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Get off to a great start with our account

Start up business account

We understand that choosing your bank account isn’t the most exciting part of your new business. And as you've probably got a million and one things on your to-do list right now, we'll make this bit quick. You can apply for our account in as little as 10 minutes (although it might take us a little longer to get everything set up).

What do you want from a start-up business account?

A time-saving app and online banking

Tick. Next. Criteria apply.

A safe place for your money

Absolutely. We’re a major high street bank, and deposits of up to £85K are backed by the FSCS.

A chance to save some money

We don’t charge transaction fees for the first year and a half, which could give you more money in your pocket to get your business up and running. Standard tariff fees apply thereafter.

What else could you get?

Know-how for business start-ups

We know starting out is tough, so we’ve got programmes and schemes like Business Builder to help you take the next step. You can tap into their support to move your business forward.

Support from award-winning accounting software*

Used by over 100,000 small businesses to monitor cashflow, send invoices and record expenses, you could run your business more efficiently with FreeAgent. It could also help you to stay on top of your tax as well.

Help from clever tech to make and take payments

Right now, with the world changing around us, more customers than ever are looking for digital ways to pay for goods and services. Tyl is our payment solution. It’ll make it simple for you to take and, more importantly, get money. Eligibility criteria and fees apply.

Our start-up account also gives you:

A speedy online application process that won’t take up too much of your time

Tools to help you bank whenever it suits you, using our simple online and app banking (criteria apply)

The option to access an overdraft if you need it (subject to approval).

Apply now

Thanks for choosing our Start up bank account. Let's get started.

Before you continue...

When applying, you can choose from a Business Start-up Account or a Loan Servicing Account. Please select the Loan Servicing account only if you have already applied for a loan and have chosen to open a Loan Servicing Account. This account can only be used for loan repayment purposes.

Are you...
OK, so you're an existing customer. Is the bank account for...

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

Your application can be completed online

This is the fastest way to complete your application.

1. HooYu is our trusted online identification and security partner.

2. We may use HooYu to check your identity by matching you to your Photo ID. It may also need you to provide proof of your address and business documents. Find out more.

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

By starting your application, you consent to the following:

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

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.

No problem.

You can complete the Additional Business Account form.

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

Your application can be completed online

This is the fastest way to complete your application.

1. HooYu is our trusted online identification and security partner.

2. We may use HooYu to check your identity by matching you to your Photo ID. It may also need you to provide proof of your address and business documents. Find out more.

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

By starting your application, 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

Your application can be completed online

This is the fastest way to complete your application.

1. HooYu is our trusted online identification and security partner.

2. We may use HooYu to check your identity by matching you to your Photo ID. It may also need you to provide proof of your address and business documents. Find out more.

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

By starting your application, you consent to the following:

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

Useful info about this account

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)

Simple fees

At the end of your 18-month free banking period, you’ll move on to our Standard Tariff.

Guide to Business Current Account Fees (PDF, 1.6MB)

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.

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?