Start-ups package

If you're setting up a new company or have been trading as a small business for less than a year, our start-up package could be just what you need to get your business off the ground. What's more you can save over £800.

Our Start-up package includes:

• Two years' free Business Banking with our Business Current Account – saving you £336.
• £500 fee-free overdraft in the first year to help you manage your cash flow – saving you £50. (Subject to status. Over 18s only).
• Free Regus Gold Card Membership for 12 months worth £420 p.a. – giving you unlimited access to 1,200 Regus business lounges and cafes around the world.
• No annual fee on your credit card for the first 12 months – saving you £32 per card.

Some of the features of this package are

• Free unlimited transactions – no matter how many deposits or withdrawals you make, as long as your business turnover is less than £1 million.
• £1 minimum balance – keep at least £1 in your account and you never need to worry about charges.
• No annual fee on your Business Credit Card – apply for an RBS Business Credit Card in the first six months of opening your account and we'll waive the annual £32 fee for your first year.
• Free Digital, Telephone and Mobile banking – pay bills and make transfers 24 hours a day, seven days a week. (Available to all business current account holders).

What does free business banking mean?

Free banking means that the charges for the day to day running of your account (known as your 'service charge') will not apply during the free banking period. At the end of this period, you will automatically move to the Standard Tariff. Charges for "Additional Services" and "Unarranged Borrowing" are not part of the free banking offer. Free banking applies to businesses that started trading within the past twelve months with projected or existing annual turnover not exceeding £1 million.

Our Business Current Account gives you:

• A dedicated Business Manager – support from your own Business Manager and sector experts if you need them.
• Banking when you want - with Digital, Telephone and Mobile banking, you can stay on top of your finances 24 hours a day, seven days a week.
• A Start-up Hotline - our experienced team understands the challenges facing new businesses, so they can offer practical advice to road test your ideas and review your business plans.
• A Business Debit Card – to help you manage your cash.
• Access to our extensive branch network

You'll also get:

• Free banking and business tools – whether you want to brush up your business know-how with our Business start-ups course or create a business plan with our Online Business Planner.
• Free security tools and software to keep your online transactions safe.

What we charge

• Download our standard business banking tariff for Scotland
• Download our standard business banking tariff for England and wales

• Call us on 0800 073 2259 (Typetalk - 18001 0800 073 2259). Lines are open: Monday to Friday 9am – 5pm (excl. public holidays). Calls may be recorded.
  Request a call back
• Apply online - it'll take about 15 minutes. We aim to get back to you within five working days or earlier to discuss your application in more detail.
• Visit one of our branches

What you'll need

To complete the form, we need details of your business, such as your address, how long you've been trading, the number of employees, and any other signatories you may want to add to the account.

• See details of the documentation we need to identify you and verify your address.

Need help with your application?

• Call us on 0800 073 2259 (Typetalk - 18001 0800 073 2259). Lines are open: Monday to Friday 9am – 5pm (excl. public holidays). Calls may be recorded.

Foundation Account

If you don’t qualify for our Business Current Account, for example if you have a poor credit history, we will talk to you about our Foundation Account when we receive your application.

There are no borrowing facilities available with a Foundation Account.