Best Compare Bad Credit Business Bank Accounts
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How it works
Zempler Bank Business Go
- Monthly FeeFree
- Card PurchasesFree
- Bank Transfers30p
- OverdraftYes
- AccessApp/Online
Product Features
- No account fees, no credit checks & 3 free transfers each month
- Connect with popular accounting software, including Xero, QuickBooks & Sage
- Access a marketplace of offers, discounts and deals
- Has a maximum account limit of £500,000
- FSCS protected, covering your eligible deposits up to £85,000
Eligibility Criteria
- You are a sole trader or director of a limited company, or charity registered on Companies House
- Your business is registered in the UK
- All applicants are 18+, have a UK phone number & UK address
- Business overdraft available, subject to eligibility
Zempler Bank Business Extra
- Monthly Fee£9
- Card PurchasesFree
- Bank Transfers30p
- OverdraftYes
- AccessApp/Online
Product Features
- Get 20 free transfers each month & earn 0.5% cashback on eligible card spend
- Access the Business Creditbuilder to help improve your credit score
- Connect with popular accounting software, including Xero, QuickBooks & Sage
- Access a marketplace of offers, discounts and deals
- Has a maximum account limit of £500,000
- FSCS protected, covering your eligible deposits up to £85,000
Eligibility Criteria
- You are a sole trader or director of a limited company, or charity registered on Companies House
- Your business is registered in the UK
- All applicants are 18+, have a UK phone number & UK address
- Business overdraft available, subject to eligibility
Tide Business Current Account
- Monthly FeeFree
- Card PurchasesFree
- Bank Transfers20p
- OverdraftNo
- AccessApp/Online
Product Features
- Earn an exclusive 4.08% AER on deposits in your account
- No account fee & register your business for £14.99
- Hold up to five business accounts for multiple businesses
- Accounting integrations with QuickBooks, Xero, Sage & more
- Offer FSCS protection, up to £85,000, through partnership with ClearBank
Eligibility Criteria
- You are a UK sole trader or freelancer or your business is registered with Companies House as a limited company or partnership
- All directors are UK residents
- Have a valid UK phone number & have access to device registered to the App Store or Google Play
Tide Plus Account
- Monthly Fee£9.99
- Card PurchasesFree
- Bank Transfers20p
- OverdraftNo
- AccessApp/Online
Product Features
- Earn an exclusive 4.08% AER on deposits in your account
- Get exclusive member perks & discounts
- Priority in-app customer support & 24/7 free legal helpline
- Hold up to five business accounts for multiple businesses
- Accounting integrations with QuickBooks, Xero, Sage & more
- Offer FSCS protection, up to £85,000, through partnership with ClearBank
Eligibility Criteria
- You are a UK sole trader or freelancer or your business is registered with Companies House as a limited company or partnership
- All directors are UK residents
- Have a valid UK phone number & have access to device registered to the App Store or Google Play
Tide Pro Account
- Monthly Fee£18.99
- Card PurchasesFree
- Bank TransfersFree
- OverdraftNo
- AccessApp/Online
Product Features
- Earn an exclusive 4.08% AER on deposits in your account
- Unlimited free transfers in & out, every month
- Get exclusive member perks & discounts
- Priority in-app customer support & 24/7 free legal helpline
- Hold up to five business accounts for multiple businesses
- Accounting integrations with QuickBooks, Xero, Sage & more
- Offer FSCS protection, up to £85,000, through partnership with ClearBank
Eligibility Criteria
- You are a UK sole trader or freelancer or your business is registered with Companies House as a limited company or partnership
- All directors are UK residents
- Have a valid UK phone number & have access to device registered to the App Store or Google Play
Tide Cashback Account
- Monthly Fee£49.99
- Card PurchasesFree
- Bank TransfersFree
- OverdraftNo
- AccessApp/Online
Product Features
- Earn an exclusive 4.08% AER on deposits in your account
- Access to a team of dedicated account managers
- Get exclusive member perks, discounts & 0.5% cashback on card spend
- Priority in-app customer support & 24/7 free legal helpline
- Hold up to five business accounts for multiple businesses
- Accounting integrations with QuickBooks, Xero, Sage & more
- Offer FSCS protection, up to £85,000, through partnership with ClearBank
Eligibility Criteria
- You are a UK sole trader or freelancer or your business is registered with Companies House as a limited company or partnership
- All directors are UK residents
- Have a valid UK phone number & have access to device registered to the App Store or Google Play
ANNA Money Pay As You Go
- Monthly FeeFree
- Card PurchasesFree
- Bank Transfers20p
- OverdraftNo
- AccessApp/Online
Product Features
- No monthly fee, no credit checks & register your business for free
- Add +Taxes for £3 a month for 3 months, £24 plus VAT after
- Get 1% cashback on selected business purchases
- Convert currencies for a 1% transfer fee
- Sync with Xero or Sage & connect other business accounts
- Does not offer FSCS protection, covering eligible deposits up to £85,000
Eligibility Criteria
- You are a sole trader, a partner in a limited liability partnership or director of a limited company (listed on Companies House)
- Your business is located in the UK
- You have a UK residential address
- Not available to charities
ANNA Money Business
- Monthly Fee£14.90
- Card PurchasesFree
- Bank Transfers20p
- OverdraftNo
- AccessApp Only
Product Features
- First month & +Taxes included for free, £24 plus VAT after
- Get 1% cashback on selected business purchases
- Convert currencies for a 1% transfer fee
