Business eligibility
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Business banking
Digital Business Bank Accounts
Digital business accounts can be useful for sole traders, freelancers and small companies that want faster setup, app tools, invoicing, accounting integrations or international payments.
Last updated: 16 September 2026
At a glance
12 providers compared for business banking
- Business eligibility
- Account fees
- Tools and integrations
What this page is
- Helps readers compare banks for business banking using features, fees, protection and practical fit.
- Highlights watch-outs and links to wider comparison pages before readers choose a provider.
What this page is not
- Does not provide personalised financial advice or guarantee eligibility for any account or product.
- Does not replace checking live provider rates, fees, terms and protection wording before applying.
Quick answer
Starling is a strong all-round digital business account, Monzo is useful for simple app-based business banking, Zempler is focused on small business tools, Revolut is strong for international businesses, and Wise is useful for multi-currency payments.
Before you compare
What to compare first
Before looking at individual banks, check the features, fees and limitations that matter most for this type of account.
Account fees
Compare monthly costs, transfer fees, cash deposits, card fees and international charges.
Tools and integrations
Look for invoicing, accounting exports, team access, spending controls and tax support.
Support and protection
Check support channels, complaint handling and whether deposits are FSCS protected.
Compare the providers
Banks to compare
Review each bank's strengths, limitations and key checks for this guide. The order does not imply an overall ranking.
Atom Bank
Also compare for business banking
Atom is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeN/ASavingsUp to 4.75% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Chase UK
Also compare for business banking
Chase is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFreeSavings2.25% AER standard; 4.50% AER boosted
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Kroo
Also compare for business banking
Kroo is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFreeSavings2.65% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Monese
Also compare for business banking
Monese is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFree simpleSavingsCheck provider
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Monzo
Simple app-based business banking
Monzo Business can suit sole traders and small businesses that want a clear app, tax pots and simple business tools.
Monthly feeFree accountSavingsUp to 3.65% AER
Watch
Growing businesses may need more advanced features later.
Revolut
International business features
Revolut Business is useful for businesses that handle currencies, international payments or global spending.
Monthly feeFree standardSavingsRates vary
Watch
Pricing and allowances depend on plan choice.
Starling Bank
All-round digital business banking
Starling has a strong business and sole trader account range, plus optional business tools for admin, invoicing and bookkeeping.
Monthly feeFreeSavings4.00% AER introductory
Watch
Some business tools may require paid add-ons.
Tandem
Also compare for business banking
Tandem is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeFreeSavingsUp to 4.90% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Tide
Business admin and payment tools
Tide combines a ClearBank business account route with invoicing, payment collection, accounting connections and a free monthly plan.
Monthly feeFree planSavingsUp to 4.00% intro
Watch
Tide is not itself a bank; account provider, protection and usage charges need checking.
Wise
Multi-currency business payments
Wise Business is strong for international receiving details, currency conversion and cross-border payments.
Monthly feeFreeSavings3.32% fund yield (not AER)
Watch
It is not a full UK business bank in the traditional sense.
Zempler Bank
Small businesses and credit building
Zempler is focused on business accounts for sole traders, freelancers and micro-businesses, with clear tiers and practical tools.
Monthly feeFree freedomSavingsShown in app
Watch
It is more business-focused than personal-banking focused.
Zopa
Also compare for business banking
Zopa is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Monthly feeN/ASavingsUp to 4.65% AER
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Final checks
What to check before choosing
- Check monthly fees and included payments.
- Check accounting integrations and invoicing tools.
- Check cash deposit options if you take cash.
- Check international payment and currency conversion costs.
FAQs
Frequently asked questions
Quick answers before you compare banks.
How should I use this business banking guide?
Starling is a strong all-round digital business account, Monzo is useful for simple app-based business banking, Zempler is focused on small business tools, Revolut is strong for international businesses, and Wise is useful for multi-currency payments.
Compare banks →What should I check before choosing?
Check monthly fees and included payments. Check accounting integrations and invoicing tools. Check cash deposit options if you take cash.
Continue researching →How does BankAdvisor compare banks?
For business banking, we compare providers using practical checks such as business eligibility, account fees, tools and integrations, and support and protection, alongside the provider information in our reviews.
Read how we review banks →Are the banks listed fairly?
Yes. The business banking cards above are ordered to help you compare strengths, limitations and key checks — not to rank one provider above another.
Compare the full list →Continue researching
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Use the full comparison table to compare fees, protection, savings, travel and everyday features.