{"id":1332,"date":"2025-09-18T12:36:17","date_gmt":"2025-09-18T12:36:17","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/\/knowledge\/banking\/best-small-business-bank-account\/"},"modified":"2026-04-22T12:50:29","modified_gmt":"2026-04-22T12:50:29","slug":"best-small-business-bank-account","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/best-small-business-bank-account\/","title":{"rendered":"Best small business bank account in 2026 \u2013 ranked"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Taking care of your finances is an essential part of running a business, from understanding how business banking works to choosing the best account for your needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read on to find out more about opening a bank account for your business, from legal and tax considerations to key features from high street and challenger banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus compare 17 of the best business bank accounts on criteria such as overall service quality, online banking services, and account management.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-300-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-69910985 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--90)\">\n<p class=\"wp-block-paragraph\"><em>The rankings in this guide are based on independent third-party research and aren\u2019t associated with Simply Business.<\/em><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Your guide to business bank accounts<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#ranked\">Ranked: the best business bank accounts<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#benefits-of-opening\">Benefits of opening a business bank account<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#biz-vs-personal\">Business account vs personal account<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#can-i-use-a-personal-account-for-business\">Can I use a personal account for business?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#do-i-need-a-business-account-as-a-sole-trader\">Do sole traders need a business account?<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#limited-company-bank-accounts\">Limited company business bank accounts<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#do-i-need-a-business-bank-account-if-self-employed\">Do the self-employed need a business bank account?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#challenger-banks\">Challenger and sustainable banks<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#faqs-opening-a-business-bank-account\">FAQs \u2013 opening a business bank account<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ranked\"><strong>Which is the best business bank account?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re thinking of opening a business bank account, you\u2019ll want to research which bank offers the best account for the needs of your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consumer insight consultancy BVA BDRC&nbsp;(now part of Ipsos) conducts a <a href=\"https:\/\/www.bva-bdrc.com\/products\/business-banking-service-quality-great-britain\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">regular independent survey<\/a> for the Competition and Markets Authority (CMA). In this survey, people with a business bank account are asked how likely they are to recommend their provider.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The survey of 20,450 small business banking customers ranks 17 banks, and was carried out between January and December 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve used the latest data to list the best business banks, allowing you to compare the business accounts offered by the top providers.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-300-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-69910985 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--90)\">\n<h2 class=\"wp-block-heading\" id=\"h-business-banks-compared-and-ranked\">Business banks \u2013 compared and ranked<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Small businesses voted across five categories in the survey:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#overall-service-quality\">Overall service quality<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#online-and-mobile-banking-services\">Online and mobile banking services<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#overdraft-and-loan-services\">Small business overdraft and loan services<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#relationship-and-account-management\">Relationship and account management<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#service-in-branches-and-business-centres\">Service in branches and business centres<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"overall-service-quality\">Overall service quality \u2013 top 10<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best business banks based on overall service quality are:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--100);padding-bottom:var(--wp--preset--spacing--100)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Business bank<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Overall service quality ranking<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-size:15px\"><strong>% recommend<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x.png\" alt=\"\" class=\"wp-image-49754\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b4fda10afb98c0606ab52586633e7c58 wp-block-paragraph\"><strong>1<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-3abda25e8fb61cc16c8a45783d19e97b wp-block-paragraph\"><strong>85%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"656\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c1b740-scaled.png\" alt=\"\" class=\"wp-image-49791\" style=\"aspect-ratio:2.286735149620366;object-fit:cover;width:130px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c1b740-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c1b740-scaled.png?resize=800,350 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c1b740-scaled.png?resize=768,336 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c1b740-scaled.png?resize=1024,448 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c1b740-scaled.png?resize=150,66 150w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-3f848ea52034a93ce0a4bbb83819f760 wp-block-paragraph\"><strong>2<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-8092783d44caa29483c4083012ebf69b wp-block-paragraph\"><strong>83%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_395cab.png\" alt=\"\" class=\"wp-image-49824\" style=\"aspect-ratio:4.1245972073039745;object-fit:cover;width:150px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_395cab.