Overlay
Woman worker in her workshop with a tablet in her hand
Business bank account

An account with useful features for all types of businesses

Flexible everyday banking for your business

No minimum monthly charge - only pay for what you use

24/7 Digital, telephone and mobile app banking

Dedicated Relationship Manager (turnover and eligibility criteria apply)

Free accounting software from FreeAgent 

For businesses who have a:

- turnover above £1m and have been trading for under or over a year,

- turnover below £1m and have been trading over a year

There's also:

Lending and cash management

Finance is subject to status. Security may be required. Product fees may apply.

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Ways to grow your business network

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Specialist business support

  • Personalised service and specialist products and services to develop your business (eligibility criteria apply)
  • A dedicated Relationship Manager - a single point of contact to look after your business banking needs (turnover and eligibility criteria apply)
  • Access to Bankline (criteria and fees may apply)
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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 NatWest or Ulster Bank business current account to Royal Bank of Scotland. 

Current Account Switch Guarantee (PDF, 60KB)

Your Guide to switching your account to us (PDF, 532KB)

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Apply now

Thanks for choosing our Business bank account. Let's get started.

Before you continue...

During your application you will need to make a choice on the type of account you want to apply for:

  • a Business Current Account - used for the day to day running of your business, OR
  • a Loan Servicing Account - used ONLY for loan repayment purposes. You'll need this if you have a loan with us, but not your current account(s).

Should you select the incorrect account, you will need to reapply choosing the correct option.

Digital ways to bank
 

As part of your application, you may be able to opt for either Digital Banking or Bankline. 
 

  • Digital Banking is a free service.
  • Bankline has a monthly fee (based on number of accounts registered) and is designed for businesses with more complex needs. You’ll need this option if you’d like to set custom controls, like having two separate users approve payments. 
  • For a quick view of these services, visit Ways to bank.
  • For detailed comparison of their features and fees, see our comparison table.
Are you...
OK, so you're an existing customer. Is the bank account for...
What is your estimated annual turnover?

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you currently hold an existing Royal Bank business or personal account, please apply below or give us a call on 0345 600 2230.


Relay UK Service:

18001 0345 600 2230 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
We need to see evidence of your turnover. Are you able to supply this?
You’ll need to show us that your turnover is over £2m so that we can progress your application.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you currently hold an existing Royal Bank business account, please apply below or give us a call on 0345 600 2230.


Relay UK Service:

18001 0345 600 2230 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you currently hold an existing Royal Bank business account, please apply below or give us a call on 0345 600 2230.


Relay UK Service:

18001 0345 600 2230 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Do you have a relationship manager?

Call your Relationship Manager

You should have a direct number for them. You can discuss applying for an additional business account. They can start the application for you and arrange to get the appropriate signatures.


When can I call?

Business and Relationship Managers are available 9am-5pm Monday to Friday.

No problem. We can still help.

For businesses in Scotland, please call us on 0345 600 2230.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you currently hold an existing Royal Bank business or personal account, please download an additional account form or give us a call on 0345 600 2230.


Relay UK Service:

18001 0345 600 2230 (Scotland)

18001 0345 600 2230 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)

For more information on accessibility, visit our accessibility page.

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

What is your estimated business annual turnover?

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you do not currently hold an existing RBS business or personal account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service:

18001 0345 711 4477 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
We need to see evidence of your turnover. Are you able to supply this?
You’ll need to show us that your turnover is over £2m so that we can progress your application.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 


How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you do not currently hold an existing RBS business account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service:

18001 0345 711 4477 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England or Wales?

If your business will be based in England or Wales and you do not currently hold an existing RBS business account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service:

18001 0345 711 4477 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
What is your estimated annual turnover?

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree
  • You'll need 6 months of bank or building society statements if you're switching accounts to us

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England and Wales?

If your business will be based in England or Wales and you do not currently hold an existing Royal Bank business or personal account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service:

18001 0345 711 4477 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
We need to see evidence of your turnover. Are you able to supply this?
You’ll need to show us that your turnover is over £2m so that we can progress your application.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree
  • You'll need 6 months of bank or building society statements if you're switching accounts to us

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England and Wales?

If your business will be based in England or Wales and you do not currently hold an existing Royal Bank business account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service:

18001 0345 711 4477 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree
  • You'll need 6 months of bank or building society statements if you're switching accounts to us

Please take some time to review the important info
 

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in England and Wales?

If your business will be based in England or Wales and you do not currently hold an existing Royal Bank business account, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service:

18001 0345 711 4477 (England and Wales)

Mon to Fri 9am-5.30pm (excl. public holidays)


For more information on accessibility, visit the accessibility page.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.

Already started an application?

Log in to continue or check the status of your application in our online application centre

You can use the same details that you created when you applied for your business account. If you haven’t already set up access to your online application centre, you can create a login now

Useful info about this account

Need more information before you apply?

Easy finance management

Visit our servicing hub for instant access to managing your business accounts, loans, credit cards and any other business service you have from Royal Bank.

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Simple charges

Benefit from our Standard Tariff with no minimum monthly charge. See our full list of business account charges:

Business Account Charges booklet (PDF, 81KB)

 

Summarised Business Account Charges booklet (PDF, 81KB)

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Premium online banking

Bankline offers a customisable digital banking service to manage multiple accounts, with a range of user management options. Fees apply.

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Business account terms

Read our Business account terms document.

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Ways to save on your account charges

We're all for saving money (banks generally are) and you probably are too, so here are some of our tips for reducing your account charges during your day-to-day banking. 

Business savings accounts

We’ve raised our rates across our savings account range. As an example, our Liquidity Manager 95-day Notice Account now has an interest rate of 4.25% AER, 4.17% Gross p.a. (variable).

Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals from the Liquidity Manager Notice Accounts are not permitted. 

Climate support for businesses

Access products, advice and resources to help with your environmental goals, as we work together to tackle climate change.

Security may be required. Product fees may apply. Finance only available for business purposes.

Something else we can help you with?