# TillRadar

> TillRadar (tillradar.co.uk) tracks welcome offers and fees on UK business bank accounts for sole traders and limited companies, and explains Making Tax Digital and running a small online business. Every offer shows the date it was checked against the provider's own terms. Written by Greg Ciupek; published by JG INVEST P.S.A. Data as of 20 October 2026, offers last checked 19 October 2026.

Sources and rules: amounts, deadlines and conditions come from each provider's offer page and terms; fees from the provider's published tariff. TillRadar is not authorised by the Financial Conduct Authority and does not give financial advice. How the site is funded: https://tillradar.co.uk/how-we-make-money/

This is the full version with the data itself. Site map: https://tillradar.co.uk/llms.txt

## Live business account offers (28)


### Lloyds Bank Business Account + Xero — £200 bonus plus 6 months free

https://tillradar.co.uk/#offers

- Summary: Xero free for 6 months, plus a £200 Amazon gift card after the first paid Xero month (month 7). Provided by Xero.
- For: Sole traders, Limited companies
- Ends: 31 March 2027
- Eligibility: UK business customers with turnover up to £3m. Charity and Community Accounts and Secondary Accounts are excluded. New Xero customers only (no previous trial or subscription). Not for accountants or bookkeepers buying for clients.
- Protection: FSCS protected (bank)
- Provider terms: https://www.lloydsbank.com/business/business-accounts/startup-small-businesses/business-account-offer.html
- Checked: 19 October 2026

Conditions:
1. Open a qualifying Lloyds Business Account: a new customer (including switchers), or an existing customer opening an account for a new business.
2. Buy your first Xero subscription as a new Xero customer through the link Lloyds emails you, by 23:59 on 31 March 2027. The 6 free months cover Simple, Ignite, Grow, Comprehensive and Ultimate.
3. Connect the Lloyds account to Xero within 7 months of subscribing.
4. For the £200 Amazon gift card, pay the first monthly Xero fee (month 7) on a plan other than Simple, then redeem within 30 days of Xero's email.

### Santander UK Business Current Account – Classic + Xero — £200 bonus plus 6 months free

https://tillradar.co.uk/#offers

- Summary: Xero free for 6 months, plus a £200 gift card (choice of 10 retailers, such as Amazon or John Lewis) after the first paid Xero month (month 7). Provided by Xero.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Santander business current account holders who are new Xero customers. One gift card per customer.
- Protection: FSCS protected (bank)
- Provider terms: https://www.xero.com/uk/legal/terms/santanderoffer
- Checked: 19 October 2026

Conditions:
1. Activate the offer in Santander Online/Mobile Banking under 'Beyond Banking offers' > 'Accounting with Xero', using the account's registered business email.
2. Be a new Xero customer and remain one for 7 consecutive months.
3. Connect the Santander business bank feed within 7 months.
4. Be on a paid Ignite, Grow, Comprehensive or Ultimate plan in month 7. Simple is excluded.
5. Redeem the gift card within 30 days of Xero's email (sent about 10 days after the month-7 payment).

### Lloyds Bank Business Account — £200 bonus

https://tillradar.co.uk/#offers

- Summary: £200 cash 'boost' for new Lloyds business customers who apply online by 30 November 2026, spend £100 on the Visa debit card and set up 2 direct debits by 15 February 2027. Full CASS switchers also qualify.
- For: Sole traders, Limited companies
- Ends: 30 November 2026
- Eligibility: Sole traders, owners or directors aged 18+ who are UK residents with a UK mobile number, applying for a UK business with a UK trading address and turnover of £3m or less. Ltd companies must be UK-registered. Not available if you already hold a Lloyds Bank or Bank of Scotland Business Account. One payment per customer; Charity and Community Accounts are excluded.
- Protection: FSCS protected (bank)
- Provider terms: https://www.lloydsbank.com/business/business-accounts/startup-small-businesses/business-account-offer.html
- Checked: 19 October 2026

Conditions:
1. Submit an online application for a new Lloyds Business Account between 16 October and 30 November 2026. Saved or incomplete applications don't count.
2. By 15 February 2027, spend at least £100 on eligible purchases with the Visa debit card. Cash, transfers, gambling, financial services, crypto and refunds are excluded.
3. By 15 February 2027, set up two direct debits from the new account. Direct debits moved by a CASS switch count.
4. Lloyds pays £200 into the Business Account by the end of March 2027, and the account must still be open.

### Revolut Business account (Basic, Grow, Scale) — £200 bonus

https://tillradar.co.uk/#offers

- Summary: £200 welcome bonus for new UK Revolut Business customers who sign up via a partner promo landing page and add at least £0.01 by 31 December 2026.
- For: Limited companies, Sole traders
- Ends: 31 December 2026
- Eligibility: Business customers resident in England, Scotland or Wales who have never held a Revolut Business account with any Revolut group entity. The business must meet Revolut Business Terms: a registered company, or a new sole trader. There is no free plan; Basic costs £10/month.
- Protection: FSCS protected (bank)
- Provider terms: https://www.revolut.com/legal/influencer-topup-getcashback/
- Checked: 19 October 2026

Conditions:
1. Open the Revolut Business account via the promotion landing page or partner link. Normal in-app sign-up does not qualify.
2. Pass KYC/KYB checks and be onboarded.
3. Top up the account with at least £0.01 by 31 December 2026.
4. The cashback is credited within five business days after the end of the Promotion Period (per the influencer promotion terms).

### Tide Business Current Account + Tide Instant Saver — £200 bonus

https://tillradar.co.uk/#offers

- Summary: £200 reward for new Tide members who use code TIS200 and hold at least £10,000 in the Tide Instant Saver for 30 consecutive days.
- For: Sole traders, Limited companies
- Ends: 19 December 2026
- Eligibility: New Tide members. Tide accepts sole traders and limited companies. Tide's help page says directors may have a home address 'in the UK or overseas', but sole traders need a UK home address. All applicants need a UK mobile number.
- Protection: FSCS protected (bank)
- Provider terms: https://www.tide.co/terms/tis200-tnc/
- Checked: 19 October 2026

Conditions:
1. Sign up for a Tide Business Current Account with promo code TIS200. The code can also be applied in the app within 1 week of opening.
2. Complete KYC and open the account between 1 May 2025 and 19 December 2026.
3. Fund the Tide Instant Saver with at least £10,000 (one or more payments) within 30 days of account opening.
4. Keep a balance of £10,000 or more for at least 30 consecutive days.
5. Keep an active Tide membership until the reward is paid, which takes up to 8 weeks after the criteria are met.

