Business current account
Business banking for sole traders
Plate spinning, juggling, putting out fires; it’s fair to say that life as a sole trader can be a bit of a balancing act.
So whether you’re self-employed or happily side-hustling, we’ve built an award-winning sole trader account to save you time and money while you run the show – and (here’s the best part) it’s free.
Apply for an account in minutes and connect with your accounting software or invest in a Sole Trader Toolkit to tackle the numbers directly from your bank account, on desktop or mobile.
Has your business been affected by coronavirus? Read about support options available.
Why it’s the best sole trader bank account
A free sole trader bank account, in minutes.
No fussy forms, no waiting around. Get to business now with a simple in-app application and no monthly fees.
Chat to our all-human, all-UK-based team in-app or on the phone. If you’re working, so are we.
Instant payment alerts.
Client payment? Networking lunch? Get real-time alerts as soon as money enters or leaves your account.
Buried in receipts? There’s an easier way. Stay organised by capturing them in-app as you go.
Automate your expenses.
We’ll automatically put your expenses into business categories to simplify your self-assessment tax return.
Connect to business tools.
Link your account to other services, such as accounting software or insurance, through our Marketplace.
A flexible overdraft.
Use the slider to adjust how much you need – or don’t use it at all. Sometimes it’s just nice to know it’s there.
Space to separate overheads.
Business trips. Tax. A new laptop. Whatever’s coming up, keep it to one side in Goals.
Cash and cheque deposits.
Deposit cash easily at your local Post Office, and deposit cheques of £500 or less via the Starling app. When we said you wouldn’t miss branches, we meant it.
All of Starling’s accounts are protected and supported by world-class security and 24/7 customer service - plus your money is protected up to £85,000 by the Financial Services Compensation Scheme.
We’ll give you an estimation of how much tax you should be saving and create a report to help you fill in your self-assessment form.
Send and manage invoices.
Create invoices that automatically match when you get paid and send them seamlessly by connecting to your email.
Tick off your bookkeeping to do list.
Stay on top of your financial admin with a tick-list of everything outstanding that you need to do.
Keep track of bills.
Upload invoices when you receive them and schedule payments to go out in the future, to help you manage your cash flow.
Sort your VAT.
If you’re VAT registered, record VAT on your transactions, see how much you’re owed or owe and submit it through our HMRC Making Tax Digital-compliant software.
Toolkit could be great for you if you...
Feel overwhelmed by admin.
Spend less time sorting through invoices and receipts – and more on what you’re good at.
Want to keep everything in one place.
Manage things like bookkeeping, bills and VAT conveniently and for a fair price, directly from your bank account.
Like the idea of automated bookkeeping.
But don’t want the expense or commitment of a separate accountancy package.
Ready to switch to Starling?
We take the hassle out of switching banks. With just a few taps in the app, you can let us know you're ready to make the move, and we'll take care it from there. Our switching service is simple, completed in seven working days and covered by the Current Account Switch Guarantee.
Meet our sole traders
From leatherworkers to web designers, we love helping our sole traders fly. Meet a few of them below...
Many a happy customer
We think we have the best sole trader current account, but don’t just take our word for it. We’ve been reviewed thousands of times on Trustpilot. Our customers think we’re “the best bank bar none”, “a true breath of fresh air”, and “freaking love” us.