- Sync with Xero or Sage & connect other business accounts
- Does not offer FSCS protection, covering eligible deposits up to £85,000
Eligibility Criteria
- You are a sole trader, a partner in a limited liability partnership or director of a limited company (listed on Companies House)
- Your business is located in the UK
- You have a UK residential address
- Not available to charities
ANNA Money Big Business
- Monthly Fee£49.90
- Card PurchasesFree
- Bank TransfersFree
- OverdraftNo
- AccessApp Only
Product Features
- First month free & unlimited free bank transfers & ATM withdrawals
- Get 1% cashback on selected business purchases
- Convert currencies for a 0.5% transfer fee
- Sync with Xero or Sage & connect other business accounts
- Does not offer FSCS protection, covering eligible deposits up to £85,000
Eligibility Criteria
- You are a sole trader, a partner in a limited liability partnership or director of a limited company (listed on Companies House)
- Your business is located in the UK
- You have a UK residential address
- Not available to charities
Airwallex Business Account
- Monthly FeeFree
- Card PurchasesFree
- Bank TransfersFree
- OverdraftNo
- AccessApp/Online
Product Features
- Sign up completely online & for free, with no monthly fees
- Open local-currency accounts in over 60 countries
- Accept payments from 180+ countries & transfer to 150+
- Integrates with platforms like Xero, Amazon, Shopify & more
- Not covered by the FSCS but bound by safeguarding rules to ensure deposits are protected
Eligibility Criteria
- You are a sole trader registered with HMRC as self-employed or you have a company registered with Companies House
- Your business is registered in the UK, European Economic Area (EEA), USA, Canada, Netherlands, Lithuania, Singapore, Malaysia, Hong Kong SAR, Australia or New Zealand (more countries may be available)
- You are 18 or over
Countingup Business Account (Tier 1)
- Monthly Fee£3
- Card PurchasesFree
- Bank Transfers30p
- OverdraftNo
- AccessApp Only
Product Features
- Open with no credit check & get your first 3 months free, £3 per month after
- Share access with your accountant
- Backed by ING & Sage
- Automate time-consuming tasks with built-in accounting software
- Do not offer FSCS protection, which covers deposits up to a total of £85,000
Eligibility Criteria
- You are operating as a sole trader or run a limited company on your own
- You must be a UK resident & at least 18 years old
- Your total monthly deposits less than £750
- If your maximum monthly deposit is exceeded, then your account will automatically upgrade to the appropriate subscription plan. You will not be able to downgrade from this plan.
Countingup Business Account (Tier 2)
- Monthly Fee£9
- Card PurchasesFree
- Bank Transfers30p
- OverdraftNo
- AccessApp Only
Product Features
- Open with no credit check & get your first 3 months free, £9 per month after
- Share access with your accountant
- Backed by ING & Sage
- Automate time-consuming tasks with built-in accounting software
- Do not offer FSCS protection, which covers deposits up to a total of £85,000
Eligibility Criteria
- You are operating as a sole trader or run a limited company on your own
- You must be a UK resident & at least 18 years old
- Your total monthly deposits are between £750 & £7,500
- If your maximum monthly deposit is exceeded, then your account will automatically upgrade to the appropriate subscription plan. You will not be able to downgrade from this plan.
Countingup Business Account (Tier 3)
- Monthly Fee£18
- Card PurchasesFree
- Bank Transfers30p
- OverdraftNo
- AccessApp Only
Product Features
- Open with no credit check & get your first 3 months free, £18 per month after
- Share access with your accountant
- Backed by ING & Sage
- Automate time-consuming tasks with built-in accounting software
- Do not offer FSCS protection, which covers deposits up to a total of £85,000
Eligibility Criteria
- You are operating as a sole trader or run a limited company on your own
- You must be a UK resident & at least 18 years old
- Your total monthly deposits are £7,500+
Card One Money Business Account
- Monthly Fee£12.50
- Card PurchasesFree
- Bank Transfers30p
- OverdraftNo
- AccessApp/Online
Product Features
- Applications take no longer than 10 minutes, with no credit checks
- Prepaid business cards helping you only spend what is loaded
- Manage direct debits, standing orders, invoices, wages & more
- Export statements to existing software, including Wave, Xero, Sage & FreeAgent
- Not covered by the FSCS, funds are held in a safeguarded account with Barclays, NatWest or the Bank of England
Eligibility Criteria
- You are self-employed as a sole trader, a general, limited or limited liability partnership (LLP), or a limited company registered with Companies House in the UK
- You must be at least 18 & have a UK residential address
- Your annual turnover must be less than £2 million
- Businesses with PO box or mailbox addresses not accepted
- Not suitable for large volumes of cash & cheques
Wise Business Account
- Monthly FeeFree
- Card PurchasesFree
- Bank Transfers65p
- OverdraftNo
- AccessApp/Online
Product Features
- No monthly fee just a one-off £45 account opening fee
- Earn interest up to 5.08% on USD, GBP & EUR, with instant access
- Hold money in more than 40 currencies & convert or send from 0.43% fees
- Choose from integrations with Xero, QuickBooks, FreeAgent & more
- Not covered by the FSCS, but protection offered on investments & savings with Wise Assets
Eligibility Criteria
- You are either a sole trader or freelancer, or your business is a limited company, partnership, charity or trust - registered in the UK, European Economic Area (EEA), USA, Canada, Switzerland, Australia or New Zealand
- You are 18 or over