Business Current Account - Standard Tariff

Our Business Current Account - Standard Tariff is designed for the basic management of your everyday business banking needs and offers the full services of a current account.

With our Business Current Account Standard Tariff, you can take advantage of:

  • A clear and consistent charging structure with no minimum balance
  • Unlimited deposits and withdrawals subject to available funds. Charges may apply. Please refer to the tariff for full details.
  • Access to your account via online banking or telephone banking.

Check eligibility and apply

With a Standard Tariff Account you can take benefit from:

  • Linked savings account
  • Online banking
  • Merchant services

Apply for a Standard Tariff Account

  • Ensure you have read the important documents below and saved copies of them for future reference

  • When applying please document all account parties consent to include their information and for relevant searches to be undertaken (including credit reference and fraud prevention checks). We may request this at a later date.

Participating providers of UK business bank accounts have agreed to a basic set of information that they will need from you to set up your UK business current account. Find out what you’ll need to provide using the simple business banking checklist from UK Finance, the UK’s leading trade association for financial services.

View UK Finance's opening a business account guide

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Switching to a Standard Tariff Account

Once your new account is open, you can switch your old account to us in 7 business days, using the Current Account Switch Service. Direct debits will be automatically transferred and payments into and out of your old account will be redirected.

Current Account Switch Guarantee

Check you're eligible

You and the key parties must be:

  • Aged 18 or over
  • a UK resident with a business address in the UK
  • free from County Court Judgements (CCJs), bankruptcy and IVAs over the last 6 years
  • free from missed payments on any personal credit obligations in the last 6 months.
  • If your organisation is a limited company you must adhere to the following criteria: the directors have never been disqualified, the business has never been subject to insolvency or an intention to dissolve, the business has not had a negative net worth in the last set of financial accounts.

Your application is subject to status and based on an assessment of your financial circumstances.

Please ensure you read the important documents below and save copies for future reference.

Sole trader

Your company:

  • is owned and controlled by one person
  • is not registered as a limited company

Your business does not already have a business account with us.

Your business does have a business account with us

Single director

You company:

  • is owned and controlled by one person
  • is registered as a limited company

Your business does not already have a business account with us.

Your business does have a business account with us

Partnerships, Limited Companies and Limited Liability Partnerships

Your company either:

  • has more than one owner
  • or is a partnership.

Not the account for you?

We have other current accounts to choose from.

See our other current accounts


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.

FSCS 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 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 click here for further information or visit www.fscs.org.uk

Not found what you're looking for?

Contact our support team