Business current account
The award-winning business bank account
Business banking – but not as you know it. Apply for a free digital business account in minutes and join over 300,000 UK businesses who have changed the way they bank.

Less admin. More control.
Say hello to Britain’s Best Business Banking Provider 2020.

There’s a faster, easier way to stay on top of your business’s finances. Apply for an account in minutes to get your Mastercard debit card, plus:

An easy-to-use business account stacked with powerful money management tools. All with no monthly fees or UK payment charges.

Free 24/7 UK support via app, phone or email, with fast response times and help from real humans.

A fully regulated UK bank account, where your money’s covered up to £85,000 by the Financial Services Compensation Scheme.

An easy life. If you want us to, we’ll move all your banking over for you through the Current Account Switch Service (all it takes is a few taps in-app).
Most banks charge fees for what limited companies get for free with Starling business. Give our comparison table a quick scan to see for yourself.
"No monthly fees means business banking is one less thing to worry about."


Business banking, your way
Choose a feature-packed business account with no monthly fees, and add on bespoke subscriptions to power your business, your way.
Original free business account
£0/month
- Sole traders
If you are a sole trader you can open a sole trader account if you first open a personal current account and meet our eligibility criteria (including the nature of your business - as outlined in our terms and conditions)
- Limited Companies and Limited Liability Partnerships (including startups)
- Companies with multiple PSCs / Directors
Multiple Directors (registered at Companies House) can access the account, but we can’t yet provide access to third parties (e.g. accountants) or other team members (e.g. finance teams or assistants)
Good for business
- Free access to multiple directors
Directors must be registered at Companies House.
- Integration with Xero
From the Starling Marketplace, you can integrate Xero with your business account (note: if you do this, you won’t need our Toolkit add-on).
- Integration with QuickBooks
From the Starling Marketplace, you can integrate QuickBooks with your business account (note: if you do this, you won’t need our Toolkit add-on).
- Integration with FreeAgent
From the Starling Marketplace, you can integrate FreeAgent with your business account (note: if you do this, you won’t need our Toolkit add-on).
- Integration with other business services
Connect to some of the world’s best business products and services to create your own in-app financial hub.
- Automated business spending categorisation
Get a breakdown of your company’s spending, organise your outgoings and store receipts.
- Receipt capture
Keep your files in order by adding digital receipts to payments.
- CBILS overdraft
Get access to government backed overdrafts with CBILS. We provide access to CBILS overdraft finance from £50,001 up to £150,000 for limited companies and Limited Liability Partnerships.
- CBILS and BBLS loans
Get access to government backed BBLS and CBILS loans. For eligible businesses, we provide loans of £2,000 to £50,000 with BBLS, and loans of £50,001 to £250,000 with CBILS.
Starling best-loved
- Free UK current account from a regulated bank
No monthly fees on opening a business account. Starling Bank is a fully-licensed bank.
- Mobile application in minutes
Applying for a business account can be done in a matter in minutes from your mobile phone.
- FSCS Protection up to £85,000
All of Starling’s eligible accounts are protected up to £85,000 by the Financial Services Compensation Scheme.
- Mobile and online banking
Access and manage your business account from the app or through online banking.
- 24/7 customer support
Free 24/7 UK support via app, phone or email, with fast response times and help from real humans.
- Free ATM withdrawals
Starling will not charge a fee when you withdraw money from an ATM. You can make up to six withdrawals per day, with a daily limit of £300, regardless of what currency you are withdrawing.
- No fees abroad
Starling will not charge you for card payments or ATM withdrawals when you’re abroad.
- Card security controls
In-app card locking and personalised card settings.
- Saving Spaces
Separate spaces for separate costs. Set things like tax and overheads to one side.
Made for payments
- Free UK bank transfers
No payment charges on UK bank transfers. You can make a domestic bank transfer (we are part of the UK’s Faster Payments network) of up to £25,000 per transaction in your app / online banking, and an international bank transfer of up to £10,000 per transaction.
- International payments
Fast and secure money transfers to bank accounts in 38 countries worldwide, with no hidden fees.
- Apple, Google, Samsung and Garmin Pay
Pay on the go with Apple, Google, Samsung and Google Pay.
- Managed scheduled payments
See all your scheduled payments in one place and get notified when they’re due to go out.
- Instant payment notifications
Get notified instantly when you pay or get paid, and get a reminder the day before payments are due.
- Cash deposits at the Post Office
Deposit up to £20,000 cash at the Post Office for a 0.3% charge per deposit, with a minimum £3 fee.
- In-app and freepost cheque deposits
Deposit cheques up to £500 digitally in-app, for free. Cheques above £500 can be sent to us via Freepost. If you’d prefer to send your cheque via recorded or signed for delivery, please send it to: Brunel House, 2 Fitzalan Road, 5th Floor, Cardiff, CF24 0EB, Wales. We don’t issue chequebooks.

Customise it with add-ons
Design the account that’s right for you, by signing up the services your business actually needs. Add on as many as you like, through the app.
The Business Toolkit
Streamline your bookkeeping with the Business Toolkit
£7/month inc. VAT
- Create, send and match invoices in a matter of clicks
- HMRC tax calculation, tax report, and automated savings
- Record VAT and submit MTD VAT return
- Best for freelancers and sole traders
Euro business account
A euro bank account for UK businesses
£2/month
- Exchange and hold euros
- Local account details to make and receive local payments for free
- Spend for free on card like a local using your regular business card
US dollar business account
A US dollar business account in the UK
£5/month
- Hold, send and receive dollars
- Get local account details, for easier, cost-free payments.
- Use your regular business card; no need to faff around with two.
Spending, simplified
- Instant payment notifications. Get notified the second you pay or get paid, and get a reminder the day before payments are due.
- Spending analytics. Break down your monthly spending and automatically sort it by category.
- Digital receipts. Keep your files in order by adding digital receipts to payments.
- Separate spaces for separate costs. Set things like tax and overheads to one side.
"I really love Goals. I separate money for paying my intern or events or tax."

Everything you need, under one roof
- Integrate with accounting tools. Connect to Xero, FreeAgent or Quickbooks to get the full picture and save time.
- A competitive overdraft. Adjust your overdraft up to £150k in-app (subject to eligibility). Our competitive rates beat all the major banks (true as of 10.08.2020).
- Deposit cash. Deposit up to £20,000 cash at the Post Office for £3, and cheques digitally in-app, for free.
- Pay people easily with a tap. No card readers or PINS required.
- Multi-director access. Easily add directors and people of significant control to your account.
"I like the transparency and simplicity of Starling. I can send an invoice and immediately see when it’s been paid."

Fast, friendly help. Whenever you need it.

Always open
Day or night; we’re open 24/7 to lend a hand.

Always human
Speak to real UK-based humans.

Always fast
Save time with quick response times via app, phone or email.

Always free
All service is priority service at Starling.