LIVE · UK BUSINESS BANKING
Your account is quietly overcharging you.
We rank UK business accounts by what they’ll really cost you. No credit check.
“Ditched £18 a month in account fees. Took ten minutes.”
- Indicative costs across challenger and high-street accounts
- No credit check to compare
- Free to use — paid by the provider you pick
How do you take payment?
Accounting software
Trading for?
By continuing, your details go to relevant banking providers from our panel — including Tide, Starling Business, Mettle and others on the panel. Free to use: we're paid by the banking provider you choose, never by you.
How we’re paidCostQuote is free to use and is not a bank. If you choose to continue with a banking partner, we may receive a referral fee or commission. This does not change your account fees, and it is not a guarantee of acceptance.
The shortlist
Sorted by true monthly cost. Not who paid most.
Monthly fee, cash handling, payments and FX — added up into one honest number, cheapest first.
- No monthly account fee
- FSCS-protected up to £85k
- Direct Xero integration
- No monthly account fee
- FSCS-protected up to £85k
- Direct Xero integration
- No monthly account fee
- FSCS-protected up to £85k
- Direct Xero integration
- Client money safeguarded (not FSCS)
- Direct Xero integration
Indicative figures. Costed for a typical SME taking ~£1,500/mo in cash, ~120 payments a month, on Xero, trading 2+ years. Your actual costs depend on how you bank — these are indicative, not a quote. FSCS protection and account terms vary by provider — always check before you switch.
Know the difference
Is your money protected?
Not every business account works the same way. We flag which is which on every result.
FSCS-protected
Accounts from licensed UK banks are covered by the Financial Services Compensation Scheme — up to £85,000 per eligible business, per banking group, if the bank fails.
Safeguarded
Some digital accounts aren’t banks. Your money is safeguarded — held separately at a partner bank — which is not the same as FSCS cover. Often great accounts; just know the distinction.
Customer · Mei
“I was on a high-street account paying £18 a month and barely using the branch. Switched to a free one in an afternoon.”
Mei · Studio owner · UK · Illustrative example — actual customer details on request
End to end
Switch in days, not weeks.
From compare to switched
Typical timelineTwo-minute match
Tell us how you bank. No credit check.
Open your pick
Apply with the provider you choose.
Switched
Move payments via the Current Account Switch Service.
Your details go to the banking providers you select — never anyone else without asking. How we use your data
Straight answers
Quick answers.
Is comparing business accounts actually free?
Yes. If you choose to open an account with a provider we introduce you to, they may pay us a referral fee. You never pay us, and it doesn’t change your account fees.
Will this affect my credit score?
No. Comparing accounts here involves no credit check. If you go on to open an account, that provider runs its own checks — they’ll tell you before they do.
Is my money protected?
It depends on the provider. Accounts from licensed banks are FSCS-protected up to £85,000. Some digital accounts safeguard your money instead — held separately, but not FSCS-covered. We flag which is which.
How do you sort the shortlist?
By the true monthly cost to your business — monthly fee plus what you’d pay on cash, payments and FX — cheapest first. Never by who pays us most.
Can I switch without the hassle?
Most current accounts support the Current Account Switch Service, which moves your payments and balance in seven working days and redirects anything sent to the old account.
Do you cover sole traders?
Yes. Several accounts on the panel take sole traders from day one, alongside limited-company options.