### Zempler Bank (formerly Cashplus) Business Go account + Zempler company formation — £100 bonus

https://tillradar.co.uk/#offers

- Summary: £100 reward when you register a new limited company through Zempler, open Business Go and load £100 within 30 days. This effectively refunds the £100 Companies House fee.
- For: Limited companies
- Ends: no end date stated
- Eligibility: New limited companies formed through Zempler; applicants who have never had a Zempler/Cashplus account.
- Protection: FSCS protected (bank)
- Provider terms: https://zemplerbank.com/media/qpadgt5j/formations-offer-terms-feb-26.pdf
- Checked: 19 October 2026

Conditions:
1. Register the new company on Companies House through Zempler's company formation service and pay the £100 incorporation fee.
2. Apply for a Business Go account through formations.zemplerbank.com and have it approved and opened.
3. Credit the account with at least £100 within 30 days of opening.
4. Keep the account active until the reward is paid, which can take up to 30 days.

### Countingup business account + company formation — £100 bonus

https://tillradar.co.uk/#offers

- Summary: The £100 Companies House fee is reimbursed if you form your company through Countingup and spend £100 on the Countingup card within 30 days of opening.
- For: Limited companies
- Ends: no end date stated
- Eligibility: Active Countingup customers who are UK residents.
- Protection: FSCS protected (bank)
- Checked: 19 October 2026

Conditions:
1. Register the company through Countingup and pay the £100 Companies House fee upfront.
2. Open a Countingup account.
3. Spend £100 on the Countingup card within 30 days of opening.

### Tide Business Account — £50 bonus

https://tillradar.co.uk/#offers

- Summary: £50 cashback when you spend £100 on the Tide card within 30 days of opening, using a valid partner promo code from Tide's published list.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: New Tide members only, one reward per business, fair-use T&Cs apply.
- Protection: FSCS protected (bank)
- Provider terms: https://www.tide.co/terms/promotional-offer-terms-and-conditions-50cashback
- Checked: 19 October 2026

Conditions:
1. Sign up for a Tide Business Account, pass KYC and open the account during the promotional period.
2. Apply a valid partner promo code during sign-up, or within 7 days of sign-up. Codes are listed on tide.co/terms/tide-partnerships-50cashback-promo-codes/; the newest found is LAUNCH2027 (start 13/10/2026).
3. Spend at least £100 with eligible merchants within 30 days of account opening.
4. Keep the Tide membership active. Payout takes 6-8 weeks after the criteria are met.

### Zempler Bank (formerly Cashplus) Zempler business current account — £50 bonus

https://tillradar.co.uk/#offers

- Summary: £50 welcome gift when you apply from Zempler's deposit-offer page and deposit £250 within 30 days.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: New applicants who have never opened an account with Zempler Bank or Cashplus Bank. One reward per account. Zempler requires at least one UK-resident director.
- Protection: FSCS protected (bank)
- Provider terms: https://www.zemplerbank.com/media/lllkic2a/terms-and-conditions-new-customer-offer-deposit-250-and-get-50.pdf
- Checked: 19 October 2026

Conditions:
1. Apply using an 'Apply' button on zemplerbank.com/landing/business/all/deposit-offer/ and have the account approved and opened.
2. Credit the account with at least £250 within 30 days of opening.
3. Keep the account active and compliant until the reward is paid, which can take up to 30 days after the deposit.

### Monzo Business account (any plan) — £50 bonus

https://tillradar.co.uk/#offers

- Summary: £50 for a new business that joins via an existing Monzo Business customer's referral link and makes a card payment within 30 days. The referrer also gets £50.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: The referred business must be new to Monzo Business and can claim once. Monzo Business accepts sole traders and Ltd directors whose business is UK-based and UK tax resident only.
- Protection: FSCS protected (bank)
- Provider terms: https://monzo.com/legal/files/business-referral-scheme/monzo-business-referral-scheme-1.4.pdf
- Checked: 19 October 2026

Conditions:
1. Get a referral link from an existing Monzo Business customer whose account has been open for at least 7 days.
2. Within 30 days of entering your mobile number: download the app, apply for a business account, add money and make a card payment (not ATM, transfer or virtual card).
3. Monzo may offer a higher amount at its discretion; the app confirms the actual bonus.

### Metro Bank Business Bank Account — 31 months free

https://tillradar.co.uk/#offers

- Summary: 31 months of free banking when you complete a full CASS switch to a Metro Bank Business Bank Account in store. Includes free cash transactions up to £10,000 and optional access to a 2.50% AER (variable) Business Instant Access rate.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: New and existing Metro Bank customers; once per business; not combinable with other offers.
- Protection: FSCS protected (bank)
- Provider terms: https://www.metrobankonline.co.uk/globalassets/bca-switcher-31-months-tcs.pdf
- Checked: 19 October 2026

Conditions:
1. Open a Metro Bank Business Bank Account in store, bringing the required documents.
2. Complete a full switch from an eligible bank using the Current Account Switch Service (CASS). Commercial, Community and Foreign Currency accounts are not eligible.
3. Free banking starts when the full switch completes. Fees incurred before that are still charged.
4. Optional: apply for the Business Instant Access enhanced rate within 30 days of the switch completing.
5. After 31 months the standard tariff applies, with 60 days' notice.

