Compare business bank accounts

While we think Tide’s free business bank account is the best option for small and scaling businesses, it doesn’t hurt to do some research. Luckily, we’ve done it for you – compare business bank accounts in minutes, using our table below.

Open an account

	Tide (Free)	Monzo (Lite)	Starling (Free)	Revolut (Basic)	Mettle (Free)	Santander (Business Current Account)	Barclays (Startup account)	Lloyds (Startups and SMEs)	HSBC (Kinetic)
ACCOUNT FEATURES
Free business bank account	check_circle	check_circle	check_circle	check_circle	check_circle	Free for 18 months for startups, then £7.50/mo	Free for 12 months, then £8.50/mo	Free for 12 months, then £8.50/mo	Free for 12 months, then £6.50/mo
Quick, easy account set-up	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle
No monthly fees	check_circle	check_circle	check_circle	check_circle	check_circle	cancel	cancel	cancel	cancel
100% online	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle
FSCS protection (up to 85k)	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle
24/7 in-app chat support	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle
Switch service	check_circle	check_circle	check_circle	check_circle	cancel	check_circle	check_circle	check_circle	check_circle
Accounting integrations	check_circle	cancel	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle
ACCOUNT FEES
Internal account transfers	Free	Free	Free	Free	Free	Free	Free	Free	Free
Instant UK bank transfers	20p	Free	Free	10/mo, then 20p	Free	Free	Free	100 free/mo, then 20p	Free
UK card transactions	Free	Free	Free	1% + 20p	Free	Free	Free	Free	Free
Payments abroad	1.75% fee	1% fee	1% fee	£5 fee	cancel	2.95% of the value	2.75% of the value	2.75% of the value	2.75% of the value
ATM withdrawals	£1	Free	Free	2% fee	Free	Free	Free	Free	0.60% of the value withdrawn
Cash deposits at the Post Office	£2.50 (0.5% of value on deposits over £500)	£1	£3	cancel	Free	Free up to £1k then 70p per £100	60p per £100	£1.50 for every £100	1.50% of value deposited
Cash deposits at a PayPoint	3%	£1	cancel	cancel	Free	Free up to £1k then 70p per £100	60p per £100	£1.50 for every £100	1.50% of value deposited
Replacement cards	Free	2 Free, then £5	£5	£5	£5	Free	Free	Free	Free
GET PAID
Invoicing	3 free/mo	cancel	cancel	cancel	check_circle	cancel	check_circle	check_circle	cancel
POS card machines	From £59	cancel	cancel	From £49	cancel	cancel	From £15/mo + VAT	From £49	cancel
Tap to Pay	Only on iPhone	check_circle	check_circle	Only on iPhone	cancel	cancel	check_circle	check_circle	cancel
Payment links	check_circle	check_circle	check_circle	check_circle	cancel	check_circle	cancel	check_circle	cancel
International payments	check_circle	check_circle	check_circle	check_circle	cancel	check_circle	check_circle	check_circle	check_circle
PAYMENTS
Virtual debit card	check_circle	cancel	cancel	check_circle	cancel	check_circle	check_circle	check_circle	check_circle
Apple/Google pay	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle
Scheduled payments	check_circle	check_circle	cancel	check_circle	check_circle	check_circle	check_circle	check_circle	check_circle
Receipt capture	check_circle	check_circle	check_circle	cancel	check_circle	cancel	check_circle	check_circle	cancel
Auto-categorisation of income and expenses	check_circle	check_circle	check_circle	cancel	check_circle	cancel	check_circle	check_circle	check_circle
Team expense cards	£5/mo	cancel	cancel	£5/mo	cancel	cancel	check_circle	cancel	cancel
GROW AND SCALE
Business savings	Instant access account up to 4.22% AER variable	Savings pot 1.50% AER variable	cancel	cancel	Savings pot 1.46% AER variable	Business Everyday Saver 1.00% AER (variable)	Business Premium Account up to 1.81% AER (variable)	Instant Access Account up to 1.92% AER (variable)	HSBC Kinetic - Savings account up to 1.79% AER (variable)
Business loans	check_circle	check_circle	check_circle	cancel	cancel	check_circle	check_circle	check_circle	check_circle
Accounting software	From £9.99/mo + VAT	cancel	From £7/mo	cancel	check_circle	cancel	cancel	check_circle	cancel
Register a business with Companies House	£14.99	cancel	cancel	cancel	cancel	cancel	cancel	cancel	cancel

*Last updated 8th May 2025

Our plans at a glance

Whether you’re just starting out, or want tools and features to save you time and help you grow, Tide has your business covered. Sign up for one of our paid plans today and get 3 months free*.