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An account for all types of businesses

Business bank account

On this page
Account summary
Useful info
Continue an application
Apply now

Flexible everyday banking for your business

  • £8 quarterly fee
  • Anytime and Mobile app banking
  • Dedicated Relationship Manager (turnover and eligibility criteria apply)
  • UK based telephone banking lines open Mon-Fri, 8:30am - 5:30pm
  • Accounting software included from FreeAgent
  • For businesses with turnover above £1m trading under or over a year, or turnover below £1m trading for over a year 
  • If your business has a turnover greater than £6.5m, you’ll need to apply over the phone
    • For existing customers, please contact your Relationship Manager to apply for your account
    • For new customers, you can start your application online and we’ll pair you with a new Relationship Manager to complete your application, or you can apply over the phone

There's also:

Accounting software included from FreeAgent

  • FreeAgent accounting software gives you a clear, real-time view of your business finances.
  • As a business current account holder, you can access FreeAgent for free as long as you retain your bank account. Optional add-ons may be chargeable.

    •  

Lending and cash management

Security may be required.  Product fees may apply.  Finance is subject to status and only available for business purposes.

Ways to grow your business network

All business owners must reside in the UK or Ireland and be over 18. The business current account is for businesses that are over 1 year old. Anytime / Telephone Banking is available to business customers with an eligible account. Mobile App is available on selected iOS and Android devices with a UK or international mobile number in selected countries.

To apply online your business must reside in Northern Ireland and have an annual turnover under £6.5m. Existing customers with an annual turnover over £6.5m should contact their Relationship Manager to apply; new customers with an annual turnover over £6.5m should start their application online and we’ll pair you with a Relationship Manager to complete your application, or can apply over the phone.

Managing your business finances has never been easier

Visit our servicing hub for instant access to managing your business accounts, loans, credit cards and any other business service you have from Ulster Bank. 

Manage my business finances

Free banking on everyday transactions for 2 years when you switch to us

If you've got an annual turnover of up to £2m and switch your business account to us using the full Current Account Switch Service, we'll give you 2 years of free banking on everyday transactions.

Everything will be moved across from your old account to your new account for you, all within 7 working days, including Direct Debits and Standing Orders.

Switch offer is not available to customers switching a NatWest or Royal Bank of Scotland business current account to Ulster Bank. 

Current Account Switch Guarantee (PDF, 40KB)

Your Guide to switching your account to us (PDF, 2.3MB)

How does switching work?

Free banking on everyday transactions means the charges for the day to day running of your account (known as your service charges) won’t apply during the free banking period. This also means we will not charge the £8 quarterly account maintenance fee. At the end of this period, you’ll start to incur fees for your everyday transactions. Other charges such as those for unarranged overdrafts, Bankline, international payments and any additional services are not part of the free banking offer. For details of our full charges and switch offer terms and conditions, please refer to the Guide to Business Current Account Fees listed at the bottom of this page.

Apply now

Thanks for choosing our Business Current Account. Let's get started.

If you wish to apply for a Currency Account, please visit the Foreign Currency Account page.

Continue

Before you continue...

During your application you will need to make a choice on the type of account you want to apply for:

  • a Business Current Account - used for the day to day running of your business, OR
  • a Loan Servicing Account - used ONLY for loan repayment purposes. You'll need this if you have a loan with us, but not your current account(s).

Should you select the incorrect account, you will need to reapply choosing the correct option.

Digital ways to bank
 

As part of your application, you may be able to opt for either Bankline or Anytime Banking. 
 

  • Bankline is a paid comprehensive digital banking platform service. 
  • Anytime Banking is a free service more suited to businesses managing a lower volume or value of payments.
  • For a quick comparison of fees and tariffs, see our comparison table.
  • For a sneak preview of our digital services, visit Ways to bank.
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Are you...
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OK, so you're an existing customer. Is the bank account for...
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What is your estimated annual turnover?
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Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

By proceeding with your application you are confirming that you have printed/downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


What if my business is based in Scotland/England or Wales?

If your business will be based in Scotland and you do not currently hold an existing relationship with Ulster Bank, please apply with Royal Bank or give us a call on 0345 600 2230.

Relay UK Service: 18001 0345 600 2230


If your business will be based in England or Wales and you do not currently hold an existing relationship with Ulster Bank, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service: 18001 0345 711 4477.


More information on accessibility.


Calls may be recorded for training and monitoring purposes. For further call charge information, please refer to the table at www.gov.uk/call-charges or contact your phone provider.


The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more

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Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous
We need to see evidence of your turnover. Are you able to supply this?
You’ll need to show us that your turnover is over £6.5m so that we can progress your application.
Previous
Next

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

By proceeding with your application you are confirming that you have printed / downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary you continue with your application.

 

The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more

 

Apply by telephone

If for any reason you wish to apply by phone, you may do so by calling 0345 366 5592.

 

Relay UK Service: 18001 0345 366 5592

 

More information on accessibility.
 

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

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Next

You can start your application online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

By proceeding with your application you are confirming that you have printed / downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

 

The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more

Previous
Next

You can start your application online

Then, we’ll connect you with a Relationship Manager who can help you complete it. This is the fastest way to complete your application.

Here's a few things you need to know before you start:

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous
Do you have a Relationship Manager?
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Call your Relationship Manager

You should have a direct number for them. You can discuss applying for an additional business account. They can start the application for you and arrange to get the appropriate signatures.

