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Current Accounts

Clear upfront costs

Best Business Current Account Provider

Taking care of business customers is a priority for us. We've been awarded Best Business Current Account Provider by Moneyfacts for the last 14 years and we're committed to working even harder to make our award-winning accounts even better. So if you're a small to medium sized start-up or established business with up to two directors, owners (shareholders) or partners, we've got a business current account for you.

Start-up Business Current Account

Ideal if you're starting up in business

You could get up to 18 months free banking if your business is in its first year of trading and this is its first Business Current Account with us.

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Business Current Account

Ideal if you're established in business

Our Business Current Account gives you straightforward everyday banking for a fixed monthly fee.

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Client Current Account

For professional practices that hold money on behalf of clients

Free day-to-day business banking to allow you to manage your clients’ money separately from your own. This account is available to existing Santander Business Current Account customers.

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Corporate & Commercial Banking

We also offer a Corporate & Commercial Banking service for medium to large sized businesses with more comprehensive or international banking needs

We could help you manage your money with sector specialists and dedicated international specialists to help support your business' overseas growth plans. Please visit Corporate & Commercial Banking or read our guide to understand which option is best for your business.

Business Banking awards over the years

Business Banking awards over the years


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Frequently asked questions

    • Sole traders

    • Partnerships

    • Limited Liability Partnerships

    • Private Limited Companies

    • Trusts


    Your business must have up to two directors, owners (shareholders) or partners.


    If you would like a relationship managed service or have comprehensive banking, international business or larger lending needs, please visit Corporate & Commercial Banking.

  • If you already have a Business Current Account with us, you can apply for an overdraft if:

    • you have a good credit history and haven’t been declared bankrupt or had an Individual Voluntary Arrangement in the last 6 years (either the company, owners, partners or directors) 

    • you haven't been a disqualified director or a director of a failed business within the last 6 years


    Apply online
    If your business has up to two directors, owners (shareholders) or partners, you can apply online


    Apply by phone
    Call us on 0800 313 4481. Lines are open Monday to Friday 8am to 6pm.


    Apply in branch
    To see if a Local Business Manager is available to support you, contact your local branch

  • We take your Business Current Account fee automatically from your account on the monthly anniversary of the day your account was opened. For example, if your account was opened on 15th January, your account will automatically be debited on the 15th of every month, or the nearest working day after.

  • To change your account details you will need to complete and return the Change of Details form. Once complete please return the form to Santander Business Banking, Bridle Road, Bootle L30 4GB. If you require assistance with your request please call the Business Banking contact centre on 0800 731 6666. Lines open 8am to 9pm Monday to Friday and 8am to 2pm on Saturdays.


    If your business is a Club or Society, you’ll need to complete the Change of Details form for Clubs and Societies.

  • No, providing you repay any outstanding overdraft(s) on your previous account(s) as required by your old bank or building society. If there are any problems with payments (as part of the switching process) your new bank or building society will correct them and ensure your credit rating is not affected.

  • Can't find what you are looking for? Find more on the Business Current Accounts Help and Support page.

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Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.