### TSB (part of Santander) Business Plus — 30 months free

https://tillradar.co.uk/#offers

- Summary: 30 months of free day-to-day banking, then £5 a month (waived with an average balance of £10,000+). Only for existing TSB customers.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Existing TSB customers only; new customers are directed to Santander's Business Current Account – Classic. Applicants must be 18+ and UK resident.
- Protection: FSCS protected (bank)
- Provider terms: https://www.tsb.co.uk/content/dam/tsb-public/documents/business/business-common/Business-Banking-Charges-Guide.pdf
- Checked: 19 October 2026

Conditions:
1. Hold a TSB business account, a TSB personal mortgage or an active TSB personal current account.
2. Keep the account within agreed limits and avoid unarranged overdrafts to keep the free period.
3. After 30 months: £5/month, and cash and cheques cost 70p per £100 or per cheque.

### The Co-operative Bank Business Directplus — 30 months free

https://tillradar.co.uk/#offers

- Summary: 30 months with no monthly account fee (normally £7) for new-to-bank customers who keep the balance above £1,000 at all times.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Sole traders, partnerships, LLPs and limited companies. You and key individuals must be 18+ and UK residents with a UK business address, with no CCJs, bankruptcy or IVAs in the last six years.
- Protection: FSCS protected (bank)
- Provider terms: https://www.co-operativebank.co.uk/pdfs/bank/business/currentaccounts/business-directplus-tariff.pdf
- Checked: 19 October 2026

Conditions:
1. Open a Business Directplus account as a new-to-bank customer.
2. Keep a credit balance above £1,000 at all times. If it drops below £1,000 in a charging period, the £7 fee and higher transaction charges (70p) apply for that period.
3. After 30 months the standard tariff applies (£7/month).

### Virgin Money (part of Nationwide) Business Current Account — 25 months free

https://tillradar.co.uk/#offers

- Summary: 25 months of fee-free banking for new businesses or businesses new to Virgin Money, then £6.50 a month. Also 0.35% debit card cashback, capped at £500 a year per card.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: New businesses or businesses new to Virgin Money with turnover under £6.5m: start-ups, sole traders, Ltd, LLPs and partnerships. The business must operate and be based in the UK (excluding the Channel Islands, Isle of Man and Northern Ireland).
- Protection: FSCS protected (bank)
- Provider terms: https://uk.virginmoney.com/downloads/pdf/business/business-banking-tariffs/business-banking-tariff-guide.pdf
- Checked: 19 October 2026

Conditions:
1. Open or switch to a Virgin Money Business Current Account.
2. A cash limit of £250,000 a year (paid in, paid out or exchanged) applies. International payments, CHAPS, extra services and borrowing are not covered.
3. After 25 months, £6.50/month is charged automatically.

### NatWest Business current account (full CASS switch) — 24 months free

https://tillradar.co.uk/#offers

- Summary: 2 years of free banking on everyday transactions for businesses with turnover up to £2m that switch using the full Current Account Switch Service.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Established businesses with annual turnover up to £2m switching a business current account from another provider. The switch offer is not available when switching a Royal Bank of Scotland or Ulster Bank business current account, or when switching from a personal account.
- Protection: FSCS protected (bank)
- Provider terms: https://www.natwest.com/content/dam/natwest/business/current-accounts/documents/natwest-business-account-charges.pdf
- Checked: 19 October 2026

Conditions:
1. Open a NatWest business current account.
2. Complete a full switch using the Current Account Switch Service. Partial switches don't qualify.
3. Free banking runs for 2 years from the date the switch completes. Not free: unarranged overdraft charges, Bankline, international payments and extra services. The Standard Charges apply afterwards.
4. For accounts opened on or after 20 April 2026, free banking stops if cash deposits exceed £200,000 in any 12-month period.

### NatWest Start-up Business Account — 24 months free

https://tillradar.co.uk/#offers

- Summary: 2 years of free banking on everyday transactions for start-ups.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Businesses started within the last 12 months with a projected or existing annual turnover not exceeding £1m.
- Protection: FSCS protected (bank)
- Provider terms: https://www.natwest.com/content/dam/natwest/business/current-accounts/documents/natwest-business-account-charges.pdf
- Checked: 19 October 2026

Conditions:
1. Open a NatWest Business Current Account or Foundation Account within 12 months of starting the business.
2. Free banking runs for 2 years from the date the account is opened; the Standard Charges apply afterwards.
3. For accounts opened on or after 20 April 2026, free banking stops if cash deposits exceed £200,000 in any 12-month period.

### Santander UK Business Current Account – Classic — 12 months free

https://tillradar.co.uk/#offers

- Summary: No monthly fee for the first 12 months for start-ups and full CASS switchers, then £9.99 a month.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: UK-registered businesses with up to 2 directors, owners (shareholders) or partners, all aged 18+ and living in the UK. The business must have no physical presence outside the UK.
- Protection: FSCS protected (bank)
- Provider terms: https://assets.santandermedia.com/adobe/assets/urn:aaid:aem:7dda1f16-7693-41a6-a66d-7e1061b53a5a/original/as/Business_Current_Account_Classic_Key_Facts_Document_ANBMC0867APR26PUBCDT.pdf
- Checked: 19 October 2026

Conditions:
1. Start-ups: the business must be in its first year of trading and this must be its first Santander business current account.
2. Switchers: switch using the Current Account Switch Service.
3. From month 13 the fee is £9.99/month.

### HSBC UK Small Business Banking Account + My Business Finances (Sage) — 12 months free

https://tillradar.co.uk/#offers

- Summary: 'My Business Finances powered by Sage' free for 12 months, then £5.99 + VAT a month, on HSBC's free Small Business Banking Account.
- For: Sole traders
- Ends: 30 June 2027
- Eligibility: Non-VAT-registered sole traders only. Account holders must be UK tax residents.
- Protection: FSCS protected (bank)
- Provider terms: https://www.business.hsbc.uk/en-gb/products/small-business-bank-account
- Checked: 19 October 2026

Conditions:
1. Open an HSBC Small Business Banking Account.
2. Sign up to My Business Finances by 30 June 2027.
3. After 12 months the fee is £5.99 + VAT/month.

