Compare business bank accounts
 Tide (Free) |  Santander (Business Current Account) |  Monzo (Lite) |  Starling (Free) |  Revolut (Basic) |  Mettle by NatWest (Free) |  Barclays (Startup account) |  Lloyds (Startups and SMEs) |  HSBC (Kinetic) | |
|---|---|---|---|---|---|---|---|---|---|
Free business bank account | Free for 12 months for startups, then £9.99/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 and easy | |||||||||
No monthly fees | |||||||||
100% online | |||||||||
FSCS protection (up to 120k) | |||||||||
24/7 in-app chat support | |||||||||
Switch service | |||||||||
Accounting integrations | |||||||||
Internal account transfers | Free | Free | Free | Free | Free | Free | Free | Free | Free |
Instant UK bank transfers | 20p | Free | Free | Free | 10/mo, then 20p | Free | Free | 100 free/mo, then 20p | Free |
UK card transactions | Free | Free | Free | Free | 1% + 20p | Free | Free | Free | Free |
Payments abroad | 2.75% fee | 2.95% of the value | 1% fee | 1% fee | £5 fee | 2.75% of the value | 2.75% of the value | 2.75% of the value | |
ATM withdrawals | £1 | Free | Free | Free | 2% fee | Free | Free | Free | 0.60% of the value withdrawn |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) | Free up to £1k then 70p per £100 | £1 | £3 | Free | 60p per £100 | £1.50 for every £100 | 1.50% of value deposited | |
Cash deposits at a PayPoint | 3% | Free up to £1k then 70p per £100 | £1 | Free | 60p per £100 | £1.50 for every £100 | 1.50% of value deposited | ||
Replacement cards | Free | Free | 2 Free, then £5 | £5 | £5 | £5 | Free | Free | Free |
Invoicing | 3 free/mo | ||||||||
POS card machines | From £59 | From £49 | From £15/mo + VAT | From £49 | |||||
| Only on iPhone | Only on iPhone | |||||||
Payment links | |||||||||
International payments | |||||||||
Virtual debit card | |||||||||
Apple/Google pay | |||||||||
Scheduled payments | |||||||||
Receipt capture | |||||||||
Auto-categorisation of income and expenses | |||||||||
Team expense cards | £5/mo | £5/mo | |||||||
Business savings | Instant access account up to 4.5% AER variable* | Business Everyday Saver 1.00% AER (variable) | Savings pot 1.50% AER variable | Savings pot 1.46% 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 | |||||||||
Accounting software | From £13.99/mo + VAT | From £7/mo | |||||||
Register a business with Companies House | £14.99 |
*Last updated 8th May 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
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.
Our plans at a glance
Free
£0.00MONTHLY
- ❌ Unlimited free transfers
- ✔️ International payments
- ✔️ Up to 2.52% on savings
- ❌ Enhanced team access
- ❌ Phone support
- ❌ Legal helpline
- ❌ 0.5% cashback with your Tide card
Smart
£12.49MONTHLY
- ❌ 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
Pro
£24.99MONTHLY
- ✔️ 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
Max
£69.99 MONTHLY
- ✔️ Unlimited free transfers
- ✔️ International payments
- ✔️ Up to 3.86% on savings
- ✔️ Enhanced team access
- ✔️ Phone and dedicated member support
- ✔️ Legal helpline
- ✔️ 0.5% cashback with your Tide card