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An account for all types of businesses

Business bank account

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.
  •  

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Lending and cash management

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

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Ways to grow your business network

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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. 

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)

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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.

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.
Are you...
OK, so you're an existing customer. Is the bank account for...
What is your estimated annual turnover?

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

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.
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.

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.

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.

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

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.

No problem.

You can download the PDF form below to open additional accounts for businesses that we already hold accounts for.

To download the form:

  • Download Adobe Acrobat Reader (free download)
  • Right-click the link below and select 'save as' to download it to your computer (not a phone or tablet)
  • Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader’


Download additional account form (PDF, 3MB)


(The form will not open in your browser. Please follow the instructions above.)


To send the form back to us:

  • If you’re a business customer (turnover under £6.5m) , email the completed form to Business Banking Support NI.
  • If you’re a commercial customer (turnover over £6.5m), please return the completed form to your dedicated service team. If you do not know who this is, email it to Corporate & Commercial Services Team.


If you need support, contact your Relationship Manager or call us on:

  • Business Banking
    0345 366 5592
    Relay UK: 18001 0345 366 5592
  • Corporate & Commercial Services
    0345 601 4817
    Relay UK: 18001 0345 601 4817
What is your estimated business annual turnover?

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

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.
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.

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.

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.

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

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.
What is your estimated annual turnover?

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

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.
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.

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.

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.

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

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.

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.

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Sector Expertise

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

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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)

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Business account terms

Read our Business account terms document.

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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.

Anything else we can help with?