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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
Tide (Free)
Monzo
Monzo (Lite)
Starling
Starling (Free)
Revolut
Revolut (Basic)
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Mettle (Free)
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Santander (Business Current Account)
Barclays
Barclays (Startup account)
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Lloyds (Startups and SMEs)
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HSBC (Kinetic)

ACCOUNT FEATURES

Free business bank account

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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

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No monthly fees

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100% online

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FSCS protection (up to 85k)

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24/7 in-app chat support

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Switch service

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Accounting integrations

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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0.60% of the value withdrawn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

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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

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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

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POS card machines

From £59

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From £49

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From £15/mo + VAT

From £49

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Tap to Pay

Only on iPhone

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Only on iPhone

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Payment links

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International payments

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PAYMENTS

Virtual debit card

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Apple/Google pay

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Scheduled payments

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Receipt capture

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Auto-categorisation of income and expenses

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Team expense cards

£5/mo

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£5/mo

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GROW AND SCALE

Business savings

Instant access account up to 4.38% AER variable*

Savings pot 1.50% AER variable

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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

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Accounting software

From £9.99/mo + VAT

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From £7/mo

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Register a business with Companies House

£14.99

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*Last updated April 2025

Charlotte Davitt-MillsShotley Vineyard

Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business

Try a paid plan for free

Sign up for one of our paid plans today and get 3 months free*. You’ll unlock more features to better manage your finances, like expense cards and free transfers, with even better service.

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Why Switch to Tide? 

  • Make manual admin a thing of the past – use the Current Account Switching Service to move your existing business account to Tide effortlessly.

  • Switching is completely free, and Tide takes care of everything, so you don’t have to.

  • Simply enter your old bank details – the rest is handled automatically, reliably, and without hassle.

Switch to Tide

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*.

Tide Mastercard in blue

Free

£0.00+ VAT MONTHLY

Open a free account
  • Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 3.04% on savings
  • Enhanced team access
  • Phone support
  • Legal helpline
  • 0.5% cashback with your Tide card
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Smart

£12.49+ VAT MONTHLY

Smart account
  • Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 3.55% on savings
  • ✔️ Enhanced team access
  • ✔️ Phone support
  • ✔️ Legal helpline
  • 0.5% cashback with your Tide card
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Pro

£24.99+ VAT MONTHLY

Pro account
  • ✔️ Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 4.07% on savings
  • ✔️ Enhanced team access
  • ✔️ Phone support
  • ✔️ Legal helpline
  • 0.5% cashback with your Tide card
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Max

£69.99 +VAT / month

Max account
  • ✔️ Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 4.38% on savings
  • ✔️ Enhanced team access
  • ✔️ Phone and dedicated member support
  • ✔️ Legal helpline
  • ✔️ 0.5% cashback with your Tide card
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We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1 million sole traders, freelancers, and limited companies worldwide.

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