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_395cab.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-750591edf5007a5ff445029d74e1941d wp-block-paragraph\"><strong><strong><strong><strong>3<\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-7faa7c295b6a12b470001353de7eafa7 wp-block-paragraph\"><strong><strong><strong><strong>81%<\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"155\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken_logo.svg-scaled.png\" alt=\"\" class=\"wp-image-49757\" style=\"aspect-ratio:9.686486486486487;object-fit:cover;width:170px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken_logo.svg-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken_logo.svg-scaled.png?resize=800,83 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken_logo.svg-scaled.png?resize=768,79 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken_logo.svg-scaled.png?resize=1024,106 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken_logo.svg-scaled.png?resize=150,16 150w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-fa0f4164d5847a5f33144bcda30988de wp-block-paragraph\"><strong>4<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-964f9daacfe509f376aee0b01a820bdb wp-block-paragraph\"><strong>75%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Tide200px@2x_ebf773.png\" alt=\"\" class=\"wp-image-49821\" style=\"aspect-ratio:4.1245972073039745;object-fit:cover;width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Tide200px@2x_ebf773.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Tide200px@2x_ebf773.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-9eb0299f43c979acea9119b193420d34 wp-block-paragraph\"><strong><strong>5<\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-7761443bca37fb3d48d20e5235da5e8c wp-block-paragraph\"><strong><strong>70%<\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Zempler200px@2x.png\" alt=\"\" class=\"wp-image-49759\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Zempler200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Zempler200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-a56e8d965519d6118f4c165da847c8e3 is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>6<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-0b69937f9946f1910973d41845b6f419 wp-block-paragraph\"><strong>67%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_794700.png\" alt=\"\" class=\"wp-image-49822\" style=\"aspect-ratio:4.1245972073039745;object-fit:cover;width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_794700.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_794700.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-e37d46d2f07c5ffc545af5ed5b3f595a wp-block-paragraph\"><strong><strong><strong>7<\/strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-652867edd0df43521e2f05863889faf4 wp-block-paragraph\"><strong><strong><strong>62%<\/strong><\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_33b4b1.png\" alt=\"\" class=\"wp-image-49823\" style=\"aspect-ratio:4.1245972073039745;object-fit:cover;width:140px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_33b4b1.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_33b4b1.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b60585edbebceab1b312f6ce2f0be253 wp-block-paragraph\"><strong><strong><strong><strong>8<\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-047daee3686e7cc5f08f3a23ce314489 wp-block-paragraph\"><strong><strong><strong><strong>62%<\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/VirginMoney200px@2x.png\" alt=\"\" class=\"wp-image-49762\" style=\"aspect-ratio:4.124043495771245;object-fit:cover;width:130px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/VirginMoney200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/VirginMoney200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-6b21943cdccf6b949531649f2121504c is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>9<\/strong>=<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-7133e010149f15994d42a2b1cf960d45 wp-block-paragraph\"><strong>59%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_1314fd.png\" alt=\"\" class=\"wp-image-49825\" style=\"aspect-ratio:4.1245972073039745;object-fit:cover;width:170px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_1314fd.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_1314fd.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-cdb5e9fca62eeaba28d1e79958333e3c wp-block-paragraph\"><strong><strong><strong><strong>9<\/strong>=<\/strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-c455f3a62cb219af194cf2ae73ddb410 wp-block-paragraph\"><strong><strong><strong><strong>59%<\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"online-and-mobile-banking-services\">Online and mobile banking services \u2013 top 5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best business banks based on online and mobile banking services:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--100);padding-bottom:var(--wp--preset--spacing--100)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Business bank<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Ranking<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>% recommend<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x.png\" alt=\"\" class=\"wp-image-49754\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b4fda10afb98c0606ab52586633e7c58 wp-block-paragraph\"><strong>1<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-d127ee556768b352a5217cd5d65ecfb2 wp-block-paragraph\"><strong>90%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_23f21e.png\" alt=\"\" class=\"wp-image-49788\" style=\"width:150px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_23f21e.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_23f21e.