New customers benefit from free monthly account fees for 30 months if their balance stays above £1,000. All account holders enjoy UK-based specialist support, a Relationship Manager if eligible, and value-adding partnership services. It’s everything you need: Online. On the phone. On the go.
No monthly account fee for 30 months for new customers if your balance stays above £1,000; £7 per month thereafter.
Paying in cheques and cash in branch is free for the length of your account holding - limits apply.
Our Current Account Switch service makes switching fast and free.
Integrate software such as Quickbooks into your online banking.
Go Get Paid, the free, simple and secure app to help you get paid on time
Start-up guides, articles on the Business Exchange, free webinars and fraud education.
Specialist business advisers on the phone and The Co-operative Bank Business Help app.
Partnership service offerings include insurance, sustainability tools, merchant services, HR and tech support.
Online and in-person banking including mobile, instant secure messaging, telephone and in-branch.
Check your eligibility and apply.
Our Business Directplus account has an introductory offer for new customers who:
If your balance falls below £1,000 at any point, you will be charged a different tariff for the monthly charging period.
Find out more about these standard charges, non-standard tariffs, and what they mean by viewing our Business Directplus Tariff PDF.
When you keep your balance above £1,000.
If your balance drops below £1,000 at any point during the free banking period.
And after the 30 months finishes.
Please note: Your application is subject to status. This means we’ll assess your financial circumstances and complete credit checks.
If you’ve already started an application you can continue it here.
To be eligible for the Business Directplus account you and key parties must be:
You or your organisation must be either a:
If your organisation is a limited company, the following must be true:
Your application is subject to status. This means we’ll assess your financial circumstances and complete credit checks.
Not eligible for this account?
You may be eligible for one of our other accounts.
To apply for the Business Directplus account, you’ll need:
As a provider of UK business bank accounts, we have agreed to a basic set of information we’ll need from you to set up your UK business current account.
Find out what you’ll need to provide using the business banking checklist from UK Finance.
Read the following important documents and save copies for your future reference.
To view information on charging periods and pre-notification dates please visit our account charging page.
Less than 45 minutes
On average completing the application takes less than 45 minutes. You can save it to complete later.
Within 5 business days
Get a decision
We aim to give decisions within five business days. If approved, your account details will be ready.
Within 10 business days
We’ll post your online login information and security token details within seven to ten business days.
If your business already has a business account with us:
Or, if you’re a new customer:
No monthly service fee
Charges apply for cash, cheque and other special services
£10 monthly fee
And a simple charging structure
£10 monthly fee
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.