Provider profileLast checked 8 November 2026
Starling Bank business account
A UK bank business account with no monthly fee, free UK payments, euro and US dollar accounts and 24/7 support.
- Cheapest plan
- £0 a month
- Available in
- UK
- Your money
- Bank · FSCS cover
What it is
Starling Bank Limited, authorised by the PRA and regulated by the FCA and PRA (registration number 730166).
How your money is protected
Eligible deposits are protected up to £120,000 by the FSCS.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
UK limited companies and LLPs registered at Companies House whose persons of significant control are UK-resident individuals (no corporate shareholders), and UK sole traders who aren't in a partnership. The applicant must be 18 or over. General partnerships and charities that aren't limited companies aren't supported.
Headline fees
| Fee | Detail |
|---|---|
| Monthly fee | None for opening or operating the account |
| UK payments | No charge for Faster Payments, standing orders and Direct Debits |
| CHAPS | £20 per payment |
| International payments | Outbound exchange rate plus a 0.4% conversion fee |
| Moving money to your euro or US dollar account | 0.4% conversion fee |
| Card spending and ATM withdrawals abroad | No Starling fee; Mastercard exchange rate applies |
| Cash deposits at the Post Office | 0.7% or £3, whichever is higher |
| Tap to Pay (accepting cards) | 1.6% per transaction, no monthly subscription |
| Bulk Payments | £7 a month |
Limits worth knowing
- No interest is paid on the account balance.
- Sole trader accounts don't offer arranged overdrafts.
- ATM withdrawals: up to six a day, with a £300 daily limit.
How it compares
Read our full comparison of Incard and Starling Bank business account. See all the accounts we've researched.
Our pick for card spendIncard: 1% cashback on ads, software and travel, on a £0 plan
Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.
Read Incard vs Starling BankWork out your cashbackCheck eligibility
We may earn a commission if you apply.
- a month on the Free plan, with team cards
- £0
- cashback on ads, software and travel; 0.5% on other eligible spend
- 1%
- IBANs in three currencies
- GBP, EUR, USD
Check Starling Bank business account's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
Sources
All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.