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-3f848ea52034a93ce0a4bbb83819f760 wp-block-paragraph\"><strong>2<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-bc2e9682beedf70301333fb43d4297e1 wp-block-paragraph\"><strong>86%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"656\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour-scaled.png\" alt=\"\" class=\"wp-image-49789\" style=\"aspect-ratio:2.286735149620366;object-fit:cover;width:130px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour-scaled.png?resize=800,350 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour-scaled.png?resize=768,336 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour-scaled.png?resize=1024,448 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour-scaled.png?resize=150,66 150w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-2db8d0993513c6cdd86c9d4ca0f247b0 wp-block-paragraph\"><strong>3<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-be9dd242979b4a09849db63d326063a4 wp-block-paragraph\"><strong>84%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Tide200px@2x_4c6ea3.png\" alt=\"\" class=\"wp-image-49792\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Tide200px@2x_4c6ea3.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Tide200px@2x_4c6ea3.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-77c42a65d597beba6a47e15933d9879a wp-block-paragraph\"><strong>4<\/strong>=<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-ce52f77c2bf310c7c50dbb9e5d9e3e5b wp-block-paragraph\"><strong>74%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_43a534.png\" alt=\"\" class=\"wp-image-49793\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_43a534.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_43a534.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-77c42a65d597beba6a47e15933d9879a wp-block-paragraph\"><strong>4<\/strong>=<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-ce52f77c2bf310c7c50dbb9e5d9e3e5b wp-block-paragraph\"><strong>74%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"overdraft-and-loan-services\">Overdraft and loan services \u2013 top 5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best business banks based on overdraft and loan services:\n<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--100);padding-bottom:var(--wp--preset--spacing--100)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Business bank<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Ranking<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>% recommend<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_d57383.png\" alt=\"\" class=\"wp-image-49794\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_d57383.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_d57383.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b4fda10afb98c0606ab52586633e7c58 wp-block-paragraph\"><strong>1<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-c48a9d7d165c2785370038bcf4e9593e wp-block-paragraph\"><strong>68%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_cae367.png\" alt=\"\" class=\"wp-image-49795\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_cae367.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_cae367.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-3f848ea52034a93ce0a4bbb83819f760 wp-block-paragraph\"><strong>2<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-5848c424cc64c5250a4317a9ad8d6381 wp-block-paragraph\"><strong>65%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_299c01.png\" alt=\"\" class=\"wp-image-49828\" style=\"width:170px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_299c01.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_299c01.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-2db8d0993513c6cdd86c9d4ca0f247b0 wp-block-paragraph\"><strong>3<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-5a1f15f7947cef3a99daa622c5aac80f wp-block-paragraph\"><strong>57%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/RBoS200px@2x.png\" alt=\"\" class=\"wp-image-49801\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/RBoS200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/RBoS200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-fa0f4164d5847a5f33144bcda30988de wp-block-paragraph\"><strong>4<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-d4c0bf3e2df46801375ab9eaf88d291e wp-block-paragraph\"><strong>56%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_525a1f.png\" alt=\"\" class=\"wp-image-49800\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_525a1f.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_525a1f.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-91109759aad3379acf778dac76bfe2df wp-block-paragraph\"><strong>5=<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b36763cb3da8e052c63080df98e80290 wp-block-paragraph\"><strong>55%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/BOS200px@2x_35d1b3.png\" alt=\"\" class=\"wp-image-49820\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/BOS200px@2x_35d1b3.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/BOS200px@2x_35d1b3.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-1a9c54dc7df20c336a93c42f95697ad9 wp-block-paragraph\"><strong><strong>5=<\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-71551e7778727ab6441afa963dc00416 wp-block-paragraph\"><strong><strong>55%<\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/HSBC200px@2x.png\" alt=\"\" class=\"wp-image-49802\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/HSBC200px@2x.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/HSBC200px@2x.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-91109759aad3379acf778dac76bfe2df wp-block-paragraph\"><strong>5=<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b36763cb3da8e052c63080df98e80290 wp-block-paragraph\"><strong>55%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"relationship-and-account-management\">Relationship and account management<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best business banks based on relationship and account management:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--100);padding-bottom:var(--wp--preset--spacing--100)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left has-small-font-size wp-block-paragraph\"><strong>Business bank<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Ranking<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-small-font-size wp-block-paragraph\"><strong>% recommend<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_f0a1f2.png\" alt=\"\" class=\"wp-image-49803\" style=\"width:170px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_f0a1f2.