### Metro Bank Business Bank Account — 12 months free

https://tillradar.co.uk/#offers

- Summary: 12 months of fee-free business banking for new-to-bank businesses, with no switch needed.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: The business entity must not have held a Metro Bank business account in the last 24 months. Turnover up to £2m a year (per the offer page). Once per business entity; not combinable.
- Protection: FSCS protected (bank)
- Provider terms: https://www.metrobankonline.co.uk/globalassets/new-bba-12-months-ntb.pdf
- Checked: 19 October 2026

Conditions:
1. Open a Metro Bank Business Bank Account, bringing the required documents.
2. The 12 months start on the account opening date; standard fees apply afterwards, with 60 days' notice.

### Barclays Business Current Account — 12 months free

https://tillradar.co.uk/#offers

- Summary: No monthly account fee for the first 12 months, then £8.50 a month.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Only if you do not already have a Barclays Business Account. Applicants 18+.
- Protection: FSCS protected (bank)
- Provider terms: https://www.barclays.co.uk/business-banking/accounts/rates-and-charges/
- Checked: 19 October 2026

Conditions:
1. Open a Barclays Business Current Account.
2. Digital banking is free only for simple electronic payments as defined in the tariff; other tariff fees apply.
3. From month 13 the monthly fee is £8.50.

### Barclays Business Current Account + Sage Accounting — 12 months free

https://tillradar.co.uk/#offers

- Summary: Sage Accounting (or Sage Accounting Sole Trader) free for 12 months, then 50% off.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Barclays business current account holders.
- Protection: FSCS protected (bank)
- Provider terms: https://www.barclays.co.uk/business-banking/sage-offer/
- Checked: 19 October 2026

Conditions:
1. Hold a Barclays business current account.
2. Complete Sage's sign-up journey from the Barclays offer page and accept Sage's terms.
3. The entitlement ends if you close all Barclays business current accounts.

### Monzo Business Pro / Team — 12 months free

https://tillradar.co.uk/#offers

- Summary: 12 months free on the Monzo Business Pro or Team plan when referred by a Monzo affiliate partner, such as an accountant.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Referred customers who have not had a Monzo Business account in the past 3 months and have not been referred under the same programme before. UK sole traders or Ltd directors only.
- Protection: FSCS protected (bank)
- Provider terms: https://monzo.com/legal/files/business-affiliate-partner-programme/customer-terms-and-conditions.pdf
- Checked: 19 October 2026

Conditions:
1. Get a referral link from a partner in Monzo's affiliate programme and enter your email.
2. Start an application within 30 days and select Pro or Team at sign-up. Selecting Lite or downgrading forfeits the offer.
3. Opt out before the 12 months end to avoid the monthly fee. Monzo sends a reminder one month before.

### Virgin Money (part of Nationwide) Any Virgin Money business current account + Xero — 6 months free

https://tillradar.co.uk/#offers

- Summary: Xero (Simple, Ignite, Grow, Comprehensive or Ultimate) 100% discount for 6 months.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: New and existing Virgin Money business current account holders, UK only, one discounted subscription per customer. Not for accountants or bookkeepers buying for clients.
- Protection: FSCS protected (bank)
- Provider terms: https://uk.virginmoney.com/business/current-accounts/new-accountancy-package/
- Checked: 19 October 2026

Conditions:
1. Open any Virgin Money business current account.
2. Follow the instructions in the email sent after sign-up.
3. The subscription is billed at full price after 6 months unless cancelled.

### Monzo Business Pro / Team + Xero — 6 months free

https://tillradar.co.uk/#offers

- Summary: Free Xero subscription (100% discount): 6 months with Monzo Business Pro or 8 months with Team, worth up to £560 according to Monzo.
- For: Sole traders, Limited companies
- Ends: 31 May 2027
- Eligibility: UK sole traders or limited company directors with Monzo Business Pro or Team; new Xero customers only.
- Protection: FSCS protected (bank)
- Provider terms: https://www.xero.com/uk/campaigns/monzo-offer-details/
- Checked: 19 October 2026

Conditions:
1. Hold or open Monzo Business Pro (£9/month) or Team.
2. Be a new Xero customer and pick a Xero Business Edition plan.
3. The Xero subscription renews automatically at full price unless cancelled (one month's notice to Xero).

### Countingup business account — 3 months free

https://tillradar.co.uk/#offers

- Summary: 3-month free trial, then £5, £12 or £20 a month depending on monthly deposits.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: Sole traders and limited companies with at most 2 directors. The applicant and all PSCs must be UK residents.
- Protection: FSCS protected (bank)
- Provider terms: https://countingup.com/terms-countingup/
- Checked: 19 October 2026

Conditions:
1. Open a Countingup account. The subscription starts after the 3-month trial and the tier depends on total monthly deposits.

### ANNA Money ANNA Business plan — 1 month free

https://tillradar.co.uk/#offers

- Summary: First month free on the ANNA Business plan (£22.90 + VAT/month). Auto Accountant is free for the first 4 months on all plans.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: ANNA requires a UK-based business and a UK residential address.
- Protection: E-money, not FSCS
- Provider terms: https://anna.money/terms-and-conditions/
- Checked: 19 October 2026

Conditions:
1. Choose the Business plan. After the first month the standard fee applies. Auto Accountant then costs £29/month on Free and Grow.

### Allica Bank Business Rewards Account — Perk (see conditions)

https://tillradar.co.uk/#offers

- Summary: Welcome Boost of +0.25% extra interest for 3 months on the Savings Pot, plus up to 1.5% cashback on card spend (ongoing) and a +0.5% switch boost for 6 months after a full CASS switch.
- For: Limited companies
- Ends: 31 January 2027
- Eligibility: UK residents aged 18+ with a business trading or incorporated for at least 12 months, able to deposit £50,000+ (or holding an Allica loan). Only the first account a business opens qualifies.
- Protection: FSCS protected (bank)
- Provider terms: https://www.allica.bank/business-current-account/supplemental-terms-and-conditions
- Checked: 19 October 2026

Conditions:
1. Open a Business Rewards Account and set up a Savings Pot.
2. Deposit at least £50,000 into the Savings Pot within 14 days of the welcome email; complete the offer before 31 January 2027.
3. Switch boost: complete a full Current Account Switch Service switch to get +0.5% for six months.
4. A £25 monthly fee applies if the average balance falls below £10,000, unless you have an Allica loan product.

