Compare bad credit business accounts

Ways to bank – Additional info

Open your ANNA business current account in less than 10 minutes and receive your debit Mastercard® within five working days.

Additional account features

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.

Additional account features

Simple pricing and free electronic payments.

Mobile Business Banking app.

12 months’ free day-to-day business banking for new businesses*.

Dedicated support from our UK-based business management team.

Useful guides and practical business tools.

Free day-to-day business banking includes electronic payments, cheques, cash, deposits and withdrawals. All we ask is that you operate your account in credit or within agreed limits. Free electronic payments include Direct Debits, Standing Orders, Debit Card Transactions, Bank of Scotland/Other Bank ATM Withdrawals, Internet/Phonebank Debits/Credits, Faster Payment Debits/Credits, Internet Bulk Payments and Automated Credits.

Ways to bank – Additional info

Inter-bank agency agreement
Inter-bank agency agreements are arrangements between banks, which provide a range of branch counter services to another bank’s customers by prior arrangement.
They provide a convenient service to business customers who find accessing their own bank’s branches difficult.

Overdrafts

Debit interest is charged and monthly usage or annual fees will apply depending on the amount you borrow. Unauthorised borrowing charges will apply.

All lending is subject to status. Security may be required. A Guarantee may be required for Limited Companies and Limited Liability Partnerships.

We adhere to The Standards of Lending Practise which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

Cardnet®
Accept card payments online, face-to-face and over the phone. Foreign currency conversion for overseas customers.
Easily track payments with sophisticated online reporting tools.

Cardless Immediate Deposit Machines (IDM)
We will encourage the use of our new Cardless Immediate Deposit Machines, which allow you to make deposits of up to 50 notes and 5 cheques without a physical card present.

Financial Services Compensation Scheme (FSCS)
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Cardnet® is a registered trademark of Lloyds Bank plc

Additional account features

Simple pricing and free electronic payments.

Mobile Business Banking app.

12 months free day to day business banking for switcher businesses*

Dedicated support from our UK-based business management team.

Useful guides and practical business tools.

Free day-to-day business banking includes electronic payments, cheques, cash, deposits and withdrawals. All we ask is that you operate your account in credit or within agreed limits. Free electronic payments include Direct Debits, Standing Orders, Debit Card Transactions, Bank of Scotland/Other Bank ATM Withdrawals, Internet/Phonebank Debits/Credits, Faster Payment Debits/Credits, Internet Bulk Payments and Automated Credits.

Ways to bank – Additional info

Inter-bank agency agreement
Inter-bank agency agreements are arrangements between banks, which provide a range of branch counter services to another bank’s customers by prior arrangement.
They provide a convenient service to business customers who find accessing their own bank’s branches difficult.

Overdrafts

Debit interest is charged and monthly usage or annual fees will apply depending on the amount you borrow. Unauthorised borrowing charges will apply.

All lending is subject to status. Security may be required. A Guarantee may be required for Limited Companies and Limited Liability Partnerships.

We adhere to The Standards of Lending Practise which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

Cardnet®
Accept card payments online, face-to-face and over the phone. Foreign currency conversion for overseas customers.
Easily track payments with sophisticated online reporting tools.

Cardless Immediate Deposit Machines (IDM)
We will encourage the use of our new Cardless Immediate Deposit Machines, which allow you to make deposits of up to 50 notes and 5 cheques without a physical card present.

Financial Services Compensation Scheme (FSCS)
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Cardnet® is a registered trademark of Lloyds Bank plc

Overdraft facility

Subject to availability

Ways to bank – Additional info

Additional account features

Barclays 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.

Overdraft facility

Subject to availability

Ways to bank – Additional info

Additional account features

Barclays 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.

Additional information

• The application fee is £55
• No credit checks are needed to open an account
• We aim to open the account in a matter of hours (this may take longer if additional information is needed.)
• The Card One Money Business account does not fall under the Financial Services Compensation Scheme. Your funds are protected in safeguarded bank accounts. Please see product FAQs for more information.
• Cheques can be paid into a Barclays Branch using the Giro book provided at £10 for 18 slips. Deposits are charged at 0.75% of the amount funded.

Additional account features

• Pay in cash via your local Barclays branch.
• Pay in cheques via Barclays branches.
• IBAN & SWIFT can be provided.
• Account can be managed online or via our UK based contact centre.

Ways to bank – Additional info

• SME friendly mobile app & online servicing
• Categorise transactions on the go
• Receipt capture feature
• Spend reports
• Order additional expense cards for staff
• Integrated with all accounting packages

Additional account features

Pay 0.3% (min £2) on cash deposits via the Post Office

High street presence via Post Office branch network – 11.5k branches

Ways to bank – Additional info

New 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

Additional account features

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

Ways to bank – Additional info

Additional account features

• Features at a glance
  • Apply for an account in minutes
  • Make domestic payments of up to £25,000 per day in app
  • Manage Standing Orders and Direct Debits. Scan and deposit cheques securely (limits and charges apply)
  • Freeze and unfreeze your debit card instantly if you lose or misplace it
  • Apply for a Credit Card and Overdraft in-app (subject to eligibility requirements and application)
  • Save for tax bills or buy equipment for your business with our Savings Account, 0.01% AER/GrossDiscover more about your business
  • Get insights into how and where you are spending, to keep track of your expenses
  • See a monthly breakdown of your cash flow within your HSBC Kinetic Current Account
  • Access you HSBC Kinetic Current Account on desktop or mobile

  A little help to kick start your business
  • We’ve teamed up with some great partners that offer everything from inspirational office space, to key communication tools.

