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Proud Partners of Team GB

Do more with a Community bank account

We’re championing the power of community 

An everyday account for charities, clubs and societies

  • Existing Royal Bank personal or business banking customers* are eligible to apply for free banking on everyday transactions if your community account's annual credit turnover is less than £100,000**
  • Access award-winning*** online accounting software for free with this business banking current account as long as you retain your bank account (optional add-ons may be chargeable)
  • 24/7 Digital Banking and Phone Banking
  • Bank anywhere with our mobile banking app

 

This current account is for not for profit limited companies registered at Companies House, clubs and societies, churches and places worship, registered and unregistered charities, charitable incorporated organisations (CIOs) and non-personal trusts. This account can use our Mobile Banking app. Want to see our other business current accounts? See the range

*At least one of the parties named in the application must be an existing Royal Bank customer - if there is no existing relationship your application will be declined

** If your turnover exceeds £100k, your account will be moved onto our Standard Tariff.  Fees & charges apply.

***Friendliest Software of the Year, Institute of Certified Bookkeepers Luca Awards 2023.

Free accounting software? Yes please.

FreeAgent accounting software makes it easy to stay on top of your business finances and has been named the Friendliest Software of the Year*. As a Royal Bank business current account holder, you can access this software for free** for as long as you retain your bank account. Key features include:

Invoices, expenses and bank accounts in one place

Cashflow overview and 90-day cashflow forecast

Tax Timeline and Making Tax Digital-compliant tax returns

* Institute of Certified Bookkeepers Luca Awards 2023.
**Optional add-ons may be chargeable.

This account in detail…

Features

Contactless debit card

Need to pay for business purchases in shops and online or withdraw cash? That’s where the contactless debit card comes in handy. Use Apple Pay and Google Pay™ for payments with your phone.

24/7 Digital Banking

Our Digital Banking service means you can access your business account, whenever it suits you.

Mobile Banking app

Our Mobile Banking app is secure, easy-to-use and lets you do loads of useful business banking tasks when you’re out and about.

Everyday support

Get text alerts, email alerts, manage Direct Debits and more.

Chequebook and paying in book

You can have a chequebook and a paying in book too (useful If you’re receiving cash or cheques).

Authorise signatories

Authorise up to four individuals as signatories on the account.

Benefits

Managing cashflow is easy

Because you can access your account 24/7 online or through the app, you know exactly where you stand. You can see what’s gone out, what’s come in and what invoices have been paid.

Free banking on everyday transactions

If you’re a not for profit organisation with an annual turnover that doesn’t go over £100,000, you could qualify for free banking on everyday transactions. If you have a turnover above £100,000, you will move on to our Standard Tariff after being provided with a 60-day notice period.

Free accounting software

This account gives you access to FreeAgent, which makes business bookkeeping really easy.

Charges

Simple terms and charges information

Our Terms and Charges info is clear and simple. Interest is calculated daily and is charged quarterly.

Useful info about this account

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 business days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

 

Current Account Switch Guarantee (PDF, 60KB)

A Guide to Switching Current Accounts (PDF, 532KB)

How does the Current Account Switch Service work?

Apply now

Thanks for choosing our Community 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:

  • Business Current Account - used for the day to day running of your business, OR
  • 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.

Are you...
OK, so you're an existing customer. Is the bank account for...

Great, please make sure you're eligible to apply

Your organisation's annual turnover is under £2m

You and any other account holders will be aged 18 or over

You will be a signatory on behalf of the organisation you're applying for

You or any other account holders are not currently declared as Bankrupt

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 

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 Mitek formerly 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 Mitek 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 Mitek.
  • 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:

(Scotland): 18001 0345 600 2230

(England and Wales): 18001 0345 600 2230


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.

Great, please make sure you're eligible to apply

Your organisation's annual turnover is under £2m

You and any other account holders will be aged 18 or over

You will be a signatory on behalf of the organisation you're applying for

You or any other account holders are not currently declared as Bankrupt

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

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 Mitek formerly 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 Mitek 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 Mitek.
  • A credit check on everyone on your application.

Great, please make sure you're eligible to apply

  • If your community account's annual credit turnover is under £100k at least one of the named applicants must be an existing Royal Bank personal or business banking customer
  • Your organisation's annual turnover is under £2m
  • You and any other account holders will be aged 18 or over
  • You will be a signatory on behalf of the organisation you're applying for
  • You or any other account holders are not currently declared as Bankrupt

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 Mitek formerly 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 Mitek 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 Mitek.
  • 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 community account. If you haven’t already set up access to your online application centre, you can create a login now

Additional support for your business

Social and Community Capital

We’re sure you’ll make a big positive impact, but sometimes it's difficult to get the finance you need to grow. We can offer support and alternative funding. 

Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 

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Join our community of entrepreneurs

We offer a range of programmes and helpful tools, plus you could tap into a network of specialists and like-minded peers who could offer help and guidance.

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Something else we can help you with?