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_f0a1f2.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b4fda10afb98c0606ab52586633e7c58 wp-block-paragraph\"><strong>1<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-3abda25e8fb61cc16c8a45783d19e97b wp-block-paragraph\"><strong>85%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"656\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c06a2a-scaled.png\" alt=\"\" class=\"wp-image-49790\" style=\"width:130px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c06a2a-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c06a2a-scaled.png?resize=800,350 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c06a2a-scaled.png?resize=768,336 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c06a2a-scaled.png?resize=1024,448 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Logo-Natwest-Colour_c06a2a-scaled.png?resize=150,66 150w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-3f848ea52034a93ce0a4bbb83819f760 wp-block-paragraph\"><strong>2<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-964f9daacfe509f376aee0b01a820bdb wp-block-paragraph\"><strong>75%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x-1.png\" alt=\"\" class=\"wp-image-49804\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x-1.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Mettle200px-copy@2x-1.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-2db8d0993513c6cdd86c9d4ca0f247b0 wp-block-paragraph\"><strong>3<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-ce52f77c2bf310c7c50dbb9e5d9e3e5b wp-block-paragraph\"><strong>74%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_c61708.png\" alt=\"\" class=\"wp-image-49805\" style=\"width:150px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_c61708.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Starling200px@2x_c61708.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-fa0f4164d5847a5f33144bcda30988de wp-block-paragraph\"><strong>4<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-5e12f7207626d3a9f27ab61f1e68eb01 wp-block-paragraph\"><strong>73%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Zempler200px@2x_d22432.png\" alt=\"\" class=\"wp-image-49806\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Zempler200px@2x_d22432.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Zempler200px@2x_d22432.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-d857f3e4592f762724012c275df97aad wp-block-paragraph\"><strong>5<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-8453a7aa3ca3ff91a67783463ac08766 wp-block-paragraph\"><strong>69%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"nba-body-001\">\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"service-in-branches-and-business-centres\">Service in branches and business centres<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best business banks based on service in branches and business centres:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--100);padding-bottom:var(--wp--preset--spacing--100)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Business bank<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Ranking<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>% recommend<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_d57383.png\" alt=\"\" class=\"wp-image-49794\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_d57383.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Handelsbanken200px@2x_d57383.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b4fda10afb98c0606ab52586633e7c58 wp-block-paragraph\"><strong>1<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-da1d374c82c9d280a67b94ae4d61b994 wp-block-paragraph\"><strong>72%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_b535fd.png\" alt=\"\" class=\"wp-image-49807\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_b535fd.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/Metro200px@2x_b535fd.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-3f848ea52034a93ce0a4bbb83819f760 wp-block-paragraph\"><strong>2<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-5848c424cc64c5250a4317a9ad8d6381 wp-block-paragraph\"><strong>65%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/VirginMoney200px@2x_f69ed0.png\" alt=\"\" class=\"wp-image-49808\" style=\"width:130px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/VirginMoney200px@2x_f69ed0.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/VirginMoney200px@2x_f69ed0.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-2db8d0993513c6cdd86c9d4ca0f247b0 wp-block-paragraph\"><strong>3<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-d4c0bf3e2df46801375ab9eaf88d291e wp-block-paragraph\"><strong>56%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/CoopBank200px@2x_b0346f.png\" alt=\"\" class=\"wp-image-50424\" style=\"width:130px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/CoopBank200px@2x_b0346f.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/CoopBank200px@2x_b0346f.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-fa0f4164d5847a5f33144bcda30988de wp-block-paragraph\"><strong>4<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b36763cb3da8e052c63080df98e80290 wp-block-paragraph\"><strong>55%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_299c01.png\" alt=\"\" class=\"wp-image-49828\" style=\"width:170px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_299c01.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/LloydsBank200px@2x_299c01.