NatWest business banking services are available to eligible customers who are over 18. Specific account service eligibility criteria apply.
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Proud Partners of Team GB
Sprint ahead with our choice of business bank accounts
Self-employed
A Mettle by NatWest account for sole traders or limited companies with up to two owners who have a balance of less than £1m.
*Must be a UK-based company with owners who are UK residents. Only one owner can access the account.
Fees:
100% free – no hidden charges or transaction fees.
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Start-up businesses
A NatWest account for businesses trading less than a year with turnover of less than £1m.
Fees:
Free banking on everyday transactions for the first 2 years.
After 2 years, you’ll automatically move to our Standard Tariff.
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Established businesses
A NatWest account for businesses with turnover above £1m. Or, for businesses with turnover below £1m who have been trading for over a year.
Fees:
Free banking on everyday transactions for 2 years if you make a full switch to us using the Current Account Switch Service.
Otherwise, our Standard Tariff applies.
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Charities & non-profits
A NatWest acccount for charities, clubs, and non-profits. At least one applicant must be an existing NatWest personal or business customer.
Fees:
Free banking on everyday transactions if your annual credit turnover is less than £100k and remains at this level.
Otherwise, our Standard Tariff applies.
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Free banking on everyday transactions means the charges for the day to day running of your account (known as your service charges) won’t apply during the free banking period. At the end of this period, you’ll be automatically moved to the Standard Tariff. Charges for unarranged overdrafts, Bankline, international payments and any additional services are not part of the free banking offer. Not applicable to Mettle.
Switch offer is available for customers whose projected or existing turnover is below £2m, and who make a full switch to a NatWest business bank account using the Current Account Switch Service (CASS). It's not available to customers switching a Royal Bank of Scotland or Ulster Bank business current account to NatWest. CASS is not currently available for Mettle accounts.
Available on the app, in branch and at Post Office.
Limits and fees may apply.
Available on the app, in branch and at Post Office.
Limits and fees may apply.
Available on the app, in branch and at Post Office.
Limits and fees may apply.
Free banking on everyday transactions for 2 years when you switch to us
If you've got an annual turnover of up to £2m and switch your business account to us using the full Current Account Switch Service, we'll give you 2 years of free banking on everyday transactions.
Everything will be moved across from your old account to your new account for you, all within 7 working days, including Direct Debits and Standing Orders.
Switch offer is not available to customers switching a Royal Bank of Scotland or Ulster Bank business current account to NatWest. Not currently available for Mettle accounts.
Current Account Switch Guarantee (PDF, 40KB)
Your Guide to switching your account to us (PDF, 2.3MB)
Free banking means the charges for the day to day running of your account (known as your service charges) won’t apply during the free banking period. Charges for unarranged overdrafts, Bankline, international payments and any additional services are not part of the free banking offer. At the end of the free banking period, you’ll be automatically moved to the Standard Tariff. Not currently available for Mettle accounts.
Don't fear your accounts, with FreeAgent
Integrate your accounts to stay on top of your tax with FreeAgent. It’s free for as long as you retain your NatWest business bank account. Optional add-ons may be chargeable.
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Get HR and health & safety support from MentorDigital
Manage your people anywhere, anytime, on any device with free tools from MentorDigital.
MentorDigital is subject to app store availability and phone network access. Network provider charges may apply. Some Mentor services incur a cost.
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Buddy up with Business Builder
With Business Builder you’re not on your own. Our specialist advice, smart tools, and upskilling opportunities are designed to help build your confidence.
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Grow with our Accelerator Programme
Discover wrap around support with one-to-one coaching and thought leadership, online or at our nationwide co-working hubs.
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What you need to open a NatWest business bank account
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.
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See how our business bank accounts compare
If you’d like to see how our Business Bank account products stack up against the others in the market, you can compare them at the following websites (suggested by the UK Government's Competition and Markets Authority):
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How fees work on our business bank accounts
Business accounts can often seem complicated when it comes to charges. We’re here to help you find ways to save and learn more about what you’re charged for. And although NatWest start-up business account holders don’t pay transaction fees for the first 2 years anyway, it’s always worth understanding how you can reduce your charges after that period ends.
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Have a look at some of our service measures
If you want to see how we have performed on key service areas, you can get a detailed view here.
NatWest performance indicators (PDF, 58KB)
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Business savings accounts
Make your money work as hard as you do with a Business Savings account. As an example, our Liquidity Manager 95-day Notice Account has an interest rate of 4.25% AER, 4.17% Gross p.a. (variable).
Note: The Liquidity Manager 95 interest rate will decrease to 3.75% AER / 3.69% Gross p.a on 15th July 2024.
Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals from the Liquidity Manager Notice Accounts are not permitted.
Business Loans and Finance
We've got a range of borrowing options that could help your business grow including green loans, real estate finance and overdrafts.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Tyl by NatWest
Use our simple solution, Tyl, to take payments in-store, online or over the phone (eligibility and fees apply.)
What you need to know before you apply for a NatWest bank account...
Useful info about our NatWest business accounts
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