Business accounts for startups

Streamlined everyday banking

Focus more on what matters most. Enjoy simple, straightforward and secure business banking, online and in our award-winning app. T&Cs apply, 18+

Barista pouring coffee

More than just a business bank account

From insights and tailored specialist advice to borrowing and payment solutions, we’ve got the tools to help you succeed. When you’re just starting out, we’ll support your business as it grows.

Have you been trading for more than 12 months?

Discover the support we offer to more established businesses and apply for a business bank account.

Supporting your business, every step of the way

24/7 business support 

Send us a message from the ‘Help’ section of our app(1) at any time.

It’s secure and easy to use. Just make sure your notifications are switched on so you know when we’ve replied.

Over 900,000 businesses bank with us

Join a community of businesses benefitting from expert support, partnerships and finance services.

Free invoicing and accounting software

Get free invoicing and accounting software from FreshBooks (2), worth more than £260 per year. 

Eagle labs

Barclays Eagle Labs

Access a network of more than 325 years of business expertise through Eagle Labs, our community hub for everyone. With educational resources, events and key business connections across the board, our spaces are here to nurture and grow your idea – whether you’re an inventor, an innovator or a mentor.

Discover Eagle Labs

Apply for a business account in our app

Both new and existing customers can apply for a business bank account in our app.

If you don’t already have the app, you’ll need to register for the app first – you must be 18 or over and a UK resident. 

Apply for a business account online

Whether you’re a new customer or already bank with us, we’ll need some basic information from you when you apply.

Find out what you’ll need to give us using this business banking checklist from UK Finance, the UK’s leading trade association for financial services. 

Have you been asked to use Barclays Verify?

Find out how to verify your identity in our app.

Price plans

Free digital banking for 12 months

Enjoy no monthly account fees for the first 12 months(3), then pay £8.50 each month after that with one simple tariff. Businesses with existing Barclays business current accounts aren't eligible for this offer.

Free digital banking for



Per month (first 12 months)

Businesses with existing Barclays business current accounts aren't eligible for this offer.


Per month (after 12 months)


Standard transactions

Standard transactions



Simple electronic payments including Faster Payments, Direct Debits and standing orders


Debit card payments


Cash out – ATM/Post Office/self-service device


Cash in – Post Office/Barclays Collect/self-service device

Additional Barclays Collect charges may apply.

60p per £100

Cheques in – Barclays app/self-service device

60p each

Cheques out

60p each

For more details on transaction fees and tariffs, including transactions made at the branch counter, visit our rates and charges page


Social business mentoring

Want to grow your positive impact? Social businesses work on the key challenges of the world today, whether that’s environmental or societal.

If that describes your business, we’ll match you with dedicated mentors to share their expertise in finance, marketing, planning and strategy. We also offer specialist support with franchising, international trade and digital engagement strategies.

Discover social mentoring

Frequently asked questions

Here’s what we need from you:

  • Your residential addresses for the past three years
  • Details of your other financial arrangements, like mortgages, credit cards and store cards
  • The trading address of your business
  • Your Companies House registration number, if you have one
  • Details about your business, including tax information and turnover
  • Details for your directors or partners, including their names, dates of birth, addresses and National Insurance numbers
  • Your business registration details, including your date of incorporation if your business is a limited company.

You can see the full list of requirements on the business banking checklist from UK Finance, the UK’s leading trade association for financial services.

When we process your application, we carry out credit and fraud checks on you and your business partners.

These checks take into account your personal and business credit, and anything that might affect your ability to get short-term credit. If your application’s successful, we’ll share information with credit reference agencies about how you manage your account.

After you send your application, we’ll review your application and carry out our checks.

If we approve your application, you’ll get a welcome email before your account is opened. After that, you’ll get a text message to confirm your account is open, followed by a welcome letter in the post.

As part of our checks, we may need to contact you for additional information or clarification on the information you’ve provided.

We aim to start processing all business account applications within seven workings days of receiving them. This could take longer if your business structure is more complex or if we’re receiving more applications than usual.

We’ll update this page with information on any delays, so check here before you apply. If any significant delays happen after you've submitted your application, we’ll get in touch to let you know.

We'll send out your business account details and debit card within seven working days of your account opening.

If you tell us within 14 days of opening your account that you want to cancel or switch to a different account, we’ll refund any account fees that you’ve paid.

The 14 days will start from when you get your Business Customer Agreement or the date your account was opened, whichever comes later. 

Your trading address must be the address where you run your business from. This can’t be a virtual office, a P.O. box, or your accountant’s or solicitor’s address.

If you need to provide proof of your trading address for your application, you can use any one document from this list, as long as it shows your trading address:

  • HMRC letter from the last 12 months.
  • Letter from an accountant or solicitor on headed paper from the last 3 months (or you can use our letter template . We can’t accept letters from the Institute of Certified Practicing Accountants (ICPA) or the Certified Public Accountants Association (CPAA).
  • Companies House letter dated from the last three months.
  • Commercial lease, license or rental agreement, completed and signed by both you and the landlord, and that shows the start and end dates.
  • Commercial gas or electricity bill or reminder from the last three months.
  • A current liability insurance contract or a non-domestic rate demand from the last 12 months.
  • Bank or credit card statement in for an account the name of the business and sent to the trading address in the last three months. We can’t accept statements from Barclays and digital-only banks.
  • Letter from regulators, such as the Financial Conduct Authority (FCA) or Law Society, relating to your business, from the last three months.

Important information

  1. You need to be 18 or over to access this product or service using the app. T&Cs apply.(Return to reference)

  2. You’ll get free access to the FreshBooks package developed exclusively for our business customers. The package is based on the existing FreshBooks £22 per month package, with some additional features. FreshBooks usually charges for its packages. You’ll only get the FreshBooks service free if you complete the sign-up journey with FreshBooks through our Online Banking referral, and agree to the FreshBooks terms and conditions. The service will be free for as long as you continue to be an eligible Barclays business customer. If you close all your business current accounts, your free use of the FreshBooks service will end. If we end our partnership with FreshBooks, you won’t get the FreshBooks service free anymore. We’ll let you know if that happens. You’ll then need to download all your data and reports to make sure you keep your records safe and secure, so you comply with Making Tax Digital requirements

    You can choose to upgrade to a paid FreshBooks package at your own cost. If you decide to upgrade from the free FreshBooks service to another FreshBooks plan, and pay the full price to FreshBooks, Barclays Bank PLC may receive commission for this from FreshBooks.

    Referred products are owned and provided by FreshBooks. Alternative service providers in the market may offer similar products. If you sign up to FreshBooks, you’ll need to read and accept their terms and conditions, if you agree with them. Once you become a FreshBooks customer, you’re bound by their terms and conditions. FreshBooks is offering this free for those who have a business current account with us. Barclays Bank UK PLC doesn’t receive commission. Barclays Bank PLC receives commission from upgrades.

    We don’t offer tax advice. If you’re not sure about tax or how VAT and other forms of tax work, seek independent financial advice. More Information about tax can be found on the HM Revenue and Customs website.

    Businesses with existing Barclays business current accounts aren't eligible for this offer.(Return to reference)

  3. Businesses with existing Barclays business current accounts aren't eligible for this offer. There are no monthly account fees for the first 12 months, after that you’ll pay £8.50 per month. Transaction charges apply. See a full list of transaction charges, [PDF, 376KB](Return to reference)