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.
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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
To apply online your business must operate as a Sole Trader, Partnership or Limited Company and all owners must reside in the UK or Ireland. The Start-up business account is available for businesses that have been trading for less than 1 year and have a turnover of less than £1m. It is available for eligible customers who are over 18 and have the right to be self-employed in the UK.
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. Charges for unarranged borrowing, Bankline, international payments and any additional services are not part of the free banking offer. At the end of your 2-year free banking period, you’ll start to incur fees for your everyday transactions. The 2-year free banking offer is available to eligible customers opening a Start-up account from 26th June 2023 onwards.
FreeAgent is free for a long as you retain your business bank account. Optional add-ons may be chargeable.
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
Anytime Banking available to customers with an Ulster Bank account. App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.
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.
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.
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.
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.
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)
Info about charges
At the end of your 2-year free banking period, you’ll start to incur fees for your everyday transactions.
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.