 

When can I call?

Business and Relationship Managers are available 9am-5pm Monday to Friday.

 

Previous

No problem.

You can complete the Additional Business Account form.

If you have issues opening the form please follow these instructions.

Previous
What is your estimated business annual turnover?
Previous
Next

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

By proceeding with your application you are confirming that you have printed / downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

 

What if my business is based in Scotland/England or Wales?

If your business will be based in Scotland and you do not currently hold an existing relationship with Ulster Bank, please apply with Royal Bank or give us a call on 0345 600 2230.


Relay UK Service: 18001 0345 600 2230


If your business will be based in England or Wales and you do not currently hold an existing relationship with Ulster Bank, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service: 18001 0345 711 4477.


More information on accessibility.


Calls may be recorded for training and monitoring purposes. For further call charge information, please refer to the table at www.gov.uk/call-charges or contact your phone provider.

 

The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more

Previous
Next

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous
We need to see evidence of your turnover. Are you able to supply this?
You’ll need to show us that your turnover is over £6.5m so that we can progress your application.
Previous
Next

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

By proceeding with your application you are confirming that you have printed / downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more


Apply by telephone

If for any reason you wish to apply by phone, you may do so by calling 0345 366 5592.

 

Relay UK Service: 18001 0345 366 5592

 

More information on accessibility.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Previous
Next

You can start your application online

Then, we’ll connect you with a Relationship Manager who can help you complete it. This is the fastest way to complete your application.

Here's some things you need to know before you start:

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

By proceeding with your application you are confirming that you have printed / downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more

Previous
Next

You can start your application online

Then, we’ll connect you with a Relationship Manager who can help you complete it. This is the fastest way to complete your application.

Here's some things you need to know before you start:

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous
What is your estimated annual turnover?
Previous
Next

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree
  • You'll need 6 months of bank or building society statements if you're switching accounts to us

By proceeding with your application you are confirming that you have printed / downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

 

What if my business is based in Scotland/England or Wales?

If your business will be based in Scotland and you do not currently hold an existing relationship with Ulster Bank, please apply with Royal Bank or give us a call on 0345 600 2230.


Relay UK Service: 18001 0345 600 2230


If your business will be based in England or Wales and you do not currently hold an existing relationship with Ulster Bank, please apply with NatWest or give us a call on 0345 711 4477.


Relay UK Service: 18001 0345 711 4477.


More information on accessibility.


Calls may be recorded for training and monitoring purposes. For further call charge information, please refer to the table at www.gov.uk/call-charges or contact your phone provider.

 

The Standards of Lending Practice for business customers


We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more

Previous
Next

Your application can be completed online

This is the fastest way to complete your application.

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous
We need to see evidence of your turnover. Are you able to supply this?
You’ll need to show us that your turnover is over £6.5m so that we can progress your application.
Previous
Next

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

By proceeding with your application you are confirming that you have printed/downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more


Apply by telephone

If for any reason you wish to apply by phone, you may do so by calling 0345 366 5592.


Relay UK Service: 18001 0345 366 5592


More information on Accessibility.


Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Previous
Next

Your can start your application online

Then we will connect you to a Relationship Manager who can help you complete it. This is the fastest way to complete your application.

Here's some things you need to know before you start:

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous

Great, please make sure you're eligible to apply

  • You're aged 18 or over
  • You're the owner or a director of the business you’re applying on behalf of
  • Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions
  • You haven't been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree
  • You'll need 6 months of bank or building society statements if you're switching accounts to us

By proceeding with your application you are confirming that you have printed / downloaded a copy of the below Important Information documents, and that upon account opening you will be bound by the terms within these documents.

 

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

 

The Standards of Lending Practice for business customers

We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice.

Find out more

Previous
Next

You can start your application online

Then, we’ll connect you with a Relationship Manager who can help you complete it. This is the fastest way to complete your application.

Here's some things you need to know before you start:

1. We may use HooYu, our trusted online identification and security partner, to check your identity.

2. To see which documents are accepted for proof of identity and address you can visit our HooYu page.

3. Once we receive all your information, we'll review the application and will be in touch.

Alternatively, you can contact us to book an appointment to complete your application via phone. Your ID will then need to be verified by submitting your documents in branch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner HooYu.
  • A credit check on everyone on your application.
Previous

Already started an application?

Log in to continue or check the status of your application in our online application centre

You can use the same details that you created when you applied for your business account. If you haven’t already set up access to your online application centre, you can create a login now

Additional support for your business

Ways to bank

Choose the most convenient and easiest way for you to bank. We offer Anytime Banking, Mobile Banking and Bankline. Business banking at its best.

Bankline fees apply.

Find out about the ways to bank

Sector Expertise

We understand that businesses often require additional support. Our customers can benefit from our sector specialists who complement our local knowledge.

Find out more

Info about charges

Download the PDF below to view our business current account fees and charges, including overdraft fees, transaction fees and charges for additional services.
 

Guide to Business Current Account Fees (PDF, 120KB)

Bankline is available to eligible Ulster Bank Business current account customers. Fees may apply.

Climate support for businesses

Access products, advice and resources to help with your environmental goals, as we work together to tackle climate change.

Security may be required. Product fees may apply. Finance only available for business purposes.

Visit our climate hub

Anything else we can help with?