Join the Best Business Current Account provider, and you'll get:


18 months free day-to-day business banking

If your small to medium sized business is in its first year of trading, has up to 2 directors, owners (shareholders) or partners and this is its first business current account with us, you could be eligible for 18 months free business banking.

After this free business banking period, you’ll move to our Business Current Account £7.50 tariff.


0.10% gross/AER (variable) on any credit balances


cheque book and Visa debit card

This account is for small-to-medium sized businesses with up to two directors, owners (shareholders) or partners, trading less than 12 months and opening its first Santander Business Current Account.

If you own an established business, take a look at our Business Current Account or our 1|2|3 Business Current Account

If you are, or have applied to become a Payment Service Provider, please go to the Payment Service Provider page to find out more about the services available and how to make contact with a Santander Relationship Director.

Also included:


contactless payments with your Visa contactless debit card or with your mobile by linking your Santander debit card to your Apple, Android or Samsung device


depositing and issuing cheques




Direct Debits, standing orders, bill payments


Bacs credits

debit card payments

Charges apply to non-standard transactions such as change-giving, CHAPS payments and foreign currency transactions. 

A daily limit applies to cash machine withdrawals and a transaction limit applies to faster payments. Please see the Key Facts Document for full details.


Find out how much you could save

Managing your account

You choose how you bank with us:

Online Banking

Secure, 24/7 banking. Make payments, view statements and much more

Mobile Banking

Bank on the go with our Mobile Business Banking app

Free text and email alerts

Set up free alerts to let you know when your balance goes above or below specified amounts and get weekly balance alerts

Telephone Banking

Call us on 0800 731 6666 8am to 9pm Monday to Friday and 8am to 2pm Saturdays

Post Office

Pay in, withdraw cash, deposit cheques and more at participating Post Office branches nationwide


Business overdrafts (there are fees associated with your overdraft)

As part of your application, you can apply for a business overdraft from £500 to £25,000 (subject to acceptance). There is an Arranged Overdraft annual fee of 1% of the agreed overdraft (minimum fee £50). The Arranged Overdraft interest rate and Representative rate is 5.75% EAR (variable) (Bank of England base rate plus 5%) and the Unarranged Overdraft interest rate is 25.75% EAR (variable) (Bank of England base rate plus 25%). The unpaid item fee is £15. 

How to apply

You can apply for a Start-Up Business Current Account if:

  • your business is in its first year of trading and opening its first business current account with us
  • you are aged 18 or over
  • you have a UK registered business
  • your business has up to two directors, owners (shareholders) or partners
  • you are either a sole trader, or your business is a partnership, limited liability partnership, private limited company, or a trust

Please read the important information below before applying

Visit our site
Visit our site

Go to the Santander website

Call us
Call us

0800 068 7010

Your branch
Your branch

See if there's a Business Relationship Manager to help you.

Find a branch

Important information

Subject to availability and may be withdrawn without notice at any time.

AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year. The gross rate is the interest rate that we pay where no income tax has been deducted. Interest is calculated daily and paid monthly. Rates may change. EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our Terms and Conditions.

Information is correct as of 4 October 2018.