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- Best small business accounts UK: pick the right one with basic or extra features
- Top 10 business accounts in the UK and why Fondy is the best choice
- Best business accounts in the UK for limited companies or sole traders: compare with banks and open online
- How to open business accounts, set up and create sub-accounts & start making global payments with Fondy
Top 10 business accounts in the UK and why Fondy is the best choice
In today’s fast-paced business environment, choosing among the top business accounts is essential for managing finances efficiently, especially for companies operating across borders. The UK market offers a wide array of top 10 business accounts, each designed with different features tailored to various business needs. This comprehensive guide explores the top 10 business accounts available in the UK in 2025, with a special focus on why Fondy stands out as the superior choice for modern businesses seeking flexibility, global reach, and integrated payment solutions.
What makes a great business account in 2025?
Before diving into our rankings of the top 10 business accounts, it’s important to understand what defines a standout account in today’s digital-first economy. The top business accounts typically offer:
- Ease of setup and management
- Competitive fee structure
- International payment capabilities
- Integration with payment processing
- Mobile and online accessibility
- Additional business tools and features
- Regulatory compliance and security
- Customer support quality
With these criteria in mind, let’s explore the top 10 business accounts available to UK businesses today.
Full list of the top 10 business accounts in the UK ⬇️
1. Fondy business accounts
Fondy leads our list of top business accounts thanks to its all-in-one ecosystem that goes far beyond a traditional business account. What truly sets Fondy apart is its seamless integration of business accounts with payment processing capabilities, allowing businesses to manage everything from a single platform.
Key features:
- Online setup in minutes without paperwork or branch visits
- Multiple account types: Standard (up to 3 accounts) and Master (unlimited sub-accounts)
- Hold and manage funds in GBP, EUR, and USD
- Instant access to funds with no settlement delays
- Dedicated business IBAN for international transactions
- Unified dashboard for managing multiple accounts
- Advanced security with FCA regulation and fund safeguarding
- Fully integrated payment gateway option
Fondy’s pricing starts at just £10 per month for business accounts, with card payments from 0.9% and open banking transactions at 0.7%. What makes this particularly attractive is the lack of hidden fees and the transparent pricing structure that scales with your business.
The ability to create unlimited wallets under a Master Account at no additional cost is a game-changer for businesses with complex financial needs. This feature allows companies to separate funds by department, project, client, or any other category while maintaining a consolidated view of all finances.
2. Revolut Business
Revolut Business is widely recognised among the top business accounts due to its multi-currency support and international payment capabilities.
Key features:
- Multiple currency accounts
- Physical and virtual cards
- API integration
- Expense management tools
While Revolut Business offers some attractive features, its customer service has received mixed reviews, with many users reporting difficulties in resolving issues promptly. Unlike Fondy, Revolut doesn’t offer the same level of integrated payment processing capabilities, requiring businesses to use separate systems for accepting online payments. Additionally, some advanced features are only available on higher-tier plans, increasing costs for growing businesses.
3. Starling Bank
Starling Bank’s mobile-first offering makes it a convenient option among top business accounts for small operations.
Key features:
- No monthly fees for basic accounts
- 24/7 customer support
- Integrated invoicing tools
- Interest on balances
Starling provides a solid offering for small businesses, but its limitations become apparent as companies grow. Unlike Fondy’s Master Account that allows unlimited sub-accounts, Starling’s ability to segment and manage funds for different purposes is more restricted. Additionally, while Starling offers some payment acceptance options, they don’t match the comprehensive payment gateway functionality that Fondy provides.
4. Tide business banking
Tide’s simplicity and speed of setup appeal to freelancers and micro-businesses, earning it a place in many top business accounts lists.
Key features:
- Quick digital setup
- Free transfers between Tide accounts
- Accounting software integration
- Invoice creation tools
Tide’s simplicity works well for very small businesses, but it lacks the robust features needed by growing companies with international operations. The platform has limited currency options compared to Fondy’s multi-currency capabilities. Additionally, Tide charges for cash deposits and has restrictions on transaction volumes that can become problematic as businesses scale.
5. Wise Business
Wise (formerly TransferWise) is a favourite for low-fee international transfers and often appears in top business account comparisons.
Key features:
- Excellent exchange rates
- Local account details in multiple countries
- Batch payment processing
- Multi-user access
While Wise excels at international transfers with competitive rates, it’s primarily a payment service rather than a comprehensive business account solution. Unlike Fondy, which offers a complete business financial ecosystem, Wise lacks integrated payment acceptance tools and the ability to create the same robust account structure with unlimited sub-accounts that Fondy’s Master Account provides.
6. HSBC business banking
As one of the UK’s largest banks, HSBC maintains a strong presence in the top business accounts category through traditional services.
