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Business bank accounts

Apply for an account with an overdraft

Starting at £0 monthly. Business bank accounts that are easy to use and fully regulated

Choose your account
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Apply for an account with an overdraft
FSCS protected logo
Current account switch service logo
Business Bank Awards finalist 2025 logo

Business accounts made for self starters

Business Go

£0 monthly

Simple and secure banking that gets the job done.

  • Apply in minutes and bank in-app or online once approved

  • Sending money: 3 free payments & transfers a month (35p after) 

  • Pay in cash at any of the UK’s 11,500 Post Offices

  • Send and receive international payments

  • FSCS protection up to £85,000 on eligible deposits

  • Overdraft with instant decision (eligibility criteria apply)


    Apply for Business GoEligibility criteria

    Business Extra

    £9 monthly

    Smart banking built for payments.

    • Up to 0.5% cashback on card spend. Limits apply, see 'Show all fees' for details

    • Sending money: 20 free payments & transfers a month

    • In-app messaging support 

    • Free cash withdrawals in the UK and abroad

    • Opt-in to Business Creditbuilder

    • Overdraft with instant decision (eligibility criteria apply)


      Business Pro

      £19/month

      The best of everything to help your business boom.

      • Up to 1% cashback on card spend. Limits apply, see 'Show all fees' for details

      • Sending money: 500 free payments and transfers a month

      • 0.75% interest earning savings pot (Limits apply. See 'Show all fees' for details)

      • Dedicated Pro support team and in-app messaging

      • Fee-free card spend abroad

      • Overdraft with instant decision (eligibility criteria apply)


        Business Go

        £0 monthly

        Simple and secure banking that gets the job done.

        • Apply in minutes and bank in-app or online once approved

        • Sending money: 3 free payments & transfers a month (35p after) 

        • Pay in cash at any of the UK’s 11,500 Post Offices

        • Send and receive international payments

        • FSCS protection up to £85,000 on eligible deposits

        • Overdraft with instant decision (eligibility criteria apply)


          Business Extra

          £9 monthly

          Smart banking built for payments.

          • Up to 0.5% cashback on card spend. Limits apply, see 'Show all fees' for details

          • Sending money: 20 free payments & transfers a month

          • In-app messaging support 

          • Free cash withdrawals in the UK and abroad

          • Opt-in to Business Creditbuilder

          • Overdraft with instant decision (eligibility criteria apply)


            Business Pro

            £19/month

            The best of everything to help your business boom.

            • Up to 1% cashback on card spend. Limits apply, see 'Show all fees' for details

            • Sending money: 500 free payments and transfers a month

            • 0.75% interest earning savings pot (Limits apply. See 'Show all fees' for details)

            • Dedicated Pro support team and in-app messaging

            • Fee-free card spend abroad

            • Overdraft with instant decision (eligibility criteria apply)


              Please note that our instant decision business overdraft isn't currently available for sole traders but will be soon. 

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              Overdraft with instant decision

              You can apply for a business overdraft when you open a business bank account, or, if you're already a business bank account holder, you can check to see if you've been invited to apply via the Bank App or Online Banking.

              Your overdraft is designed to work exactly when you need it - bridging gaps between invoices, covering unexpected expenses, or helping you seize time-sensitive opportunities. 

              Please note, sole traders are currently unable to apply for a business overdraft at the same time as they open an account.   

              However, if your account has been open for at least 3 months, we'll contact you via SMS, or a message in Online Banking/Bank app when you become eligible to apply for one. Eligibility criteria apply.

              Business overdraft FAQs

              Apply for a business account
              • Google Pay can be used wherever you see these symbols:

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              © 2025 Zempler Bank


              Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. 

              For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

              Zempler Bank provides credit facilities subject to approval and affordability, and where accounts continue to meet Zempler Bank credit criteria.