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Start-up business bank account

What's your new business waiting for?

You get more with our Start-up account

Quick online application process.

Free banking on everyday transaction for the first 2 years.

Free accounting software from FreeAgent. Optional add-ons may be chargeable.

Free support to help you grow.

What you pay for - and what you don't

Apply now

Thanks for choosing our Start up bank account. Let's get started...

Before you continue...

During your application you will need to make a choice on the type of account you want to apply for:

  • a Business Current Account - used for the day to day running of your business, OR
  • a Loan Servicing Account - used ONLY for loan repayment purposes. You'll need this if you have a loan with us, but not your current account(s).

Should you select the incorrect account, you will need to reapply choosing the correct option.

Are you...
OK, so you're an existing customer. Is the bank account for...

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you do not currently hold an existing Royal Bank business or personal account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service: 18001 0345 711 4477

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use Mitek, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.
Do you have a relationship manager?

Call your Relationship Manager

You should have a direct number for them. You can discuss applying for an additional Startup business account with them. They can start the application for you and arrange to get the appropriate signatures.


When can I call?

Business and Relationship Managers are available 9am-5pm Monday to Friday.

No problem. We can still help

For businesses in Scotland, please call us on 0345 600 2230.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you currently hold an existing Royal Bank business or personal account, please download an additional account form or give us a call on 0345 600 2230.


Relay UK Service:

18001 0345 600 2230 (Scotland)

18001 0345 600 2230 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)

For more information on accessibility, visit the accessibility page.

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you do not currently hold an existing Royal Bank business or personal account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service: 18001 0345 711 4477

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use Mitek, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you do not currently hold an existing Royal Bank business or personal account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service: 18001 0345 711 4477

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use Mitek, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

The features you'd expect, and then some

  • Bank anywhere with Digital Banking, our mobile app, or at our network of branches or local Post Office
  • 24/7 messaging support, plus the option to give us a call or stop by your local branch
  • Instant payment notifications, in-app cheque deposit (limits and fees may apply), and business spending categories to help manage your money
  • Multi-director access so eligible directors can have full visibility of accounts and spending

Cash flow support

Loans and finance options

Explore options based on your size, your needs, and your goals.

Security may be required. Product fees may apply. Subject to Status.
 

See your options

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Business credit card

No annual fee for the first year (normally £30). Plus, you can manage your account with the ClearSpend app.*
 

Our credit card features

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The flexibility of an overdraft

Our business overdraft helps you prepare for the unexpected. You’ll only pay interest on what you borrow.

Security may be required. Product fees may apply. Subject to Status.
 

Find out about overdrafts

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Business savings accounts

We’ve raised our rates across our savings account range. As an example, our Liquidity Manager 95-day Notice Account now has an interest rate of 4.25% AER, 4.17% Gross p.a. (variable).

Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals are not permitted.

View all business savings accounts

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Questions about our Start-up account?

Help to run your business as costs rise

We’re here to support you with real, practical help. Even if you’re just starting out, or you haven’t started your business yet, our hub could help. Discover our tools, resources and articles that’ll support you to prepare for any price rises. Use them to work out how you might be affected, what the future might cost and what actions you can take. 

Sustainable ambitions?

We’re here to help with your climate goals. We could provide support in the form of lending, advice and useful services and resources. Find out more about how we could help you develop a climate plan that works for your business and put it into action.

Need more information before you apply?

Switch to Royal Bank

The Current Account Switch Service will do all the work, moving everything across from your old business account to your new one, all within 7 business days.
 

Current Account Switch Guarantee (PDF, 60KB)
 

Your Guide to switching your account to us (PDF, 532KB)

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Info about charges

At the end of your 2-year free banking period, you’ll move on to our Standard Tariff, with no minimum monthly charge.

 

Business Account Charges Booklet (PDF, 81KB)

 

Summarised Business Account Charges Booklet (PDF, 69KB)

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Your money is protected

Your eligible deposits held by a UK establishment of Royal Bank of Scotland are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Financial Services Compensation Scheme Guide (PDF, 45KB)

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Something else we can help you with?