Ways to bank – Additional info

• Bank on the go with our app
• Run your business from the palm of your hand. Make payments, view balances and transactions, and manage Standing Orders and Direct Debits. Scan and instantly deposit cheques securely, and block or unblock your debit and credit cards to save you time. Device restrictions may apply.

Additional account features

• Easy accounting
• Seamless invoicing, tax and VAT
• Sync your online business bank account with Sage

Ways to bank – Additional info

Juni 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.

Additional account features

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.

Additional account features

Simple pricing and free electronic payments.

Mobile Business Banking app.

12 months’ free day-to-day business banking for new businesses*.

Dedicated support from our UK-based business management team.

Useful guides and practical business tools.

* Free day-to-day business banking includes electronic payments, cheques, cash, deposits and withdrawals. All we ask is that you operate your account in credit or within agreed limits. Free electronic payments include UK Sterling Direct Debits, Standing Orders, Debit Card Transactions, Bank of Scotland/Other Bank ATM Withdrawals, Internet/Phonebank Debits/Credits, Faster Payment Debits/Credits, Internet Bulk Payments and Automated Credits.

Ways to bank – Additional info

Inter-bank agency agreement
Inter-bank agency agreements are arrangements between banks, which provide a range of branch counter services to another bank’s customers by prior arrangement.
They provide a convenient service to business customers who find accessing their own bank’s branches difficult.

Overdrafts

Debit interest is charged and monthly usage or annual fees will apply depending on the amount you borrow. Unauthorised borrowing charges will apply.

All lending is subject to status. Security may be required. A Guarantee may be required for Limited Companies and Limited Liability Partnerships.
We adhere to The Standards of Lending Practise which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

Cardnet®
Accept card payments online, face-to-face and over the phone. Foreign currency conversion for overseas customers.
Easily track payments with sophisticated online reporting tools.

Cardless Immediate Deposit Machines (IDM)
We will encourage the use of our new Cardless Immediate Deposit Machines, which allow you to make deposits of up to 50 notes and 5 cheques without a physical card present.

Business Finance Assistant
Linked to your Business Current Account, our accountancy software gives you control of your finances. From cash flow forecasting to invoicing, bookkeeping, Digital VAT submission and more; it helps automate your business tasks.

Financial Services Compensation Scheme (FSCS)
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Cardnet® is a registered trademark of Lloyds Bank plc

Additional account features

Simple pricing and free electronic payments.

Mobile Business Banking app.

12 months free day to day business banking for switcher businesses*

Dedicated support from our UK-based business management team.

Useful guides and practical business tools.

* Free day-to-day business banking includes electronic payments, cheques, cash, deposits and withdrawals. All we ask is that you operate your account in credit or within agreed limits. Free electronic payments include UK Sterling Direct Debits, Standing Orders, Debit Card Transactions, Bank of Scotland/Other Bank ATM Withdrawals, Internet/Phonebank Debits/Credits, Faster Payment Debits/Credits, Internet Bulk Payments and Automated Credits.

Ways to bank – Additional info

Inter-bank agency agreement
Inter-bank agency agreements are arrangements between banks, which provide a range of branch counter services to another bank’s customers by prior arrangement.
They provide a convenient service to business customers who find accessing their own bank’s branches difficult.

Overdrafts

Debit interest is charged and monthly usage or annual fees will apply depending on the amount you borrow. Unauthorised borrowing charges will apply.

All lending is subject to status. Security may be required. A Guarantee may be required for Limited Companies and Limited Liability Partnerships.
We adhere to The Standards of Lending Practise which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

Cardnet®
Accept card payments online, face-to-face and over the phone. Foreign currency conversion for overseas customers.
Easily track payments with sophisticated online reporting tools.

Cardless Immediate Deposit Machines (IDM)
We will encourage the use of our new Cardless Immediate Deposit Machines, which allow you to make deposits of up to 50 notes and 5 cheques without a physical card present.

Business Finance Assistant
Linked to your Business Current Account, our accountancy software gives you control of your finances. From cash flow forecasting to invoicing, bookkeeping, Digital VAT submission and more; it helps automate your business tasks.

Financial Services Compensation Scheme (FSCS)
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Cardnet® is a registered trademark of Lloyds Bank plc

Additional account info

With 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.

Ways to bank – Additional info

Send 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.

Additional account features

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.

Ways to bank – Additional info

Send 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.

Additional account features

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.

Additional account features

· 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

Ways to bank – Additional info

Receipt 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