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Business current accounts

As a bank founded on co-operative values, we’ve always been committed to putting our customers’ needs at the heart of everything we do. We have a range of business current accounts specifically designed with small businesses in mind.

Do I need a business bank account?

Whether you need a business bank account or not depends on the structure of your business, however, most banks, The Co‑operative Bank included, do not allow personal current accounts to be used for business purposes.

A separate business bank account helps you manage your business finances more effectively and can give you access to additional services, such as overdraft facilities or business savings accounts. They also help business owners to keep track of their expenses, as well as managing cash flow.

Already have a business current account elsewhere?

Learn how to switch your business account to us.

Current Acccount Switch Guarantee logo


2019 Awards

Moneyfacts business best charity banking provider logo

The Co-operative Bank has been voted the winner of the 2019 'Best Charity Banking Provider' award by Business Moneyfacts, for the fourth consecutive year.

Moneyfacts Best service from a Business bank logo

The Co-operative Bank has been voted the winner of the 2019 'Best Service from a Business Bank' award by Business Moneyfacts, for the third consecutive year.

See more awards


Our customer testimonials

30 months free everyday banking^ makes a huge difference to our business.

Northwest Towbar Centre is a leading supplier of towbars and vehicle accessories based in Stockport. Nick tells us why he chose our Business Directplus Current Account.

Customer testimonials - Read Nick's story


The Co-operative Bank reserves the right to decline any application.

Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.

The Co‑operative Bank, Britannia and smile are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).

Our service quality information

The Financial Conduct Authority requires us to publish information about our business current accounts. View our business current account service quality information.

 

Contact us

If you'd like more help & information, you can: