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Start-up Business Current Accounts

Free business banking to help get your business off to the best start

Unlimited day-to-day transactions and no hidden charges

We understand that when you're starting up in business the last thing you want to worry about is your current account. So we've made it simple: you could get up to 18 months’ free business banking with our Start-up Business Account if your business is in its first year of trading with an annual turnover of less than £250,000 and you’re opening your first business current account.

Why choose our Start-up Business Current Account?

  • Free and unlimited1 day-to-day banking: free Direct Debits, standing orders, cheque deposits and withdrawals, Debit card payments, cash withdrawals and BACS credits
  • Manage your monthly outgoings: there are no charges for standard banking (only non-standard transactions2), allowing you to allocate funds where needed
  • Easy account access: via secure Online, Mobile and Telephone Banking, ATMs and over 11,500 Post Office® branches3
  • Support from a Local Business Manager: face-to-face expert support and solutions to help your business
  • Online business guides: free start-up business support available 24/7
  • Free alert notifications via e-mail or text when you register for Online Banking and access to important e-Documents, such as statements, which may also include important regulatory and account information
  • Card acceptance terminals: a range of terminals available through specialists iZettle and Elavon, to allow your customers to pay you by card.


Apply now




You can apply for one of our business accounts if your annual turnover is less than £250,000. This must be your first business current account and your business must be in its first year of trading and registered in the United Kingdom. All account operators must be at least 18 years of age and permanently live in the United Kingdom.

Which Start-up Business Current Account is right for me?

The options below will help you understand the best Start-up Business Current Account for you.

Pick your Start-up Business Current Account and apply online today





Free banking period

12 months

18 months

Additional requirements


Santander personal
current account



Apply now

At the end of your Start-up Business Current Account free banking period you will benefit from straightforward banking as you automatically move to our Business Current Account (£7.50 tariff). If you feel another tariff would be better, we will be happy to arrange a transfer for you.

To open your Start-up Business Current Account with us, apply online today.


Important information

1 Daily transaction limits may apply, for example, but not limited to, ATM withdrawals. Please see our Interest Rates & Fees Information and Card User Guides.
2 In addition to your monthly fee you will also pay for non standard charges. For example CHAPS, Change Giving and other transactions not covered by the monthly fee.
3 Services and opening hours for individual post office branches within the Post Office Network may vary.