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Business current accounts

Specifically designed with small businesses and charities in mind

You’ll need a current account before you can access our other products and services.

Please find more details about our current accounts below.

FSB Business Banking Account

An award winning account exclusively for members of the Federation of Small Businesses (FSB).


  • Free business banking services such as paying in cheques and up to £2,000 cash per month free of charge. If you need to deposit more cash, you pay 75p per £100 extra.
  • Annual £25 loyalty bonus when you keep an active account. Terms and conditions apply.

Find out more about the services and benefits of FSB membership here

FSB Business Banking Account info

Federation of Small Businesses - experts in business logo

Moneyfacts 5 star rating for FSB Business Banking Account

Business Directplus Account

An award winning business account with a free banking period for new customers.

Moneyfacts Best service from a Business bank three time winner 2017 to 2019


  • New Co-operative Business Bank customers get free day-to-day banking for 18 months. Subject to monthly limits.
  • Access an overdraft facility and other lending options (subject to application, status and our lending policy).

Business Directplus Account info

Moneyfacts 5 star rating for Business Directplus Account

Community Directplus Account

An award winning account for registered charities, co-operatives, credit unions and community interest companies.

Community directplus account is a four time winner of the Moneyfacts business best charity banking provider for 2016 to 2019


  • Free banking for day-to-day transactions.
  • Apply for a donation of up to £1000 from our Customer Donation Fund to help benefit your enterprise.

Community Directplus Account info

Moneyfact 5 star rating for Community Directplus account

Business Current Account - Cash Tariff

A current account with an extra low cash depositing fee.


  • Clear and simple charging structure.
  • One of the lowest cash depositing fees on the market.

Business Current Account - Cash Tariff info

Business Current Account - Standard Tariff

A straightforward and consistent tariff.


  • No transaction limits.
  • Charges remain constant regardless of balance.

Business Current Account - Standard Tariff info

Switching your business account

The Current Account Switch Service means all your incoming and outgoing payments will be transferred to the new account for you.

Current Account Switch Guarantee logo

More about the Current Account Switch Service

Our customer testimonials

Elaine Griffiths from The Monastey Manchester

The bottom line is… Manchester businesses are proud to support their local communities.

Find out why our customers joined us for better business banking and how you can enjoy better business banking with a bank that understands the everyday challenges of running a business.

Read more of our customer testimonials

Help for existing customers

Help and information for our existing customers.

Learn more


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

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