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-066b7c6d7fc57ec973dd6db8d1778b43 wp-block-paragraph\"><strong><strong>5<\/strong>=<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-9a8b4d91140376cb050cf5d22943e641 wp-block-paragraph\"><strong><strong>51%<\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--azure-300);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"97\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_14f699.png\" alt=\"\" class=\"wp-image-49811\" style=\"width:160px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_14f699.png 400w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/04\/NatWest200px@2x_14f699.png?resize=150,36 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-f6ff436aff7e3b413a3f2655e1cf7cec wp-block-paragraph\"><strong>5<\/strong>=<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-b5e88cdf1a566ed1b7378110429ffcc9 wp-block-paragraph\"><strong>51%<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Compare business bank accounts from the top providers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are more details on the products themselves, letting you compare business bank accounts from the top providers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Monzo: best business account for online and overall service<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Challenger bank Monzo topped the rankings for overall service quality and online banking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/monzo.com\/i\/business\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Monzo business banking<\/a> starts with no monthly fees or UK transfer charges and account holders get access to free 24\/7 UK support. A paid-for account is \u00a39 a month (first month is free), and includes extra benefits, including invoicing, tax pots, and integrated accounting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are three business account options to choose from: &#8220;Pro&#8221;, &#8220;Lite&#8221;, and &#8220;Team&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Accounts are available to sole traders or directors of a registered limited company by shares based in the UK. Certain business types aren\u2019t supported at the moment, including partnerships, charities, and community interest companies. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other features include FSCS protection, instant notifications when you pay or get paid, and savings pots that earn you interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Handelsbanken: best business account for relationship management and overdraft services<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.handelsbanken.co.uk\/en\/corporate\/business-account\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Handelsbanken<\/a> came top in the survey for relationship management, overdraft and loan services, and in-branch services. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It calls itself a relationship bank, where each branch works as a local business. Handelsbanken say this helps them better understand their customers and the community.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank offers a direct line to an account manager and team at your local branch, as well as current accounts in a range of currencies, and overdrafts (subject to status).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Handelsbanken charges a \u00a325 monthly fee for banking customers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-starling-a-popular-bank-for-online-banking-and-overall-service\">Starling: a popular bank for online banking, and overall service<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Challenger bank Starling came third in the rankings for overall service quality and second for online banking, as well as fourth for relationship management.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.starlingbank.com\/business-account\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Starling<\/a> business account holders pay no monthly fees or UK payment charges and get access to free 24\/7 UK support.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The account is available to all business types and sizes, offering benefits including integration with a range of software solutions, FSCS protection, and free withdrawals in the UK and abroad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Starling\u2019s business customers can also pay for extra services, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">Euro business account \u2013 allowing you to exchange and hold euros (\u00a32 a month)<\/li>\n\n\n\n<li class=\"wp-block-list-item\">US dollar business account \u2013 allowing you to use dollars without needing an extra card (\u00a35 a month)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-metro-bank-a-popular-choice-for-branches-and-business-centre-services\">Metro Bank: <strong>a popular choice for branches and business centre services<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.metrobankonline.co.uk\/business\/current-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Metro Bank<\/a> came second for service in branches and business centres. It also came second for overdraft and loan services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Its USP is that its branches are open outside of usual working hours, seven days a week.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To open a business bank account with Metro Bank, you need to have an annual turnover of less than \u00a32 million.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to fees, there\u2019s no monthly charge if your daily balance stays above \u00a36,000. If your daily balance ends at below \u00a36,000 in the month, you\u2019ll pay the monthly fee of \u00a38.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ll also get 30 free UK transactions each month, but if you exceed this limit, a fee kicks in at 30p for each transaction (balances below \u00a36,000 don\u2019t get the free transactions).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Barclays: accounts for different-sized businesses<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.barclays.co.uk\/business-banking\/accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Barclays<\/a> came 16th in the overall rankings and ninth for mobile banking services and overdraft and loan services. It has specialised products for businesses of different sizes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">the start-up business account is free for the first 12 months and you get access to free invoicing and account software from FreshBooks<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the business account is for established businesses with turnover up to \u00a3400,000 \u2013 account holders pay no fees for the first 12 months, then \u00a38.50 a month after that<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the business account for \u00a3400,000-\u00a36.5 million turnover is for larger businesses, with access to a team of local relationship managers<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-30c80bf8 wp-block-group-is-layout-constrained\" style=\"border-radius:35px;margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h2 class=\"wp-block-heading\" id=\"benefits-of-opening\">5 benefits of opening a business bank account<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are five reasons why you might consider opening one as a sole trader.