### Mettle (NatWest) Mettle business account — Perk (see conditions)

https://tillradar.co.uk/#offers

- Summary: FreeAgent accounting software is included free (Mettle says this saves up to £150 a year, based on FreeAgent's lowest tariff) while you make at least one Mettle transaction a month.
- For: Sole traders, Limited companies
- Ends: no end date stated
- Eligibility: UK-resident, UK tax-resident-only sole traders or limited companies with up to 2 PSCs; the applicant must be a director and PSC.
- Protection: FSCS protected (bank)
- Provider terms: https://www.mettle.co.uk/docs/terms-and-conditions/1.5.pdf
- Checked: 19 October 2026

Conditions:
1. Open a Mettle account, link FreeAgent and make at least one transaction from Mettle each month.

## Recently ended offers

- Tide Business Account: £100 cashback with code BIRTHDAY2026 for spending £100 within 30 days of opening. Ended 30 September 2026.
- The Co-operative Bank Business Bank Account + eligible business savings account: £200 credit for opening a Business Bank Account and an eligible savings account at the same time. Ended 11 September 2026.
- Revolut Business Basic/Grow/Scale plans: One month free subscription to a paid Revolut Business plan via promotion link. Ended 31 July 2026.
- Airwallex business account (Employee Cards): 10% cashback on eligible employee card spend for 90 days from KYC approval (capped per region). Ended 15 July 2026.
- The Co-operative Bank Business Bank Account + eligible business savings account: £200 credit (same structure as the July 2026 offer). Ended 1 July 2026.
- Tide Business Account + Instant Saver: £100 reward with code TISBOOST for holding at least £5,000 in the Instant Saver for 60 days. Ended 30 June 2026.
- The Co-operative Bank Business Bank Account Plus: First six £10 monthly fees refunded (max £60), plus £125 cashback for holding a combined £25,000 balance. Ended 19 June 2026.
- Tide Business Account: £100 welcome bonus with code 100Q126 for £100 card spend in the first month. Ended 31 March 2026.
- Tide Business Account + Tide Card Reader: £200 credited for using the Tide Card Reader, with code TIDEZERO or TIDEZEROF2F. Ended 31 March 2026.
- The Co-operative Bank Business Bank Account / Directplus / Account Plus + business savings: £100 current account incentive plus a further £100 savings account incentive (up to £200). Ended 13 March 2026.

## Business account fees

- [Fee table: 18 UK business accounts](https://tillradar.co.uk/#fees): monthly fee, UK transfers, paying in cash, card abroad and protection, from each provider's published tariff

