the FreshBooks service for free, for as long as they continue to be eligible Barclays Business Current Account
customers. If you close all your Barclays Business Current Accounts, this means your free use of the FreshBooks service will end too. If we end our partnership with FreshBooks, you won’t get the
FreshBooks service for free anymore. We will let you know if that happens. You’ll then need to download all your data and reports to make sure you keep your records safe and secure, so you comply with
Making Tax Digital requirements. You can also choose to upgrade to a paid package at your own cost. If you decide to upgrade from the free FreshBooks service with FreshBooks to another FreshBooks
plan and pay the full price to FreshBooks, Barclays Bank PLC may receive commission from FreshBooks for this Return to reference
* 2. Referred products are owned and provided by FreshBooks. Alternative service providers in the market may offer similar products. If you sign up to FreshBooks, you’ll need to read and accept their
terms and conditions, if you agree with them. Once you become a FreshBooks customer, you’re bound by their terms and conditions; this is separate from and in addition to the terms and conditions you
are subject to under your Barclays Business Current Account(s). FreshBooks is offering this service free to people who already bank with us. Barclays Bank UK PLC doesn’t receive commission. Barclays
Bank PLC receives commission from upgrades. Return to reference
3. We don’t offer tax advice. If you’re not sure about tax or how VAT and other forms of tax work, seek independent financial advice. More Information about tax can be found on His Majesty’s Revenue
and Customs website. Return to reference
4.This product is available to customers of Barclays Bank UK PLC, through referral to Barclays Bank PLC. Return to reference
5. Business overdrafts are not provided automatically on opening a Barclays Business Current Account. Business overdrafts are subject to application and status once a Business Current Account has
been opened.
Independent Service Quality Survey Results
Overall service in europe
email Email successfully sent
close Error sending email, please try again.
Account fee
FREE for first 3 months then £12.50 per month + an application fee of £55
Opening time
4 hours
Bank transfers
£0.30
Invoicing
closeOverdrafts
closeNo credit checks
email Email successfully sent
close Error sending email, please try again.
Average account opening time
1 Day
Account fee
£12.50
Compatible accountancy software
Fully compatible with all accounting software
Bank transfer fee
From £0.30
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
doneDirect debit
doneStanding order
doneApple Pay
closeGoogle Pay
closeSamsung Pay
closeIn branch (you can only bank in branch to pay in cheques or withdraw cash via Barclays branches)
doneOnline
doneMobile app
doneTelephone
donePost Office
closeemail Email successfully sent
close Error sending email, please try again.
Account fee
£25 per month
Opening time
1 day
Bank transfers
First 100 free then £0.20
Invoicing
doneOverdrafts
closeEcommerce: accept payments on your checkout page and with platform plugins
email Email successfully sent
close Error sending email, please try again.
Average account opening time
1 Day
Account fee
£25
per month
Average days to receive a debit card
9 Days
Average days to setup internet banking
1 Day
Compatible accountancy software
Free Agent, Quickbooks, Xero
Bank transfer fee
£0
£0.20 after first 100 transfers
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
closeDirect debit
doneStanding order
doneApple Pay
doneGoogle Pay
doneSamsung Pay
closeIn branch
closeOnline
doneMobile app
doneTelephone
closePost Office
closeSend and exchange money without hidden fees
Easily exchange money in up to 28 currencies at the interbank exchange rate, all from the palm of your hand.
Cut unnecessary costs and save money for growth.
Manage payments the hassle-free way
Staying in control of your business finances has never been easier. See a payments overview with schedule and status information, and execute everything from one place.
Save time with Bulk Payments
Pay multiple invoices or run payroll using bulk payments.
Make multi-currency payments to different countries in one batch.
Get rid of routine work with automated payments
No more forgotten or late payments when you set up scheduled payments in your account.
Automatically notify recipients that you’ve sent a payment, with estimated pay out date.
Connect your apps to simplify work with Revolut Connect
Revolut Connect allows you to connect and integrate in just a click with popular business software that you already use to simplify and streamline your workflow.
Radically better corporate cards
Easily track transactions and control cards activity by employees, including automated notifications.
Set monthly limits and get statements with transactions for each card separately.
email Email successfully sent
close Error sending email, please try again.
Account fee
Free. £20 sign-up bonus. T&Cs apply
Opening time
A few minutes, if you have a Revolut account already
Bank transfers
£0 (though recipient banking fees may apply)
Invoicing
doneOverdrafts
closeRevolut Pro is the all-in-one account for freelancers, side-hustlers, and sole traders
Average account opening time
A few minutes, if you have a Revolut account already
Account fee
£0
Compatible accountancy software
No
Bank transfer fee
£0 (though recipient banking fees may apply)
Overdraft facility
closeDedicated relationship manager
closeATM
doneDebit card
doneCredit card
closeCharge card
closeCheque
closeDirect debit
doneStanding order
doneApple Pay
doneGoogle Pay
doneSamsung Pay
closeIn branch
closeOnline
doneMobile app
doneTelephone
closePost Office
closeAccount fee
from £29
Opening time
Within 1 week
Bank transfers
From 1 EUR
Invoicing
closeOverdrafts
closeemail Email successfully sent
close Error sending email, please try again.
Average days to open an account
Within 1 week
Average days to receive a corporate card
Virtual - instant, plastic 2-3 business days (within UK), 7-10 (international)
Average days to setup internet banking
Instant
Online
doneAll customers get Personal Manager support.
doneWith a strong focus on businesses with cross-border payment needs MultiPass offers a single account with an IBAN and local UK, US, EU details for quick and simple domestic transactions in GBP, USD, EUR and global payments in 30+ currencies. The platform lets you hold balances in multiple currencies and perform instant FX service at bank-beating rates that are especially valued by low margin businesses. Additionaly, all customers get Personal Manager support.
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* Swoop’s service features a selection of providers from whom we receive commission.
Compare all features | Free | Grow | ||||||||||
Free account | done | done | done | done | done | done | done Note | done | done | close | close | close |
Overdrafts | close | close | close | close | close | close | done | done | done | done | close | close |
Loans | close | close | done | close | close | close | done | done | done | done | close | close |
24/7 customer support | done | close | done | close | close | done | close | close | done | done | done | done |
Great for sole traders & startups | done | done | done | done | done | done | done | done | done | close | done | close |
Bank in branch | close | close | close | close | close | close | done Note | done | done | done | done | close |
UK regulated bank | close | close | close | close | close | close | done | done | done | done | close | close |
FSCS deposit protection (up to £85,000) | close | close | done | close | close | close | close | done | done | done | close | close |
Invoicing | done | done | done | done | done | done | close | done | done | done | close | close |
Multi currency accounts | done Note | close Note | done | close Note | done Note | close | close | done Note | done Note | done Note | close | done Note |
Connects to Xero | done | done | done | done | done | close | close | done | done | done | close | done |
Connects to Quickbooks | done | close | done | close | close | close | done | close | close | close | close | done |
Connects to Sage | done | close | done | close | close | close | done | done | done | done | close | done |
Connects to Free Agent | done | close | done | close | close | close | done | close | done | done | close | done |