# 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/ Full version with offer conditions, the fee table and article summaries: https://tillradar.co.uk/llms-full.txt ## Live business account offers (28) - [Lloyds Bank Business Account + Xero — £200 bonus plus 6 months free](https://tillradar.co.uk/#offers): Xero free for 6 months, plus a £200 Amazon gift card after the first paid Xero month (month 7). Provided by Xero. Ends 31 March 2027. Checked 19 October 2026. - [Santander UK Business Current Account – Classic + Xero — £200 bonus plus 6 months free](https://tillradar.co.uk/#offers): 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. Checked 19 October 2026. - [Lloyds Bank Business Account — £200 bonus](https://tillradar.co.uk/#offers): £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. Ends 30 November 2026. Checked 19 October 2026. - [Revolut Business account (Basic, Grow, Scale) — £200 bonus](https://tillradar.co.uk/#offers): £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. Ends 31 December 2026. Checked 19 October 2026. - [Tide Business Current Account + Tide Instant Saver — £200 bonus](https://tillradar.co.uk/#offers): £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. Ends 19 December 2026. Checked 19 October 2026. - [Zempler Bank (formerly Cashplus) Business Go account + Zempler company formation — £100 bonus](https://tillradar.co.uk/#offers): £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. Checked 19 October 2026. - [Countingup business account + company formation — £100 bonus](https://tillradar.co.uk/#offers): 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. Checked 19 October 2026. - [Tide Business Account — £50 bonus](https://tillradar.co.uk/#offers): £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. Checked 19 October 2026. - [Zempler Bank (formerly Cashplus) Zempler business current account — £50 bonus](https://tillradar.co.uk/#offers): £50 welcome gift when you apply from Zempler's deposit-offer page and deposit £250 within 30 days. Checked 19 October 2026. - [Monzo Business account (any plan) — £50 bonus](https://tillradar.co.uk/#offers): £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. Checked 19 October 2026. - [Metro Bank Business Bank Account — 31 months free](https://tillradar.co.uk/#offers): 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. Checked 19 October 2026. - [TSB (part of Santander) Business Plus — 30 months free](https://tillradar.co.uk/#offers): 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. Checked 19 October 2026. - [The Co-operative Bank Business Directplus — 30 months free](https://tillradar.co.uk/#offers): 30 months with no monthly account fee (normally £7) for new-to-bank customers who keep the balance above £1,000 at all times. Checked 19 October 2026. - [Virgin Money (part of Nationwide) Business Current Account — 25 months free](https://tillradar.co.uk/#offers): 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. Checked 19 October 2026. - [NatWest Business current account (full CASS switch) — 24 months free](https://tillradar.co.uk/#offers): 2 years of free banking on everyday transactions for businesses with turnover up to £2m that switch using the full Current Account Switch Service. Checked 19 October 2026. - [NatWest Start-up Business Account — 24 months free](https://tillradar.co.uk/#offers): 2 years of free banking on everyday transactions for start-ups. Checked 19 October 2026. - [Santander UK Business Current Account – Classic — 12 months free](https://tillradar.co.uk/#offers): No monthly fee for the first 12 months for start-ups and full CASS switchers, then £9.99 a month. Checked 19 October 2026. - [HSBC UK Small Business Banking Account + My Business Finances (Sage) — 12 months free](https://tillradar.co.uk/#offers): 'My Business Finances powered by Sage' free for 12 months, then £5.99 + VAT a month, on HSBC's free Small Business Banking Account. Ends 30 June 2027. Checked 19 October 2026. - [Metro Bank Business Bank Account — 12 months free](https://tillradar.co.uk/#offers): 12 months of fee-free business banking for new-to-bank businesses, with no switch needed. Checked 19 October 2026. - [Barclays Business Current Account — 12 months free](https://tillradar.co.uk/#offers): No monthly account fee for the first 12 months, then £8.50 a month. Checked 19 October 2026. - [Barclays Business Current Account + Sage Accounting — 12 months free](https://tillradar.co.uk/#offers): Sage Accounting (or Sage Accounting Sole Trader) free for 12 months, then 50% off. Checked 19 October 2026. - [Monzo Business Pro / Team — 12 months free](https://tillradar.co.uk/#offers): 12 months free on the Monzo Business Pro or Team plan when