| Account | Monthly fee | UK transfer out | Paying in cash | Card abroad | Protection |
| --- | --- | --- | --- | --- | --- |
| ANNA Money ANNA Business Account – Free plan (pay as you go) | Free — Free plan. Grow £12.90+VAT, Business £22.90+VAT (first month free), Big Business £59.90+VAT. No fee in months the account is not used. | Free — Unlimited outgoing transfers on Free. | Not available — ANNA's own guide says it does not accept cash deposits on any plan; the cash 'Barcode' clause (7.31) has been removed from the T&Cs. Source is a marketing blog post, so medium confidence. | 2% on foreign-currency card spend (Free plan); 1% conversion on transfers — T&Cs: 'We charge an additional 1% ("Big Business" plan), 2% ("Pay As You Go", or "Free" plan), 1.5% (other plans) foreign transaction fee for foreign currency transactions'. Pricing page: '1% currency conversion fee for transfers'. | E-money |
| HSBC UK Small Business Banking Account (replaces Kinetic for new customers) | Free — No monthly fee. | Free — Standard UK digital transfers free. | £1.50 per credit + 1.5% of value (branch or Post Office counter) — From 14 Dec 2026 the £1.50 is removed and branch cash rises to 2%. | 2.75% — Non-sterling transaction fee (Business Price List). | FSCS |
| Mettle (NatWest) Mettle business account | Free — No fee. Mettle+ optional at £4/month (quotes). | Free — Not listed as a charge in the fee information document; inferred free. | £2.75 — £2.75 per deposit at the Post Office. | Not stated — Foreign card spend fee not listed in the fee document. | FSCS |
| Monzo Business Lite | Free — Lite is free. Pro is £9/month with the first month free; Team from £25. | Free — 'Sending money within the UK: £0'. | £1.00 — '£1 per deposit to pay in cash at any PayPoint or Post Office' (fee information v1.16). Per-deposit limits: PayPoint max £300; Post Office sole trader £3,000, Ltd £4,000. | Free — No fee on foreign-currency card payments. | FSCS |
| NatWest Business Current Account (Standard Charges) | Free — Standard Charges: no monthly charge. Start-ups (trading under 12 months, turnover up to £1m) and full CASS switchers (turnover up to £2m) get 2 years' free everyday banking. | £0.35 — Per item online/app after free banking ends; £1.00 by phone or branch. | £0.95 per £100 plus £0.95 per manual item — NatWest/RBS counter, Post Office or deposit machine. | 2.75% — Non-sterling fee on card payments and cash. | FSCS |
| Starling Bank Starling Business Account | Free — No monthly fee. Bulk Payments add-on £7/month. | Free — No charge. CHAPS £20. | 0.7% (min £3) at the Post Office — Post Office only. Sole trader annual limit shown as £20k on one page and £100k on another. | Free — No Starling fee on foreign card spend (Mastercard rate). 0.4% conversion fee on outbound international payments. | FSCS |
| Tide Business Account – Free plan | Free — No plan fee. Paid plans: Smart £12.49, Pro £27.49, Max £69.99 per month. | £0.20 — 20p per bank transfer, in or out. The Free plan includes 5 free transfers a month ('Bank transfers 5/month'). | Post Office £2.50 up to £500, 0.99% above £500 (Free plan); PayPoint 3% — Paid plans pay 0.5% over £500 at the Post Office. | 2.75% — Free plan only; 0% on Smart, Pro and Max. | FSCS |
| Virgin Money (part of Nationwide) M Account for Business | Free — No monthly fee. | Free — Automatic debits free; manual debit at a branch or Post Office costs £0.95. | £0.90 per £100 (branch or Post Office) | 2.75% (min £1.50) — Card payments; foreign cash 3.75% (min £1.50); sterling/euro free in the UK and EEA. | FSCS |
| Wise Business account | Free — No monthly fee. One-off 'All in for 50 GBP' set-up fee to unlock all features. | Free — GBP to GBP bank transfer from the Wise balance: £0 (Wise price calculator, business profile, £100 and £1,000, checked 2026-10-20). The 'From 0.24%' headline applies to conversions. | Not available — No cash deposit channel mentioned. | 0.33% (GBP to EUR); 0.36% GBP to USD; from 0.24% depending on currency — Conversion fee from the Wise price calculator (business profile, £1,000 from balance, checked 2026-10-20): GBP to EUR 0.33%, GBP to USD 0.36%; a bank-transfer payout in EUR adds £0.41. Card spend in a held currency is free. | E-money |
| Zempler Bank (formerly Cashplus) Zempler Business Go | Free — Business Go £0; Business Extra £9; Business Pro £19. | £0.35 — 3 free per month, then 35p each. | 0.55% (min £4) at the Post Office — £6,000/day limit. | 2.99% — Non-sterling transactions. | FSCS |
| TSB (part of Santander) Business Plus | Free at first, then £5.00 a month — Free for 30 months. | Free — UK sterling payments in and out are free. | Free for 30 months, then 70p per £100 (branch or Post Office) | 2.75% — Foreign cash adds 1.5% (min £1.50). | FSCS |
| Metro Bank Business Bank Account | Free at first, then £8.00 a month — 12 months fee-free for new-to-bank businesses (monthly fee and electronic transactions; cash excluded); 31 months for full CASS switchers in store, which also includes free cash transactions up to £10,000 a month. | £0.30 — £0.30 per item; with a £6,000+ balance the first 30 items a month are free. | 1% in store — Post Office cash 'on request', fee not stated. £10,000/day limit. | 2.99% outside listed (mostly European) countries — Cash abroad 2.99% + £1.50. | FSCS |
| Barclays Business Current Account | Free at first, then £8.50 a month — Free for the first 12 months if the business has no Barclays business account. | Free — Free when made online or in the app ('simple electronic payments'); £1.50 if made by Barclays staff. | 60p per £100 (machine, Post Office, self-service); £1.20 per £100 at a branch counter | 2.75% — Non-sterling debit card fee. Currency conversion on payments up to 2%. | FSCS |
| Santander UK Business Current Account – Classic (replaces Business Everyday) | Free at first, then £9.99 a month — Free for 12 months for start-ups and full CASS switchers. | Free — Electronic payments free; CHAPS £25. | First £1,000/month free at Santander cash machines, then £1.25 per £100; £1.25 per £100 at Santander or Post Office counters | 2.95% — Conversion fee on card use. | FSCS |
| Lloyds Bank Business Account | Free at first, then £10.00 a month — Free for 12 months for first-time Lloyds business customers. The offer covers the monthly fee only; cash paid in is still charged. | Free — Electronic payments in and out are included at no extra cost. | £0.85 per £100 (Immediate Deposit Machine); £1.60 per £100 (counter, ATM, depositpoint, Post Office) | 2.75% — Non-sterling fee; foreign cash withdrawals add 1.5% (min £1.50). | FSCS |
| Revolut Business – Basic plan | £10.00 a month — Basic £10/month. Grow £35/month (or £360/yr), Scale £125/month (or £1,080/yr). There is no free plan. | £0.20 — 10 free UK domestic payments a month, then £0.20 each. | Not available — The Business Terms deposit methods list Revolut transfers, debit card top-up and bank transfer only; no cash channel. | 0.6% over £1,000/month — £1,000 monthly free exchange allowance on Basic, then 0.6%; 1% outside market hours. | FSCS |
| Countingup business account | Free at first, then £5 / £12 / £20 — 3-month free trial. | £0.27 — 3 free transfers/Direct Debits per month, then 27p each. | Not available (new accounts from 3 Aug 2026) — Help centre (updated 18 Oct 2026), new sort code 04-36-15: 'You'll be able to deposit cash at any Post Office soon. We're still working on this feature.' The old 3% (help centre) and 0.5% min £2 (Feb 2025 T&Cs) apply to legacy 23-69-72 accounts only. | 3% — Foreign transaction fee. | FSCS |
| HSBC UK Kinetic Current Account | — — Unverified: Kinetic appears closed to new applications. | Not stated | Not stated | Not stated | — |

Fees from each provider's published tariff, checked 19 October 2026. Sorted by the monthly fee after any introductory period. The provider's own document always prevails.

