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 £2m or need lending facilities over £250,000, talk to one of our dedicated Relationship Managers.

Please note that this tool does not constitute as advice, always review all tariffs before making a decision.

All of our business bank accounts benefit from:

  • Free software integration

    Integrate your accountancy software like Xero, Sage or Quickbooks within your online banking

  • Free payment request app

    Go Get Paid, the free, simple and secure app to help you get paid on time

  • Free support tools

    Start up guides, articles on the Business Exchange, free webinars and fraud education

  • UK-based help and support

    Specialist business advisers on the phone and The Co-operative Bank Business Help app

  • Business services

    Partnership service offerings include insurance, sustainability tools, merchant services, HR tools and tech support

  • 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

  • Free automated debits and credits, debit card purchases, ATM withdrawals and manual credits

  • Online and in-person banking options

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

    • Pay in cheques and cash for free

    • Online and in-person banking options

    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

    • Lower banking fees

    • No arrangement fees on overdrafts

    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

    • Free everyday banking

    • Eligible to apply for grants from the customer donation fund

    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

    • Lower cash depositing fees

    • Open to any business type

    Standard Tariff

    For easy, everyday banking

    And a simple charging structure

    £10 monthly fee

    • Straight forward charging

    • Open to any business type

    Continue a business account application

    Continue a Sole Trader or single director application

    Continue an application

    Continue with a Partnerships, Limited Companies and Limited Liability Partnerships application

    Continue an application

    Continue with a charities, co-operatives, credit unions and community-interest companies application

    Continue an application

    Help for start-ups

    If you are a start-up and not sure where to begin, check out our help guides below.

    Read our start-up guide

    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.

    Current Account Switch Guarantee logo

    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 Co-operative Bank 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.