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17 products

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    • Best Overall
      Virgin Money logo

      Virgin Money M Account for Business

      • Monthly Fee
        Free
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Online
    • Best Overall
      Virgin Money logo

      Virgin Money Business Current Account

      • Monthly Fee
        25 months free, £6.50 thereafter
      • UK Bank Transfers
        Free for 25 months
      • Overdraft
      • Access
        App, Online, Branch
    • 1 more from Virgin Money
    • Best For Branch Banking
      HSBC logo

      HSBC Small Business Banking Account

      • Monthly Fee
        12 months free*, £8 thereafter
      • UK Bank Transfers
        Free payments online, direct debits & internal transfers
      • Overdraft
      • Access
        App, Branch, Online
    • Access to discounted services via key partners, worth over £5000**
      Barclays logo

      Barclays Business Bank Account (<£400k turnover)

      • Monthly Fee
        12 months free, £8.50 thereafter
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Branch, Online
      Access to discounted services via key partners, worth over £5000** **Terms and conditions apply per partner, see partner website for details.
    • Access to discounted services via key partners, worth over £5000*
      Barclays logo

      Barclays Start-up Business Bank Account

      • Monthly Fee
        12 months free, £8.50 thereafter
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Branch, Online
      Access to discounted services via key partners, worth over £5000* *Terms and conditions apply per partner, see partner website for details.
    • Access to discounted services via key partners, worth over £5000**
      Barclays logo

      Barclays Business Bank Account (£400k+ turnover)

      • Monthly Fee
        12 months free, £8.50 thereafter
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Branch, Online
      Access to discounted services via key partners, worth over £5000** **Terms and conditions apply per partner, see partner website for details.
    • 2 more from Barclays
    • Get 1 month free
      Best Online
      Monzo logo

      Monzo Business Pro Account

      • Monthly Fee
        1 month free, £9 thereafter
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Online
      Get 1 month free Only sole traders or limited company directors in the UK can apply. T&Cs apply
    • Monzo logo

      Monzo Business Lite Account

      • Monthly Fee
        Free
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Online
    • 1 more from Monzo
    • Tax Calculation & Filing from £3 p/m
      ANNA Money logo

      ANNA Money - Business

      • Monthly Fee
        £14.90
      • UK Bank Transfers
        50 free per month, 20p thereafter
      • Overdraft
      • Access
        App, Online
      Tax Calculation & Filing from £3 p/m for 3 months. £24 p/m thereafter. Calculate and file your taxes automatically. Best for limited companies
    • Tax Calculation & Filing from £3 p/m
      ANNA Money logo

      ANNA Money - Big Business

      • Monthly Fee
        £49.90
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Online
      Tax Calculation & Filing from £3 p/m for 3 months. £24 p/m thereafter. Calculate and file your taxes automatically. Best for limited companies
    • Tax Calculation & Filing from £3 p/m
      ANNA Money logo

      ANNA Money Pay as you go

      • Monthly Fee
        Free
      • UK Bank Transfers
        29p
      • Overdraft
      • Access
        App, Online
      Tax Calculation & Filing from £3 p/m for 3 months. £24 p/m thereafter. Calculate and file your taxes automatically. Best for limited companies
    • 2 more from ANNA Money
    • Get £150 cashback when you open a Tide business bank account
      Tide logo

      Tide Business Bank Account

      • Monthly Fee
        Free
      • UK Bank Transfers
        20p
      • Overdraft
      • Access
        App, Online
      Get £150 cashback when you open a Tide business bank account - Complete the application and spend £500 within 60 days of opening an account and Tide will give you £150 cashback. Enter code 150BOOST when you sign up. T&Cs apply.
      Copy offer code
    • No Credit Checks
      Zempler Bank (formerly Cashplus) logo

      Zempler Bank Business Go Account

      • Monthly Fee
        Free
      • UK Bank Transfers
        3 free per month, 35p thereafter
      • Overdraft
      • Access
        App, Online
    • Free everyday digital business banking + access to selected Clover payment terminals for £1 a month*
      Best For Charities
      The Co-operative Bank logo

      The Co-operative Bank Business Bank Account

      • Monthly Fee
        Free
      • UK Bank Transfers
        Free
      • Overdraft
      • Access
        App, Branch, Online
      Free everyday digital business banking + access to selected Clover payment terminals for £1 a month* Apply online. Charges apply for cash and cheque transactions & other special services. Subject to status, eligibility and T&Cs. *For the first 12 months (fees apply)
    • Free banking on everyday transactions for the first 2 years
      NatWest logo

      NatWest Start-up Business Bank Account

      • Monthly Fee
        Free
      • UK Bank Transfers
        Free for 2 years, fees apply thereafter
      • Overdraft
      • Access
        App, Online
      Free banking on everyday transactions for the first 2 years Available for businesses trading for <1 year with a turnover of <£1m that are registered for income or corporation tax in the UK. Other fees & charges may apply. Standard Tariff applies after the free banking period. To apply you must be 18+, owner or director of the business and can’t have been declared bankrupt or received a County Court Judgement or Court Decree.
    • Free accounting software available to business account holders
      Bank of Scotland logo

      Bank of Scotland Switcher Account

      • Monthly Fee
        12 months free, £8.50 thereafter
      • UK Bank Transfers
        100 electronic payments out free per month
      • Overdraft
      • Access
        App, Branch, Online
      Free accounting software available to business account holders You must be registered for Business Internet Banking or Commercial Banking Online. UK based businesses only
    • Free accounting software available to business account holders
      Bank of Scotland logo

      Bank of Scotland Start Up Account

      • Monthly Fee
        12 months free, £8.50 thereafter
      • UK Bank Transfers
        100 electronic payments out free per month
      • Overdraft
      • Access
        App, Branch, Online
      Free accounting software available to business account holders You must be registered for Business Internet Banking or Commercial Banking Online. UK based businesses only
    • 1 more from Bank of Scotland

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. Use the sorting options at the top of the comparison table to order by other criteria.

Learn about sole trader business bank accounts

Last updated on 04 July 2024.

Jump to a topic:

What is a sole trader bank account?

A sole trader bank account is a business account for sole traders. If you are a freelancer or self-employed – meaning you’re solely responsible for your business’s success, and haven’t set up a limited company for your work – then you’re a sole trader. This means you could benefit from a sole trader bank account.

Many banking providers allow sole traders to open standard business bank accounts, which offer features such as:

  • first (bank transfers)
  • cash deposits
  • overdraft facilities
  • accounting software integration
  • dedicated help and support

But some banks may also offer accounts specifically designed for sole traders, with helpful tools if you’re going it alone, including bookkeeping services and automatic invoice creation.

You can open a sole trader business bank account with a high street bank, or through online-only challenger banks and app-based platforms that offer business current accounts.

Whether you are a sole trader or a limited company, our Nerds have provided information and reviews of business banking providers in order to help you understand some of the key factors to consider when choosing an account that suits your business needs. See our business bank account page to learn more about how to choose a business bank account, as well as features, types, charges and more.