## Business accounts ranked by yearly cost (tariffs checked 20 October 2026)

https://tillradar.co.uk/business-bank-accounts/

### New sole trader

1. Starling Bank Starling Business Account – year 1 £0, each year after £0
2. Monzo Business Lite – year 1 £0, each year after £0
3. Mettle (NatWest) Mettle business account – year 1 £0, each year after £0
4. Virgin Money (part of Nationwide) M Account for Business – year 1 £0, each year after £0
5. HSBC UK Small Business Banking Account (replaces Kinetic for new customers) – year 1 £0, each year after £0

### Established sole trader taking some cash

1. Monzo Business Lite – year 1 £36, each year after £36
2. Starling Bank Starling Business Account – year 1 £126, each year after £126
3. Mettle (NatWest) Mettle business account – year 1 £111, each year after £111
4. Virgin Money (part of Nationwide) M Account for Business – year 1 £162, each year after £162
5. NatWest Business Current Account (Standard Charges) – year 1 £0, each year after £566 (estimate)

### Online seller

1. Starling Bank Starling Business Account – year 1 £0, each year after £0
2. Monzo Business Lite – year 1 £0, each year after £0
3. Wise Business account – year 1 £62, each year after £12
4. Mettle (NatWest) Mettle business account – year 1 £108, each year after £108 (estimate)
5. Virgin Money (part of Nationwide) M Account for Business – year 1 £108, each year after £108

### Small limited company

1. Starling Bank Starling Business Account – year 1 £0, each year after £0
2. Mettle (NatWest) Mettle business account – year 1 £0, each year after £0
3. Virgin Money (part of Nationwide) M Account for Business – year 1 £0, each year after £0
4. HSBC UK Small Business Banking Account (replaces Kinetic for new customers) – year 1 £0, each year after £0
5. Wise Business account – year 1 £50, each year after £0

### Cash-heavy shop or market stall

1. Monzo Business Lite – year 1 £72, each year after £72
2. Mettle (NatWest) Mettle business account – year 1 £198, each year after £198
3. Starling Bank Starling Business Account – year 1 £504, each year after £504
4. NatWest Business Current Account (Standard Charges) – year 1 £0, each year after £1,013 (estimate)
5. Zempler Bank (formerly Cashplus) Zempler Business Go – year 1 £467, each year after £467 (estimate)

### Limited company paying EU suppliers

1. Monzo Business Lite – year 1 £120, each year after £120 (estimate)
2. Starling Bank Starling Business Account – year 1 £192, each year after £192
3. Wise Business account – year 1 £236, each year after £186
4. Revolut Business – Basic plan – year 1 £372, each year after £372
5. Tide Business Account – Free plan – year 1 £894, each year after £894

## Hubs


### Sole trader vs limited company 2026/27: tax at 6 profit levels

https://tillradar.co.uk/sole-trader-vs-limited-company/

Hub. Published 20 October 2026. On 2026/27 rates a one-person company drawing all its profit pays more tax than a sole trader at every level from £20k to £150k.

Short answer:
- On our 2026/27 sums, a one-person limited company that pays out all its profit costs more tax than being a sole trader at all six profit levels we tested, from £894 more at £20,000 profit to £6,931 more at £150,000.
- The main reason is the dividend tax rise from 6 April 2026: the basic rate went from 8.75% to 10.75% and the higher rate from 33.75% to 35.75%.
- Corporation tax is 19% on profits up to £50,000 and 25% above £250,000, with marginal relief in between; employer National Insurance is 15% on salary above £5,000.
- The gap is smallest at around £60,000 of profit (about £20 on our figures), and a company can only pull ahead if you leave profit in it rather than drawing it all.
- A company also adds fixed costs: £100 to incorporate online, £50 a year for the confirmation statement, payroll, statutory accounts and usually a bigger accountant's bill.

### Business bank account offers UK: live tracker checked against T&Cs

https://tillradar.co.uk/business-bank-account-offers/

Hub. Published 20 October 2026. Every live UK business bank account offer we could confirm in the provider's terms: £200 cash bonuses, fee-free months and free software, valued in pounds.

Short answer:
- We track 28 live UK business bank account offers and 10 that ended in 2026, each read against the provider's own terms.
- The largest cash offers pay £200: Lloyds (apply online by 30 November 2026), Revolut Business (by 31 December 2026) and Tide's TIS200, which needs £10,000 saved for 30 days.
- Only Lloyds' own page lets you combine two offers: the £200 boost plus Xero's free months and £200 gift card.
- The longest fee-free period is Metro Bank's 31 months, but only for a full switch completed in store. At £8 a month that is worth £248.
- HMRC's manual treats a cashback received in the course of trading as a trading receipt. Assume a cash bonus adds to taxable profit and check with your accountant.

### Making Tax Digital for Income Tax: 2026–2028 thresholds, dates, steps

https://tillradar.co.uk/making-tax-digital-income-tax/

Hub. Published 20 October 2026. MTD for Income Tax covers gross self-employment and property income over £50k from April 2026, £30k from 2027 and £20k from 2028. Dates, penalties, steps.

Short answer:
- Who is in: sole traders and landlords with qualifying income over £50,000 (from 6 April 2026), over £30,000 (from 6 April 2027) and over £20,000 (from 6 April 2028).
- Qualifying income means gross self-employment plus gross property income, before expenses. The 2025/26 return decides who joins in April 2027.
- What you do: keep digital records, send 4 quarterly updates (due 7 August, 7 November, 7 February and 7 May) and submit your tax return from software by 31 January.
- Penalties: no points for late quarterly updates in 2026/27. From 2027/28 each missed deadline earns a point, and 4 points cost £200.
- Software: HMRC doesn't provide any. Some free business accounts include it, but not all of them can file the year-end return yet.

### Best business bank accounts UK 2026: yearly cost for 6 business types

https://tillradar.co.uk/business-bank-accounts/

Hub. Published 20 October 2026. We priced 17 UK business accounts for six business types. With no cash, five cost £0 a year; with cash or euro payments, costs range from £36 to over £2,000.

Short answer:
- No cash, few payments: five accounts cost £0 a year (Starling, Monzo Business Lite, Mettle, Virgin Money M Account, HSBC Small Business Banking).
- £1,500 of cash a month: Monzo Lite £36 a year, Mettle £111, Starling £126; high-street banks £162 to £586 once free periods end.
- £6,000 of cash a month: Monzo £72, Mettle £198, Starling £504, HSBC £1,080. NatWest and Metro are free for 24 and 31 months after a full switch, then about £1,000 a year.
- £4,000 a month to EU suppliers: Monzo £120 (estimate), Wise £186, Starling £192; most banks over £1,000, nearly all exchange margin.
- Barclays, Lloyds and Santander are £0 in year one, then £102 to £120 a year. Welcome bonuses do not change this ranking.

