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Please note that this tool does not constitute advice, always review all tariffs before making a decision.
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You can also compare all of our accounts by using our comparison table.
Business bank accounts
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We also provide specialist accounts for members of the Federation of Small Businesses or a community or charity organisation.
Business Bank Account
For start ups and growing businesses that bank digitally
Business Directplus
For businesses of all sizes that occasionally pay in cash or cheques
Banking limits and a minimum balance applies.
Federation of Small Businesses (FSB) account
Only for Federation of Small Business members
Charity and Community Bank Account
For registered charities, co-operatives, credit unions and community-interest companies
Compare our business bank accounts
Please note, we have excluded our Charity and Community Bank Account and Federation of Small Businesses account from this table as they have additional eligibility requirements.
For our Business Directplus account, banking limits and a minimum balance applies.
Business bank accounts no longer available
The following business current accounts are no longer available as of 31 March 2025
Cash Tariff
Standard Tariff
All of our accounts benefit from:
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Free access to Digital Banking
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Free accountancy software integration
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Access to our Business Tools
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Optional arranged overdraft
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Optional savings accounts
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Easy and free switching
Continue a business account application
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Sole traders, single directors, and limited companies (multiple directors), partnerships and limited liability partnerships with 10 or less key individuals
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Limited companies (multiple directors), partnerships and limited liability partnerships with 11 or more key individuals
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Continue with a charities, co-operatives, credit unions and community-interest companies application
Already have a business current account somewhere else?
The Current Account Switch Service makes switching your account simple, fast and free.
Learn how to switch your business account to us.
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with The Co-operative Bank and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Please read further information on the FSCS scheme here or visit their website.
Our service quality information
The Financial Conduct Authority requires us to publish information about our business current accounts. View our business current account service quality information.