A business account keeps business transactions separate and can make day-to-day administration easier. The right choice depends on how you receive money, make payments, deposit cash and use accounting software.
Start with how you trade
Consider expected monthly transactions, cash and cheque deposits, international payments, card usage and whether several people need access to the account.
Look beyond introductory offers
Free banking periods can be useful, but check the charges that apply afterwards. Compare monthly fees, transaction costs, cash-deposit charges and overseas payment costs.
Useful integrations
Some accounts connect directly with bookkeeping and accounting platforms or provide invoicing and expense tools. These features can reduce administration if they match your existing workflow.
Merchant Guru provides practical information to help UK businesses understand their options. Where we have a commercial relationship with a provider, we'll make this clear.