Start-up business account

Spend more time on your business

Our start-up business accounts come with tools and support to help your new business thrive. 

  1. Award-winning app with free invoicing feature

  2. Simple and secure Online Banking with group payments and cash collection booking tools 

  3. A UK-based team of business managers to help you manage and grow your business 

  4. Specialist advice from our international team of high-growth and entrepreneur experts

  5. Free banking for the first 12 months1

Increased demand for our services, together with difficulties caused by coronavirus, 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, and
  • You’re a sole trader or a limited company with only one director

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

Banking with a personal touch

Advice for every day and beyond

We’re here to help with your day-to-day banking, while our UK-based team of business managers2 are on hand to offer advice and support for your growing business – from strategy, planning and cashflow to help with lending and trading abroad.

Insights to help your business grow

If you’re just getting started, our guides can help you with everything from business planning to cashflow forecasting.

Support wherever your business takes you

You can’t always predict where your new business will take you. That’s why we connect you to our accredited international team and high-growth and entrepreneur experts, who can help you adapt to change and respond to opportunities.

Price Plans

First 12 Months

Type of transaction Payment Plan
Electronic Payments Free
Cash payments  Free
Cheques and assisted payments Free
Cash machine cash out and electronic internal transfer  Free
Monthly account fee Free

We charge a fee for non-standard transactions, such as audit letters, returned or stopped cheques, international payments and duplicate statements. See a full list of standard and non-standard transactions

After 12 months

We have two Price Plans to choose from, designed for the way your business makes and receives payments.

Mixed Payments Plan – If your business uses cash, cheques and electronic payments to make and receive payments.

e-Payments Plan – If your business mainly makes and receives payments via electronic payments, Online Banking and debit cards.

Type of transaction Mixed Payments Plan e-Payment Plan
Electronic Payments  £0.35 per transaction Free
Cash payments  £0.90 per £100 £1.50 per £100
Cheques and assisted payments £0.65 per transaction £1.50 per transaction
Cash machine cash out and electronic internal transfer  Free Free
Monthly account fee £6.00 £6.50

For more information on our fees, read our Business Current Account Price Plan3

Price Plan guarantee

The way your business makes and receives payments can change over time. To make sure you’re always on the plan that offers the best deal, we’ll review this each year. We’ll contact you if we think a different plan could save you money and move you on to it, unless you tell us otherwise. However, if you think another plan would suit your needs better, you can move whenever you like – just let us know. 

Business banking on the move

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  • Make payments and pay in cheques

Make third-party and international payments on the go using our app4. You can also pay in cheques without visiting a branch – just take a picture of your cheque and let us know the amount. You’ll usually get your money the next working day.

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  • Keep track of your invoices

Your app shows you which invoices have been paid and when, and notifies you when an invoice has been settled. You can also send reminders for overdue payments.

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  • Log in the easy way

Forgotten your card reader and need to access your Online Banking? Mobile PINSentry in the Barclays app lets you log in to Online Banking without a card reader or debit card.

Apply online for a start-up business account

We’re getting lots of applications at the moment and it’s taking us up to three weeks to process them.

Please only apply if it can’t wait (for example, if your business is providing goods or services to the NHS, or you’re key workers), so we can focus on those businesses that need us most.  Thanks for your patience while we try to help everyone as quickly as possible.

When you apply, you’ll need to give us some basic information. You can find the guide to what we need at UK Finance, the UK’s leading trade association for financial services.

Other ways to apply

Apply by phone

You can apply for a start-up business account by phone if

  • You’ve had a personal or business account with us for at least six months, and
  • You’re a sole trader or a limited company with only one director 

Please call us on 0800 515 46215to start your application. 

Apply at a branch

If you already have a personal or business account with us, you can apply for a start-up business account at one of our branches. Please call us on 0800 515 46215 to make an appointment.

Branch appointments aren’t available to new customers at the moment – we’ll update this page when that changes.

Coronavirus help and support

If you’re concerned about the coronavirus situation, we want to reassure you that we’re here to help you get through this difficult time. See what we’re doing right now.

Frequently Asked Questions