NatWest business bank accounts are available to eligible customers aged 18 or over. Specific account and service eligibility criteria apply.
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Why do you need a separate account for your business?
Benefit from greater business account transaction limits
Many banks place more flexible transaction limits on business bank accounts. This is because businesses tend to move more money around, so limits are higher to allow for this. For example, business bank accounts tend to have greater:
deposit limits to manage revenue inflows
withdrawal limits to cover employee salaries and business expenses
electronic funds transfer limits to allow large fund transfers to payroll and suppliers
business debit card transaction limits to facilitate business-related expenses.
Increased business account transaction limits can help you take control of your finances. All while allowing you to manage those larger transactions that are essential for your operations.
It’s also worth noting that, when you open a business bank account, you access additional tailored support. This may not be available with personal banking. For example, at NatWest, we have a business banking support centre where you can explore information, tips and resources to help you tackle everyday business issues.
Need a business account?
With a NatWest business bank account, you get:
- FreeAgent – their award-winning* software takes the stress out of your business finances
- The ability to bank anywhere – online, on your mobile 24/7, or at our network of branches or local Post Office (branch and Post Office banking not available to Mettle customers)
- Help when you need it by talking to us through secure messaging in-app or online
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*Friendliest Software of the Year, Institute of Certified Bookkeepers Luca Awards 2023. FreeAgent is free subject to client retaining their NatWest business banking current account. Optional add-ons may be chargeable. Mettle requires you to make at least one transaction per month with your Mettle account.
App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Our switcher offer
Get 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.
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*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. 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.
Boost your business' financial credibility
When you open a business bank account with NatWest, you'll have access to apply for products that could help you build your credit rating. It can be a good idea to build your score. This could help your chances in the future, even if you have no immediate plans to apply for business finance.
Getting a business bank account also protects personal assets, like your house, from being taken should you go into debt – as long as a limited company. Limited companies are classed as separate legal and financial entities, so it’s a good way to put space between your personal and business finances.
Please note that if you’re a sole trader and you’ve recently set up a limited company, banks may still look at your personal credit. This often happens if you don’t have enough business credit history.
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For loans and finance products, security may be required. Product fees may apply. Over 18s only. Subject to status.
You are not required to open or maintain a business current account with NatWest in order to obtain or manage a business loan from us. In some circumstances you may be required to open a fee-free Loan Servicing Account.
Could business lending be for you?
Borrowing could help your business pursue and invest in new and exciting opportunities.
Whether your business is at its early stages or more established, getting access to cash can help you grow. A business loan can be one way of unlocking this potential.
Please note that if you’re a sole trader and you’ve recently set up a limited company, banks may still look at your personal credit. This often happens if you don’t have enough business credit history.
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For loans and finance products, security may be required. Product fees may apply. Over 18s only. Subject to status.
You are not required to open or maintain a business current account with NatWest in order to obtain or manage a business loan from us. In some circumstances you may be required to open a fee-free Loan Servicing Account.
Take control of your cashflow with a business credit card
Whether you're a small business looking for one of our business credit cards or a larger organisation looking for a charge card or virtual card solution, opening a NatWest business account means you can apply for a bsuiness credit card that suits your needs. Our cards are ideal for making secure transactions and giving you flexible banking at your fingertips.
See if you could benefit from a business credit card.
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Security may be required. Product fees may apply. To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with NatWest. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Subject to status, for business use only.
Contact us
Have any questions? Take a look at our Support Centre to see how we can help you.
The quickest way to get in touch is by chatting to our 24/7 digital assistant, Cora.
Or, for everyday business banking support, contact us 24/7 on: 0345 711 4477.
- Outside the UK? Give us a call on: +44 870 511 4477
- Or call: 18001 0345 711 4477 for Relay UK.
If you’re looking for more specialist support, we provide this Monday to Friday, 9am till 5pm.
