Opening a business bank account is one of the first jobs on the list when you start a business. But with so many banks shouting about free features and best-in-class offers, it can be hard to know where to begin.
This guide keeps things simple. We are looking at the best startup business bank accounts in the UK for 2026. You will find a clear comparison of the three top options: Starling, Monzo and TSB. Whether you want speed, smart tools or in-person support, we will help you choose the right fit for your new business.
Why You Need a Business Bank Account
Let’s start with the basics. If you are a limited company, you must have a separate business account. It is a legal requirement. Even if you are a sole trader, keeping your personal and business finances apart makes everything a lot easier.
Having a dedicated business account helps you:
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Keep your records tidy and clear
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Make tax returns and HMRC checks simpler
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Look more professional to customers and suppliers
What to Look for in a Startup Business Bank Account
Think about how you work before choosing a bank. Do you need to send invoices? Take payments in person? Travel abroad for work? The best account for you depends on what your business needs day to day. Here are a few things to look out for:
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Monthly cost: Some are free, others charge for extras
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Easy access: A good app, quick setup and helpful support make life smoother
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Payments and features: Can you pay abroad? Can you set up Direct Debits?
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Is your money safe? Look for FSCS protection just in case anything goes wrong
Top 3 Business Bank Accounts for Startups in 2026
Let’s take a closer look at three of the best startup business bank accounts in the UK. We have included two app-based options and one more traditional high street choice.
1. Starling Bank – A Great All-Rounder
Starling is a popular pick for small business owners and freelancers.
Why it stands out:
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No monthly charges
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Fast setup in the app
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Real-time spending alerts
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Pay in cash at Post Office branches
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Support available any time through live chat
Things to consider:
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You pay if you want more than one person to access the account
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No physical branches if you prefer face-to-face help
Best for:
Startups that want a smart, flexible digital account with no monthly fees
2. Monzo Business – Ideal for App Lovers
Monzo started with personal banking but now offers business accounts too. If you like doing everything on your phone, this one is worth a look.
Why it stands out:
Clear budgeting and expense tools
Instant alerts when money comes in or out
Separate pots for savings and tax
Invoice tools included
One month free on the Pro plan
Things to consider:
Most useful features are in the £9 a month plan
No option to visit a branch if you need help in person
Best for:
People who want one powerful app to manage all their business money in one place
Want a bonus for signing up?
If you are thinking about Monzo, you can use our referral link here. It will deposit £50 into your account once you have joined. You can then choose Monzo’s Pro plan, which includes six months of Xero for free.
3. TSB Business Plus – A Solid Traditional Option
If you like the idea of a bank you can walk into, TSB is a strong pick. It offers a mix of everyday business banking with friendly support on the high street.
Why it stands out:
30 months of free everyday banking for new businesses
Local branches if you need to deal with cash or cheques
Help and guidance from staff who understand small business
FSCS protection up to £120,000 per eligible depositor
Things to consider:
The sign-up process can take longer
Not as many digital tools as the app-first banks
Best for:
New businesses that value in-person help and want a name they recognise
Quick Comparison Table
| Feature | Starling | Monzo | TSB Business Plus |
|---|---|---|---|
| Monthly Cost | £0 | £0 (basic) or £9 (Pro) | £0 for 30 months |
| Mobile App | Excellent | Excellent | Basic |
| In-Person Banking | No | No | Yes |
| FSCS Protection | Yes | Yes | Yes |
| Best For | All-round use | App lovers | Traditional support |
Which Business Bank Account Should You Go With?
If you’re just starting out, the choice can feel overwhelming – but it doesn’t have to be.
Think about how you like to manage money.
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Want everything on your phone with smart tools and no fuss? Starling or Monzo could be ideal.
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Prefer talking to someone in person now and then? TSB is a safe, reliable bet.
There’s no perfect account, just the one that fits your way of working. The good news? All three are strong choices for startups – and switching later is always an option if your business outgrows your first pick.
Next up? Once your account is sorted, make sure you [get your bookkeeping in place – link to guide] so your finances stay simple from day one.
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