Interior of a cafe.

Start-up business account

Banking that lets you spend more time on your business

Starting a business means there’s more to think about than managing your bank account, so we give you the online tools and expertise to help you grow.

Increased demand for our services, together with difficulties caused by the coronavirus situation, mean we’re currently limiting start-up business account applications.

This means you can only apply if you already have a personal or business account with us.

We’re sorry about this and we’re doing everything we can to get things back to normal as soon as possible, so please check this page regularly for updates. Thank you for your patience and understanding.

Guidance for personal customers running businesses

Though personal current accounts shouldn’t be used for business purposes, we understand that some small businesses use them for business transactions. You don’t need a Barclays Business current account to be eligible for a Bounce Back Loan, but we’ll need to verify some details about your business before you can apply. If you’ve been using a personal account for trade and think your business qualifies for a Bounce Back Loan, you can call the New Customer Team on 0800 515 4621 to discuss creating a business relationship.

You’ll also need to provide proof that your business was trading through your Barclays personal account on or before 1 March 2020.

We’re receiving a high number of calls right now, so it might take us longer than we’d like to answer your call. 

Why choose a business account with us?

Our start-up account gives you a host of free tools and the support you need to help your new business thrive – and it’s free for the first 12 months2.

Everyday banking that saves you time

Spend less time managing money and more time focusing on your business with our safe, secure and simple Online Banking tools and our app.

You can manage payments, check your statements and much more, 24 hours a day – whether you’re at home, in the office or on the move.

More than just telephone banking

Our Everyday Banking team is here to help with your day-to-day banking, while our UK-based Business Direct team3 is on hand to give advice and support for your growing business – from strategy, planning and cashflow, to help on lending and trading abroad.

Expertise is just a phone call away so there’s no need to leave your workplace – call any time from 7am to 8pm, Monday to Friday. 

Specialist support to help you thrive

If you’re just getting started, our range of comprehensive guides can help with everything from business structures to finding funding.

You can’t always predict where your new business will take you. As you adapt to change and respond to opportunities, we’re ready to connect you to specialist teams like our accredited International Team and High Growth & Entrepreneur experts.

Bounce Back Loan Scheme

We’re no longer able to offer you a Bounce Back Loan if you’re operating your business through accounts with other banks. To apply for a Bounce Back Loan with us, you’ll need to be a Barclays Business customer, or have a personal current account with us that was opened on or before 1 March 2020. You’ll also need to provide proof that your business was trading through that personal account on or before that date, and be able to provide the additional documents on this list.

Apply online for a start-up business account

If you already have a personal or business current account with us you can apply over the phone or in one of our branches – but the quickest way is to apply online. 

We need a basic set of information to open a start-up business account. See the guide to what we need at UK Finance, the UK’s leading trade association for financial services.


Price plans

Applicable after your free banking period.

Supporting your business

Coloured pencils arranged in a shop display

Business account for turnover up to £400k

Easy everyday banking for established businesses

Our straightforward banking frees up your time so you can concentrate on your business – with online tools and business banking experts to help it grow.

A man holding a smartphone

The Barclays app

Business Banking on the move

Use our app5 to run your accounts from the palm of your hand. Manage your accounts, invoice on the move and get instant help.

Do I need a business bank account?

If you’re using a personal bank account for your business, switching to a business one could save you time, simplify your business accounting and help you access business finance.

Need some help?

Talk to us online

Start a web chat if you’d like to ask us a question online.

Call us

Call us on 0800 515 462 1. Lines are open Monday to Friday, 9am to 5pm.