Business accounts for start ups

We understand how daunting starting your own business can be, that's why we'll give you 18 months free day-to-day banking (see what's included below) so you can spend less time worrying about your banking and more time building your business.

Reasons to choose our Start Up Account for your business

  • 18 months free day-to-day banking
  • Support from a relationship team
  • Free Square Reader to take card payments easily. And pay no fees on your first £1,000 of sales
  • Grow your business with specialist support from Enterprise Nation and Funding Options
  • Pay in cash and cheques at any Post Office counter - it will take an additional day to reach us
  • Manage your account online, over the phone or through our extensive branch network

Account features

Free day-to-day banking can make all the difference to a new business. It makes sure that every single penny you earn goes towards creating a successful business.


  • Banking on your doorstep - we have a large branch network in the UK, so there should always be one nearby.
  • Banking at the Post Office - pay in cash and cheques at any Post Office counter. Payments take an additional business day to reach us.
  • Banking on your computer - our Internet Banking service is currently used by over half of our business customers.
  • Banking on your mobile - receive daily updates on your account balance via our Text alerts service.
  • Banking on your phone - speak to a business advisor who can deal with your account queries and requests using our Internet Banking demo service.

During the first 18 months you will not be charged for:

  • paying in or taking out cash
  • paying in or issuing cheques
  • paying standing orders and direct debits
  • unlimited deposits and withdrawals
  • no minimum account balance required

All we ask is that you operate your account within agreed limits, for example not going overdrawn without prior agreement.

See our fees for services not covered by free banking


Once your free banking period ends, you have the option of moving to one of our alternative tariffs. Which one is best for your business will depend on the number and type of transactions you typically do.

Fixed Fee Account

Simply pay a fixed monthly fee for a certain number of transactions - with five levels to choose from to suit your needs. And if those needs change, you can simply change your plan.


Business Extra Tariff

Pay individual charges per transaction instead of a fixed monthly fee. This tariff is suitable for customers who use large cash transactions.


Electronic Business Tariff

If you use electronic or automated ways of banking you can benefit from lower charges for those types of transactions. You pay per transaction and not a fixed monthly fee.

Minimum balance of £1 applies.




With a TSB business account you can access your money when it's convenient for you:

  • Visit one of around 550 high street branches. Find your nearest one
  • Visit one of the 11,500 Post Office branches to deposit cash or cheques. Find your nearest one.
  • Manage your money 24/7 with our Internet Banking service
  • Speak to a Business Advisor by calling 0345 835 3858 
  • Receive account updates via text alerts. Find out how

Check you're eligible

When you apply you need to confirm that:

  • You are a sole trader, partner or director
  • You are aged 18 or over
  • You require the account for business use
  • You have read the Terms and Conditions

Start your application for our new Business current account. 
Before you start, please note that we are currently not taking applications for current accounts for businesses partially or fully owned by another business (i.e. you have a shareholder that is another business rather than individuals only). Or if you are a club, charity, society or trust. We will open this up to these type of businesses soon, so please watch this space.

Useful documents

Please find  key documents and further information on our legal page.

Business debit card

Our Business Debit Card gives you a quick, easy and cost-effective way to settle your day-to-day business expenses. 

Key features:

  • No annual fee
  • Withdraw money from a cash machine
  • Save on cheque transaction charges


Speak to a Relationship Manager on 0345 835 3858.

Telephone Banking


Find your nearest branch or cash machine using our Branch Locator tool.

Find branches