Best Online Business Accounts in the UK

Finding the best online business account in the UK means comparing providers by features, fees, account protections and how well they fit the way your business gets paid.

In this guide, we’ve compared the features and fees of five online business account providers in the UK: Tide, Starling Bank, Revolut Business, ANNA and Wise Business so that you can compare them and make an informed decision.

Discover Wise Business →

Disclaimer: The UK Wise Business pricing structure is changed on 26/11/2025. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

Provider features, fees, eligibility checks, protections, integrations, account limits and timelines mentioned in this comparison may vary by customer, business type, application outcome, plan and country. Check each provider's website and terms and conditions for the most accurate and up-to-date information.

Best online business accounts in the UK: Provider summary

Tide Business Account

Tide offers a free business account with no monthly fee, alongside several paid plans which add features, automation and higher limits. Fees, limits and features may vary depending on eligibility and usage.

Features

Fees

Starling Business Account

The Starling business account gives you an online way to manage business finances. After applying, eligible customers can get a Starling business card to make payments and withdraw cash from the account.²

Features

For international payments, Starling says SWIFT payments can take anywhere up to three working days, depending on the country and currency.⁷

Fees

The Starling business and sole trader account is listed as free of charge.² Optional fees include the Business Toolkit, bulk payments, CHAPS payments and Post Office cash services.⁸

Revolut Business Account

Revolut Business offers tiered plans for businesses that want account features, cards, payment tools, transfers and currency management.⁹

Revolut lists Basic at £10 per month, Grow from £30 per month and Scale from £90 per month. Additional transfers, FX outside plan allowances and ATM withdrawals may carry separate charges.⁹

ANNA Money Business Account

ANNA is aimed at small businesses, startups and sole traders that want an account and admin tools in one place.¹⁰

Its features include mobile setup, invoicing and admin tools, tax and receipt features, cash deposits through PayPoint, international business payments, team access and expense cards. ANNA offers PAYG and paid plans, with plan limits and charges depending on usage.¹⁰

Discover Wise Business

Wise Business offers a multi-currency business account that helps UK businesses manage money domestically and globally.

With Wise Business, you can:

• 🌍 Send money to 70+ countries and pay overseas invoices at the mid-market exchange rate with low, transparent fees and no hidden exchange rate markups (product availability varies by region)
• 📥 Receive payments in 24 currencies and counting
• 💵 Get local account details for 8+ currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
• 💰 Hold money in 40+ currencies
• 🔁 Convert currencies anytime at the mid-market exchange rate with low, transparent fees
• ⚡ Use the batch payments tool to create and send up to 1,000 payments in a single transfer
• 👥 Run payroll and make international payments for up to 1,000 employees all over the world - including paying suppliers using local payment methods like ACH, SEPA, and Faster Payments
• 💳 Get business debit cards with 0.5% cashback for you and your team to keep track of team expenses and spend all over the world, with real-time visibility and categorisation. See full cashback terms and conditions
• 🏢 Manage cash in 55+ currencies across international offices from a single business account and move money between business accounts in seconds (exact speeds can vary depending on individual circumstances and may not be the same for all transactions)
• 🧾 Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
• 🔐 Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
• 📑 Create custom professional invoices and schedule invoice payments for future dates
• 📈 Earn variable returns on GBP, USD and EUR with Wise Interest (Growth not guaranteed. Your balance will go down in the event of a government default or interest rates going negative.)
• 🔗 Create payment links and QR codes to get paid easily (Card payment acceptance for new Wise Business customers is currently unavailable. Payment methods subject to eligibility and availability.)
• ⚙️ Automate payouts with the Wise API (comes with 24/7 customer support, a sandbox account to test integrations, API tokens, and clear documents on how to implement and make the most of our API)

Make the wise choice when selecting a business account for your domestic and global needs.

Be Smart, Get Wise.

Register for Wise Business ✍️

Wise Business offers a free Essential plan for basic spending and transferring. If you need to receive money, set up direct debits, or generate invoices, you'll pay a one-time £50 setup fee to unlock the Advanced features.

Wise Interest disclaimer: Growth not guaranteed. Your balance will go down in the event of a government default or interest rates going negative. Taxes may apply. 3.32% variable rate on GBP is based on 7 day performance as of 05 Aug 2026. For full 5-year past performance and fund information, visit https://wise.com/interest. Investments are offered by Wise Assets UK Ltd. (FRN 839689)

Is Wise Business an alternative to Starling Business?

It can be an alternative for some businesses, particularly those managing multiple currencies or international payments. Wise Business is not a bank account, (but it has many similar features) so it doesn’t offer the same product or protections as Starling Bank, but customer money is safeguarded.

Whether Wise Business is an alternative to Starling Business will depend on your business needs and what you’re looking for from an account. Starling may be a good choice for sole traders as they have a specific Business and sole trader account.

But if you’re looking for a way to help you manage your money at home and abroad, with volume discounts on monthly transfers over 20,000 GBP or equivalent, Wise could be a smart alternative.

Always check eligibility, protection, transfer fees, monthly costs and included allowances before deciding which is the best option for you and your business.

Sources used in this article:

1. Tide - Business current account
2. Starling - Starling business bank account
3. Tide - Tide Smart account
4. Tide - Tide Pro account
5. Tide - Tide Max account
6. Starling - Starling euro and US dollar business accounts
7. Starling - International transfer times
8. Starling - Fees, rates and charges
9. Revolut Business - Pricing plans
10. ANNA - Business account pricing and features

Sources last checked: 14-Aug-2026