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-your-personal-bank-s-terms-and-conditions\">1. Your personal bank\u2019s terms and conditions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s likely that somewhere in the small print of your personal bank account documents it says that your account should be for personal use only.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your bank realises that you\u2019re using the account for your business (particularly if there\u2019s a lot of money passing through), they may force you to close your account and open a business account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. To keep things clear for HMRC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When you <a data-type=\"knowledge\" data-id=\"1514\" href=\"\/knowledge\/business-tax\/self-employed-tax-changes\/\">complete your tax return<\/a>, you need to tell HMRC how much money your business has made. You can subtract certain <a data-type=\"knowledge\" data-id=\"1511\" href=\"\/knowledge\/self-assessment\/self-employed-expenses\/\">allowable expenses<\/a> (travel costs and business insurance, for example) to calculate your taxable profit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your personal costs are mixed up with your business costs, it can be difficult to make these calculations accurately.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Simplify your admin<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not only does having a business bank account help with reporting to HMRC, it also makes it much simpler for you to manage your <a href=\"\/knowledge\/income\/how-to-budget-calculator-and-guide-for-the-self-employed\/\" data-type=\"knowledge\" data-id=\"956\">business budget<\/a> and <a href=\"\/knowledge\/cash-flow\/what-is-a-cash-flow-forecast\/\" data-type=\"knowledge\" data-id=\"972\">forecasts<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sorting out which expenses are personal and which are for your business takes time, so having separate bank accounts helps you manage your finances more efficiently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It also makes keeping <a data-type=\"knowledge\" data-id=\"1407\" href=\"\/knowledge\/business-tax\/how-long-to-keep-tax-records\/\">accurate business records<\/a> easier in general and will save you time when <a data-type=\"knowledge\" data-id=\"1259\" href=\"\/knowledge\/business-tax\/what-is-bookkeeping\/\">bookkeeping<\/a>. This is even more important with the roll out of the government\u2019s <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-tax\/making-tax-digital-for-income-tax\/\" type=\"knowledge\" id=\"38240\">Making Tax Digital<\/a> (MTD) for Income Tax initiative. MTD applies to sole traders and landlords with a qualifying income over \u00a350,000 from April 2026, and those with an income over \u00a330,000 from April 2027.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Build your credit rating<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having an account in your business name can help you if you need to <a href=\"\/knowledge\/funding\/how-to-apply-for-a-small-business-loan\/\" data-type=\"knowledge\" data-id=\"918\">apply for a business loan<\/a> in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It helps to build up a <a href=\"\/knowledge\/business-tax\/what-is-business-credit-score-and-how-can-you-improve-it\/\" data-type=\"knowledge\" data-id=\"1060\">credit history<\/a> for your business, which many banks will look for when considering if you\u2019re eligible for business finance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-look-professional\">5. Look professional<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having a dedicated bank account can make your business appear more professional, as clients can make payments to an account held in your business name rather than your own name.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s important to bear in mind that some clients don\u2019t like making payments into personal accounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read more:<\/strong> <a data-type=\"knowledge\" data-id=\"23909\" href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/how-to-open-a-business-bank-account\/\">How to open a business bank account<\/a><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"biz-vs-personal\"><strong>Business account vs personal account<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re legally obliged to have a business bank account depends on your business structure. Having a business bank account can be a good idea for most businesses \u2013 even freelancers and sole traders.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The main difference between personal and business bank accounts is that business accounts usually charge monthly fees, plus a range of fees for certain transactions. Lots of banks usually offer an initial fee-free period before charging, so be sure to shop around before choosing one.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ultimately, a business account will usually be the best option for your business as it lets you keep your finances separate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many banks offer features that personal accounts don\u2019t have access to, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">business finance<\/li>\n\n\n\n<li class=\"wp-block-list-item\">specialist business banking managers<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the ability to take payments from customers<\/li>\n\n\n\n<li class=\"wp-block-list-item\">online tools and software to help you run your business<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read more:<\/strong> <a data-type=\"knowledge\" data-id=\"1273\" href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/best-business-savings-accounts\/\">The best business savings accounts revealed<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"can-i-use-a-personal-account-for-business\">Can I use a personal account for business?