referred by a Monzo affiliate partner, such as an accountant. Checked 19 October 2026. - [Virgin Money (part of Nationwide) Any Virgin Money business current account + Xero — 6 months free](https://tillradar.co.uk/#offers): Xero (Simple, Ignite, Grow, Comprehensive or Ultimate) 100% discount for 6 months. Checked 19 October 2026. - [Monzo Business Pro / Team + Xero — 6 months free](https://tillradar.co.uk/#offers): Free Xero subscription (100% discount): 6 months with Monzo Business Pro or 8 months with Team, worth up to £560 according to Monzo. Ends 31 May 2027. Checked 19 October 2026. - [Countingup business account — 3 months free](https://tillradar.co.uk/#offers): 3-month free trial, then £5, £12 or £20 a month depending on monthly deposits. Checked 19 October 2026. - [ANNA Money ANNA Business plan — 1 month free](https://tillradar.co.uk/#offers): First month free on the ANNA Business plan (£22.90 + VAT/month). Auto Accountant is free for the first 4 months on all plans. Checked 19 October 2026. - [Allica Bank Business Rewards Account — Perk (see conditions)](https://tillradar.co.uk/#offers): 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. Ends 31 January 2027. Checked 19 October 2026. - [Mettle (NatWest) Mettle business account — Perk (see conditions)](https://tillradar.co.uk/#offers): 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. Checked 19 October 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 ## 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 ### Established sole trader taking some cash 1. Monzo Business Lite ### Online seller 1. Starling Bank Starling Business Account ### Small limited company 1. Starling Bank Starling Business Account ### Cash-heavy shop or market stall 1. Monzo Business Lite ### Limited company paying EU suppliers 1. Monzo Business Lite ## Hubs - [Sole trader vs limited company 2026/27: tax at 6 profit levels](https://tillradar.co.uk/sole-trader-vs-limited-company/): Hub, updated 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. - [Business bank account offers UK: live tracker checked against T&Cs](https://tillradar.co.uk/business-bank-account-offers/): Hub, updated 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. - [Making Tax Digital for Income Tax: 2026–2028 thresholds, dates, steps](https://tillradar.co.uk/making-tax-digital-income-tax/): Hub, updated 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. - [Best business bank accounts UK 2026: yearly cost for 6 business types](https://tillradar.co.uk/business-bank-accounts/): Hub, updated 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. ## Guides - [Is HMRC down? Live status of HMRC and Companies House online services](https://tillradar.co.uk/is-hmrc-down/): Live status, updated 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. - [Companies House ID verification deadline: check yours (2026)](https://tillradar.co.uk/companies-house-identity-verification/): Guide, updated 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. - [E-invoicing UK 2029: deadline, Peppol and what small firms must do](https://tillradar.co.uk/e-invoicing-uk/): Guide, updated 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. - [Budget 2026 for small business: what changes for sole traders and Ltds](https://tillradar.co.uk/budget-small-business/): Guide, updated 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. ## About TillRadar - [About TillRadar](https://tillradar.co.uk/about/): Who runs TillRadar, how it is funded and which companies I am involved in. - [How we make money](https://tillradar.co.uk/how-we-make-money/): Where TillRadar's income comes from and what payment can never buy. - [Editorial policy](https://tillradar.co.uk/editorial-policy/): How offers are checked, dated, corrected and removed. - [Contact](https://tillradar.co.uk/contact/): How to reach TillRadar. - [Terms of use](https://tillradar.co.uk/terms/): The rules for using TillRadar. - [Privacy policy](https://tillradar.co.uk/privacy-policy/): What personal data TillRadar collects, why, and your rights under UK GDPR. ## For AI agents - [For AI agents](https://tillradar.co.uk/for-agents/): public read-only REST API, MCP server and Markdown pages; no registration - [MCP server](https://tillradar.co.uk/mcp): Streamable HTTP; tools list_offers, get_offer, account_fees, cost_ranking, search_guides, site_status, list_my_reminders, add_reminder, remove_reminder - [OpenAPI 3.1](https://tillradar.co.uk/openapi.json): REST API at https://tillradar.co.uk/wp-json/tr/v1 - [Agent skill](https://tillradar.co.uk/.well-known/agent-skills/tillradar-uk-business-banking/SKILL.md): how to use and cite the data ## 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.