How to choose a
business bank account
We already think we’re the best bank for business,
but we want to help you make an informed choice.
450,000+
Businesses bank with Starling
How do I compare business bank accounts?
Comparing business bank accounts can often take hours of research, and as a business owner you probably don’t have time for that, do you? That’s why we’ve decided to do some of the hard work for you.
Use our table to compare business bank accounts from a variety of providers, including high-street banks and other challengers. See how Starling’s business account compares against the other banks when it comes to areas such as customer support, fees, features, payments and borrowing.
After all, it’s always great to have options.
Feature |  StarlingBusiness Current Account |  MonzoMonzo Business Lite |  RevolutBusiness Account (Basic) |  TideBusiness Bank Account (Free) |  NatWestBusiness Current Account |  BarclaysBusiness Account |  HSBCBusiness Banking Account |  Royal Bank of ScotlandBusiness Current Account |  Lloyds BankBusiness Account |
|---|---|---|---|---|---|---|---|---|---|
Account fees | |||||||||
Effective Annual Account Fee | £0 | £0 | £120 | £0 | £0 | £102 | £120 | £0 | £120 |
BACS Payment Fee £ | £0 | not stated | £0.20 | £0.20 | £0.35 | £0 | £0 | £0.35 | £0.15 |
ATM UK £100 Withdrawal Cost | £0 | £0 | £2 | £1 | £0.35 | £0 | £0 | £0.35 | £0 |
Number of Free Faster Payments per month | unlimited | unlimited | 10 | 5 | 0 | unlimited | unlimited | 0 | 100 |
Faster Payments Charge £ | £0 | £0 | £0.20 | £0.20 | £0.35 | £0 | £0 | £0.35 | £0 |
Protection and support | |||||||||
Compensation Scheme | FSCS | FSCS | FSCS | FSCS | FSCS | FSCS | FSCS | FSCS | FSCS |
24 Hour Telephone Banking |  | |  | | | | | | |
24 Hour App Live Chat Banking | | | | | | | | | |
Current Account Switch Service | | | | | | | | | |
Good for business | |||||||||
Accountancy Software Integration | Xero QuickBooks FreeAgent | not applicable | Sage Xero QuickBooks | Sage Xero QuickBooks FreeAgent | FreeAgent | QuickBooks | Sage | FreeAgent | not applicable |
Making Tax Digital Software | | | | | | | | | |
Multi Director Access | | | not stated | | | | | | |
Categorise Business Spending | view change | view | view | view change | view change | not applicable | view | view change | view change |
Capture Receipts | | | | | | | | | |
Made for payments | |||||||||
Cash Deposits | | | | | | | | | |
App Cheque Imaging | | | | | | | | | |
App- Limit Per Cheque £ | £1000 | £500 | not applicable | £500 | £5000 | £5000 | £5000 | £5000 | £20000 |
Mobile Payments | Google Pay Apple Pay Samsung Pay | Google Pay Apple Pay | Google Pay Apple Pay | Google Pay Apple Pay | Google Pay Apple Pay | Google Pay Apple Pay | not stated | Google Pay Apple Pay | not stated |
Help for cashflow | |||||||||
Overdraft Facility | | | | | | | | | |
Savings Pots | | | | | | | | | |
For going international | |||||||||
ATM World £100 Cost | £0 | £0 | £2 | £2.75 | £2.75 | £2.75 | £4.50 | £2.75 | £4.25 |
Debit World £100 Cost | £0 | £0 | not stated | £1 | £2.75 | £2.75 | £2.75 | £2.75 | £2.75 |
USD account available | | | | | | | | | |
EUR account available | | | | | | | | | |
Euro Payment (SEPA) £100 cost | £0.70 | not stated | £5 | £2.50 | £0.35 | £0.35 | £0.24 | £0.35 | £15 |
Last updated: 19th October 2026.
The above data is based on entry level business accounts. Some banks or organisations offer these features through a third-party e.g. offering loans through an external provider.
This table represents features directly available via each specific bank or organisation.
Like what you see?
Apply for a Starling business account today and enjoy
app-based banking at its best.