Business current accounts
Feel-good business banking with the original ethical bank.
Whether you're a complex organisation, a small co-operative, or it's your first business, our range of business bank accounts offer the standard services, as well as plenty of value-added extras like 30 months free everyday business banking on select accounts. Join us for business banking.
If you have a turnover of at least £1m or need lending facilities over £250,000, talk to one of our dedicated Relationship Managers.
All of our business bank accounts benefit from:
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Free software integration
Integrate your accountancy software such as Quickbooks into your online banking
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Free payment request app
Go Get Paid, the free, simple and secure app to help you get paid on time
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Free support tools
Start-up guides, articles on the Business Exchange, free webinars and Co-operatives UK business support scheme
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UK-based help and support
Access specialist business advisers on the phone and The Co-operative Bank Business Help app
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Business services
Partnership service offerings include insurance, sustainability tools, merchant services, HR tools and tech support
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A choice of ways to bank
Online and in-person banking including mobile, instant secure messaging, telephone and in-branch
Featured business bank accounts
Open to start-ups and established businesses, our main business bank accounts offer a range of value-added benefits, useful features, as well as online and in-person banking options.
Business Current Account
For those who prefer to bank online
Only for Sole Traders, Single Directors or Shareholders; from start-ups to established businesses
No monthly service fee
Charges apply for cash, cheque and other special services
Business Directplus
For those who want a choice of how they bank
Suitable for businesses of all sizes
Free for 30 months, then £7 per month thereafter
Banking limits and minimum balance apply
Specialist business bank accounts
Our specialist accounts have no account fees and provide online and in-person banking. Those who are eligible can also enjoy reduced fees to their banking, along with value-added benefits.
Federation of Small Businesses account
An account built for small businesses
No monthly service fee
Banking limits apply
Community Directplus
For registered charities, co-operatives, credit unions and community-interest companies
Free everyday banking that can help change the world
No monthly service fee
Other business bank accounts
Our standard accounts give you simple and straightforward charging structures so you can pay for what you use, and nothing you don’t.
Cash Tariff
For businesses who have a high cash turnover
Benefit from low cash handling fees
£10 monthly fee
Standard Tariff
For easy, everyday banking
And a simple charging structure
£10 monthly fee
Help for start-ups
If you are a start-up and not sure where to begin, check out our help guides below.
Read our article on how to choose a business bank account that’s right for you
Already have a business current account somewhere else?
Our Current Account Switch Service makes switching your account simple, fast and free.
Learn how to switch your business account to us.
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of The Co-operative Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: The Co-operative Bank, Britannia and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Please read further information on the FSCS scheme here or visit their website.
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.