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on whether you\u2019re operating as a sole trader or <a href=\"\/knowledge\/business-structure\/setting-up-a-limited-company\/\" data-type=\"knowledge\" data-id=\"1270\">setting up a limited company<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a sole trader, you\u2019re not required by law to have a business bank account. Legally, you can use your personal bank account for both business and non-business transactions, or you can set up a second personal bank account to use for your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a limited company is a separate legal entity, it needs to have its own business bank account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re not sure which business structure to pick, check out the <a href=\"\/knowledge\/starting-out\/sole-trader-vs-limited-company\/\" data-type=\"knowledge\" data-id=\"1532\">difference between a sole trader and a limited company<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"do-i-need-a-business-account-as-a-sole-trader\">Do I need a business bank account as a sole trader?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even if you\u2019re not legally required to have a business bank account, there are a number of reasons why setting one up is a good idea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some banks offer a specific business sole trader account. This gives you the benefit of separating your finances, but often with a lower monthly fee that\u2019s tailored to the services you need.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"limited-company-bank-accounts\">Do I need a business bank account for a limited company?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019ve <a href=\"\/knowledge\/business-structure\/setting-up-a-limited-company\/\" data-type=\"knowledge\" data-id=\"1270\">set up a limited company<\/a> you\u2019re required by law to have a business bank account, as your business is legally a separate entity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You shouldn\u2019t be using a personal account for business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"do-i-need-a-business-bank-account-if-self-employed\">Do I need a business bank account if I&#8217;m self-employed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond the legalities and your bank\u2019s terms and conditions, think about these questions:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Are you looking to integrate your bank account with accounting software? <\/strong>Many providers can link with your accounting software, helping you manage cash flow and file your taxes (which will be particularly helpful with Making Tax Digital from April 2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Do you have employees, or plan to in the near future?<\/strong> If you\u2019re a sole trader managing your own payroll accounting, this can become very complicated without a separate account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Do you need to apply for a loan?<\/strong> While not essential, having a business account might help if you want to <a href=\"\/knowledge\/funding\/best-small-business-loans\/\" data-type=\"knowledge\" data-id=\"22720\">apply for business loans<\/a> and other forms of finance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Do you want expert business support?<\/strong> Many banks have separate departments that manage services for businesses. By using a personal account, you\u2019ll be missing out.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might need a business account that accommodates your growth plans. For example if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">you\u2019re planning to incorporate your business as a limited company<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your business is processing a lot of transactions<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your business income and expenses are getting complicated<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you want to take <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/technology-for-small-businesses\/best-card-readers-for-small-business\/\" data-type=\"knowledge\" data-id=\"1179\">card payments<\/a> from your customers<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-30c80bf8 wp-block-group-is-layout-constrained\" style=\"border-radius:35px;margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h2 class=\"wp-block-heading\" id=\"challenger-banks\">Challenger and sustainable banks<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"\/knowledge\/banking\/best-challenger-bank-for-business\/\" data-type=\"knowledge\" data-id=\"923\">challenger bank<\/a> is usually a smaller retail bank, set up with the aim of competing with large, long-established national banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s clear from the CMA data that challenger, <a href=\"\/knowledge\/banking\/what-is-digital-banking\/\" data-type=\"knowledge\" data-id=\"1083\">digital banks<\/a>, and multi-currency accounts are becoming increasingly popular with businesses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monzo topped the overall rankings, while Starling Bank, Tide, and Zempler Bank also ranked highly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s also been a rise in the number of sustainable banks, such as <a href=\"https:\/\/www.triodos.co.uk\/business\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Triodos<\/a>, which only finances projects and organisations that have a positive impact on society, culture, and the environment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whichever bank you choose, it\u2019s important to research all of your options carefully and decide what\u2019s best for you. <strong>Please only use this article as a guide, as part of your research.<\/strong><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs-opening-a-business-bank-account\">FAQs \u2013 opening a business bank account<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">How much does a business bank account cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some business bank accounts are free while others can include a monthly fee, with fees starting at \u00a38 a month depending on the provider.