## Guides


### Is HMRC down? Live status of HMRC and Companies House online services

https://tillradar.co.uk/is-hmrc-down/

Live status. Published 20 October 2026. Live check of HMRC sign-in, VAT, Self Assessment, MTD and Companies House every 2 minutes, with HMRC's official notices and what to do before a deadline.

Short answer:
- Is HMRC down right now? The live check below runs every 2 minutes and shows each service separately.
- We check HMRC sign-in, the business and personal tax accounts, VAT online, the MTD for Income Tax account, the MTD API gateway, GOV.UK One Login, Companies House WebFiling, the register search and the Companies House API. The HMRC app cannot be checked from outside.
- Only HMRC's and Companies House's own notices count if you later appeal a penalty. We read them every 30 minutes and show them under the live result.
- If HMRC is down before the 31 January Self Assessment deadline, keep the error message and the time, and file as soon as it works again. HMRC's guidance lists "issues with HMRC online services" as a reasonable excuse. Its internal manual gives roughly 14 days after the problem ends as the limit for "without unreasonable delay".
- A Self Assessment return that is one day late costs £100. Paying the tax a few days late adds interest only: the first 5% late payment penalty comes at 30 days. For VAT, the first late payment penalty comes at 16 days.
- Companies House has no automatic relief for outages. Accounts filed 1 day late cost a private company £150. If you can see trouble coming, apply for more time before the deadline.
- HMRC plans its downtime ahead. From January to October 2026 it announced 8 windows (520 hours) for MTD for Income Tax, almost all starting on a Friday or Saturday evening.

### Companies House ID verification deadline: check yours (2026)

https://tillradar.co.uk/companies-house-identity-verification/

Guide. Published 20 October 2026. Existing directors verify with the next confirmation statement (statement date + 14 days); PSCs have a fixed 14-day window. Check your date here.

Short answer:
- There is no single national deadline. An existing director must give their Companies House personal code in the company's next confirmation statement, which is due 14 days after the statement date. A director who is also a PSC gives the code a second time, as a PSC, in the 14 days starting the day after that date.
- A PSC who is not a director had to give their code in the first 14 days of their birth month. The windows ran from 1–14 December 2025 to 1–14 November 2026.
- The transition period is the 12 months beginning on 18 November 2025, so its last day is 17 November 2026, 28 days after this check. Deadlines linked to statement dates of 4–17 November 2026 still run to 1 December 2026.
- Since 18 November 2025, a new director must be verified before acting, and a new PSC has 14 days to give their code.
- Verifying directly through GOV.UK One Login is free, by app, online or at a Post Office. An Authorised Corporate Service Provider (ACSP) can verify you instead and may charge for it.
- Missing your date is a criminal offence. The first convictions came on 16 September 2026: three directors were fined £80 to £307, plus £85 costs each. Companies House can also issue penalties of up to £10,000.
- People who file at Companies House on a company's behalf will have to verify from November 2027 at the earliest, with at least six months' notice.

### E-invoicing UK 2029: deadline, Peppol and what small firms must do

https://tillradar.co.uk/e-invoicing-uk/

Guide. Published 20 October 2026. E-invoicing is mandatory in the UK from April 2029 for VAT invoices to businesses and public bodies, sent over Peppol. Who is in scope and what to do now.

Short answer:
- When: e-invoicing becomes mandatory in the UK from April 2029 for VAT invoices on business-to-business (B2B) and business-to-government (B2G) sales. HMRC has confirmed the month, not the day.
- Who: VAT-registered businesses. Sales to consumers are out of scope, and businesses that are not VAT-registered (turnover under the £90,000 threshold, unless registered voluntarily) are not obliged.
- How: invoices will travel between businesses' own software over Peppol, a network of certified providers. There is no central HMRC platform and no real-time reporting to HMRC in 2029.
- What a PDF is: not an e-invoice. The government's definition excludes PDF and Word invoices, images and invoices in the body of an email.
- Not yet confirmed: phasing by business size, penalties, software accreditation and any free government tool. The roadmap and standards are due at Budget 2026 on 28 October 2026.
- Already needed: NHS Supply Chain requires its suppliers to send e-invoices over Peppol today.
- Software: of the five big names, only Xero says on its UK pages that you can send and receive Peppol e-invoices now. Two cheaper invoicing tools also send them.

### Budget 2026 for small business: what changes for sole traders and Ltds

https://tillradar.co.uk/budget-small-business/

Guide. Published 20 October 2026. Budget 2026 is on 28 October. What is already fixed for sole traders and Ltds, what the government says is coming, and what we will check on the day.

Short answer:
- Budget 2026 is on Wednesday 28 October 2026. The Chancellor, John Healey, confirmed the date in a letter to the Treasury Select Committee published by HM Treasury on 31 July 2026.
- Several small-business changes are already fixed in law or announced, whatever the Budget says: dividend tax of 10.75% / 35.75% / 39.35% since 6 April 2026, and Making Tax Digital for Income Tax for gross income over £30,000 from 6 April 2027 and over £20,000 from 6 April 2028.
- Income tax and self-employed National Insurance thresholds are frozen at £12,570 and £50,270 until April 2031, announced at Budget 2025.
- Employers pay 15% National Insurance above £5,000 a year per employee, with an Employment Allowance of up to £10,500 (2026/27 rates).
- The VAT registration threshold is £90,000, unchanged since 1 April 2024. We found no official announcement of a change or of a fixed freeze period.
- The government has said two things will come at this Budget: the e-invoicing roadmap for mandatory VAT e-invoicing from April 2029, and the final fuel duty rates from 1 January 2027.

## About TillRadar

- [About TillRadar](https://tillradar.co.uk/about/): Who runs TillRadar, how it is funded and which companies I am involved in.
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## For AI agents

- [For AI agents](https://tillradar.co.uk/for-agents/): public read-only REST API, MCP server and Markdown pages; no registration
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## Citing

Each API and MCP result has a `url` on tillradar.co.uk and a `cite` line. Offers carry the date they were checked (`checked`) and their end date (`ends`); the provider's terms prevail over any summary.