Skip to main content
Personal Business
Business Accounts
Compare business bank accounts

Business bank accounts

Business banking with the original ethical bank

All of our business bank accounts benefit from:

  • Free accountancy software integration

  • Free access to our payment request tool Go Get Paid

  • Discounted optional payment solutions through Clover

  • Optional arranged overdraft

Smartphone depicting the functionality of the Co-operative Bank business banking mobile app
Trustpilot

Standard business bank accounts

You can compare our Business Bank Account, Business Bank Account Plus and Business Directplus accounts’ fees and charges on our comparison table.

Business Bank Account

No monthly fee

For startups and small businesses that bank digitally

  • No monthly fee

  • Free automated debit and credits, debit card purchases, ATM withdrawals and manual credits

  • Discounted payment terminals, free Go Get Paid access and accountancy software integration

View Business Bank Account

Business Bank Account Plus

Exclusive benefits

For established and growing businesses

  • Monthly fee of £10

  • Free automated debit and credits, debit card purchases, ATM withdrawals and manual credits

  • Discounted payment terminals, free Go Get Paid access and accountancy software integration

  • Get a Business Plus Instant Access savings account with an exclusive interest rate

  • Up to £70 Love2Shop voucher when purchasing an eligible business insurance policy through our insurance partner

  • No arrangement fee for overdrafts up to £25,000

View Business Bank Account Plus

Business Directplus

For businesses of all sizes and entity types

  • Free monthly service charge for the first 30 months, then £7 thereafter

  • Free automated credits and manual credits, debit card purchases and cash withdrawals

  • Discounted payment terminals, free Go Get Paid access and accountancy software integration

View Business Directplus

Specialist business bank accounts

You must meet the eligibility requirements for these account types.

Federation of Small Businesses (FSB) account

Only for FSB members

Only for Federation of Small Business members

  • No monthly fee

  • No arrangement fees on overdrafts

  • Lower banking fees

View Federation of Small Businesses (FSB) account

Charity and Community Bank Account

For registered charities, co-operatives, credit unions and community-interest companies

  • No monthly service fee

  • Eligible to apply for grants from the customer donation fund

  • Discounted payment terminals, free Go Get Paid access and accountancy software integration

View Charity and Community Bank Account

Compare our accounts

We have excluded our Charity and Community Bank Account and Federation of Small Businesses account from this table as they have additional eligibility requirements.

Account feature Business Bank Account Business Bank Account Plus Business Directplus
Monthly Fee No monthly fee £10 Free for the first 30 months, then £7 thereafter
Automated Debits & Credits Free Free Free
Cash paid in or out at branch 
£1.50 per £100 
75p per £100 £1,000 free per charging period and 80p per £100 thereafter
Cheques paid in/issued £1.50 each 75p each 25 free per charging period and 75p each thereafter
Savings accounts 
Optional Business Plus Instant Access savings account with an exclusive interest rate 
Optional
Overdraft Optional Optional, no arrangement fee for overdrafts up to £25,000 Optional
Business Insurance Optional Optional. Up to £70 Love2Shop voucher when purchasing an eligible insurance policy through our preferred insurance provider (eligibility and T&Cs apply) Optional
View account View Business Bank Account View Business Bank Account Plus View Business Directplus

  • Need a more detailed comparison?

    Our handy guide can help you make an informed decision about what account is right for you.

The following business current accounts are no longer available as of 31 March 2025

Cash Tariff

Cash Tariff PDF

Standard Tariff

Standard Tariff PDF

Business account terms and conditions

Business account terms and conditions PDF

Continue a business account application

Sole traders, single directors, and limited companies (multiple directors), partnerships and limited liability partnerships with 10 or less key individuals.

Continue an application

Limited companies (multiple directors), partnerships and limited liability partnerships with 11 or more key individuals

Continue an application

Charities, co-operatives, credit unions and community-interest companies

Continue an application

Switch to us for value-added benefits and services with the original ethical bank

Our Current Account Switch Service makes switching your account simple, fast and free.

Learn how toswitch your business accountto us.

Current Account Switch Guarantee logo
Find out more about Financial Services Compensation Scheme | This will open in a new tab

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.