Overlay

Start-up business bank account

What's your new business waiting for?

You get more with our Start-up account

Quick online application process

Free banking on everyday transactions for the first 2 years

Accounting software included from FreeAgent

Free support to help you grow

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.

The features you'd expect, and then some

  • Bank anywhere with Anytime Banking, our mobile app, and our network of branches or local Post Office
  • 24/7 messaging support, plus the option to give us a call or stop by your local branch
  • Instant payment notifications, in-app cheque deposit (limits and fees may apply), and business spending categories to help manage your money
  • Multi-director access so eligible directors can have full visibility of accounts and spending

Cash flow support

Loans and finance options

Explore options based on your size, your needs, and your goals. 

Security may be required. Product fees may apply. Subject to Status.
 

See your options

Information Message

Business Debit Card

Manage your everyday expenses with our Business Debit Card.

To apply for a Debit Card, you must be a business current account customer with Ulster Bank. Fees and charges may apply.

Find out more

Information Message

The flexibility of an overdraft

Our business overdraft helps you prepare for the unexpected. You’ll only pay interest on what you borrow.

Security may be required. Product fees may apply. Subject to Status.
 

Find out about overdrafts

Information Message

Business savings accounts

We’ve raised our rates across our savings account range. See if you could start earning more on your savings.

Eligibility criteria apply. 

View all business savings accounts

Information Message

Useful info about this account

Help to run your business as costs rise

We’re here to support you with real, practical help. Even if you’re just starting out, or you haven’t started your business yet, our hub could help. Discover our tools, resources and articles that’ll support you to prepare for any price rises. Use them to work out how you might be affected, what the future might cost and what actions you can take. 

Sustainable ambitions?

We’re here to help with your climate goals. We could provide support in the form of lending, advice and useful services and resources. Find out more about how we could help you develop a climate plan that works for your business and put it into action.

Need more information before you apply?

Switch to Ulster Bank

The Current Account Switch Service will do all the work, moving everything across from your old business account to your new one, all within 7 working days.
 

Current Account Switch Guarantee (PDF, 40KB)
 

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

Information Message

Info about charges

At the end of your 2-year free banking period, you’ll start to incur fees for your everyday transactions.

 

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

Information Message

Your money is protected

Your eligible deposits held by a UK establishment of Ulster Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Financial Services Compensation Scheme Guide (PDF, 45KB)

Information Message

Anything else we can help with?