Which business account is right for you?

Nine UK business accounts, and the right one comes down to four things: your business structure, whether you handle cash, your credit file, and what you need the account to do beyond holding money. Answer the four questions below and this tool matches you to the account that fits, with a runner-up if you want a second option. No email, no sign-up, figures checked 4 July 2026.

The nine accounts at a glance

Every account below is compared on the same verified figures the quiz uses. If you would rather scan than answer questions, this is the shortlist and what each one is best at.

How the quiz picks

The four questions map to the four things that actually rule accounts in or out. Yourstructure decides eligibility: Revolut's UK account is limited-company first and Starling splits sole traders onto a separate account, while only Tide and Card One take partnerships.Cash is a hard filter, because Mettle, Wise and Revolut take none at all. Acredit worry points to the two providers with a published no-credit-check promise, Zempler and Card One. And your priority separates the free-and-simple accounts from the ones that earn their keep with bookkeeping, tax pots, invoice chasing, currency tools or company formation. The match is the account that clears every filter and scores highest on your priority, never the one that pays us most.

The honest caveats

A quiz narrows the field, it does not replace reading the account's own terms. Free plans meter usage: Tide limits transfers and invoices, Monzo's Tax Pots and invoicing need the £9 Pro plan, and Zempler gives three free payments a month then charges 35p. E-money accounts such as Tide, ANNA, Wise, Revolut and Card One are safeguarded rather than FSCS-protected, which matters for large balances. And take-home features aside, a licensed bank with FSCS cover is the safer home for your float. Treat the result as a strong starting point, then confirm the current fees on the provider's page before you open.