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are business bank accounts FSCS protected?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Financial Services Compensation Scheme (FSCS) is designed to protect you if your UK bank or building society goes bust \u2013 as long as it\u2019s listed on the <a href=\"https:\/\/www.fscs.org.uk\/check\/check-your-money-is-protected\/cant-find\/\" rel=\"noopener noreferrer\" target=\"_blank\">Financial Services Register<\/a>. &nbsp;If this happens, you can get compensation up to the value of \u00a3120,000 (previously \u00a385,000).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Business bank account deposits are protected by the FSCS too, and most businesses will be eligible for up to \u00a3120,000 compensation if their bank or building society fails.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re a limited company then it\u2019s treated as a separate entity, so you can get up to \u00a3120,000 FSCS on your personal account and a separate \u00a3120,000 on your business bank account with the same financial institution. For example Halifax, Bank of Scotland, and Lloyds Bank are all counted as one institution under their banking licence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, sole traders would have that compensation split across personal business accounts if you banked with the same institution and it failed. With that in mind, sole traders might consider using a different bank for their personal account and another for their business account.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read more on the <a href=\"https:\/\/www.fscs.org.uk\/making-a-claim\/claims-process\/small-business\/\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">FSCS website<\/a> to understand the complexities of what\u2019s protected for business banking customers.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What documents do I need to open a business bank account?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The documents you need to open a business bank account depend on the individual bank or building society you\u2019re looking to open an account with.&nbsp;As a general rule, you\u2019ll need proof of identity, proof of business address, details of director and business partners, and business documentation such as <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-structure\/memorandum-of-association-template-free-download\/\" data-type=\"knowledge\" data-id=\"1483\">articles of association<\/a> or registration documents (if relevant).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tax-and-finance-guides-for-small-businesses\">Tax and finance guides for small businesses<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/self-assessment\/self-employed-expenses\/\" data-type=\"knowledge\" data-id=\"1511\">What can I claim on tax? A guide to self-employed expenses<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/income\/balance-sheet-template\/\" data-type=\"knowledge\" data-id=\"1105\">What is a balance sheet?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/income\/what-is-zero-based-budgeting\/\" data-type=\"knowledge\" data-id=\"1589\">What is zero-based budgeting?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/faq\/do-i-need-public-liability-insurance\/\" data-type=\"page\" data-id=\"577\">Do I need public liability insurance?<\/a><\/li>\n<\/ul>\n\n\n\n<div id=\"nba-upsell-001\" class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading has-text-align-center\">Ready to set up your cover?<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">As one of the UK&#8217;s biggest <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> providers, we specialise in <a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\">public liability insurance<\/a> and protect more trades than anybody else. Why not take a look now and build a quick, tailored quote?<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Independent data reveals the best bank account for small businesses.<\/p>\n","protected":false},"author":3,"featured_media":3392,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"catriona-smith","sb_review_date":"2026-03-11T08:58:19","sb_enable_content_gating":false,"footnotes":""},"categories":[356],"hidden-category":[],"coauthors":[20],"class_list":["post-1332","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-banking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best small business bank account in 2026 \u2013 ranked<\/title>\n<meta name=\"description\" content=\"What is the best small business bank account? We look at the latest data and explain the best options for your small business. Keep reading.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/best-small-business-bank-account\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare the best business bank accounts in 2026\" \/>\n<meta property=\"og:description\" content=\"We look at the latest data and identify the best bank account for your small business.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/best-small-business-bank-account\/\" \/>\n<meta property=\"og:site_name\" content=\"Simply Business UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/simplybusiness\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-22T12:50:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/best-business-bank-account-and-business-bank.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Best small business bank account in 2026 \u2013 ranked\" \/>\n<meta name=\"twitter:site\" content=\"@simplybusiness\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Conor Shilling\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/best-small-business-bank-account\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/knowledge\/banking\/best-small-business-bank-account\/\"},\"author\":{\"@type\":\"Person\",\"name\":\"Conor Shilling\",\"description\":\"Conor Shilling is a professional writer with over 10 years\u2019 experience across the property, small business, and insurance sectors. A trained journalist, Conor\u2019s previous experience includes writing for several leading online property trade publications. 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