Key features:
- Extensive branch network
- International banking connections
- Trade finance options
- Merchant services
As a traditional bank, HSBC comes with significant drawbacks that Fondy addresses. Account opening can take weeks rather than minutes, requires extensive paperwork, and often necessitates in-person branch visits. International payments typically incur higher fees and longer processing times compared to Fondy’s instant transfers. Additionally, HSBC lacks the flexible account structure and integrated payment processing that modern online businesses require.
7. Barclays
Barclays offers extensive financial tools and remains a fixture in top business account discussions.
Key features:
- Business lending options
- Dedicated relationship managers (for larger accounts)
- Physical branches
- Business insurance services
Similar to HSBC, Barclays follows the traditional banking model, which comes with inherent limitations in today’s digital economy. The account opening process is lengthy and complex, especially for businesses without a UK presence. Fund availability is often delayed, with card payments taking days to settle compared to Fondy’s instant access. The lack of flexible sub-account structures makes it difficult for businesses to organize finances efficiently.
8. Monzo Business
Monzo’s intuitive digital experience makes it a contender in modern top business accounts, especially for tech-savvy entrepreneurs.
Key features:
- User-friendly mobile app
- Tax pots for setting aside tax liabilities
- Integration with accounting software
- Fee-free UK transfers
While Monzo offers a sleek digital experience, its business accounts lack the depth of features that Fondy provides. The platform has more limited international payment capabilities and doesn’t offer the same level of sub-account functionality for complex business structures. Additionally, Monzo’s payment acceptance options are more limited, requiring businesses to use separate providers for online payment processing.
9. NatWest business banking
NatWest provides a range of accounts for different business stages and remains a classic choice among top business accounts.
Key features:
- Startup and established business packages
- Business credit cards
- Overdraft facilities
- Merchant services
NatWest, like other high-street banks, suffers from slow account opening processes, limited digital capabilities, and delayed access to funds. The fee structure is often complex with numerous charges for standard services that Fondy includes in its transparent monthly fee. The bank’s international payment options are more expensive and slower than the instant transfers available through Fondy’s platform.
10. Zempler Bank
Zempler Bank (formerly Cashplus) is often listed in top business accounts for its accessibility, especially for businesses without strong credit histories.
Key features:
- Fast online application
- No credit checks for basic accounts
- Expense management tools
- UK-based customer support
While Zempler Bank provides quick access, it has higher fees for many standard banking services compared to Fondy’s transparent pricing. Its international payment capabilities are limited, and the platform lacks the sophisticated sub-account structures that Fondy’s Master Account offers. Additionally, Zempler Bank doesn’t provide integrated payment processing, requiring businesses to manage separate systems for accepting payments.
Why Fondy outshines the competition
IAmong the top 10 business accounts, Fondy emerges as the unequivocal leader, redefining what businesses should expect from their financial partner in 2025. By blending cutting-edge fintech innovation with the trust and compliance of a regulated institution, Fondy delivers a financial ecosystem that empowers businesses to operate with unmatched efficiency, agility, and global reach. Whether you’re a startup navigating your first international transaction or an established enterprise managing complex, multi-currency operations, Fondy’s tailored solutions set it apart as the ultimate choice.
Here’s why Fondy is not just a business account provider but a transformative force for modern businesses:
Unlimited wallets for easy organisation
Fondy’s Master Account lets you create unlimited wallets at no cost, unlike Starling’s limited options. Split funds by project, client, or team – like an e-commerce store separating stock and ad budget, all in one dashboard. This keeps finances clear and flexible, no matter your business’s size or complexity.
Multi-currency with no extra fees
Fondy supports GBP, EUR, and USD accounts, perfect for global trade. Unlike HSBC’s high conversion fees, Fondy offers fee-free multi-currency management. A UK firm with US clients can handle payments in dollars, cutting costs and simplifying admin, all within a single, seamless platform.
Instant funds access
Fondy provides immediate access to card and open banking funds, unlike Barclays’ multi-day delays. This ensures retailers or freelancers can pay suppliers or reinvest quickly, keeping cash flow smooth. Instant settlements mean your business stays agile and ready for growth without waiting on slow banking processes.
Affordable global transfers
Fondy’s competitive rates and dedicated IBANs make international payments painless, unlike HSBC’s £20 fees. SMEs or e-commerce businesses can expand globally without hefty charges. Transparent pricing ensures costs stay low, letting you focus on growth rather than hidden transfer fees eating into profits.
Fast, paperless setup
Open a Fondy account online in minutes, no paperwork or branch visits needed. Unlike NatWest’s weeks-long process, Fondy’s quick onboarding suits freelancers or multinationals alike. Start managing funds instantly, saving time and hassle, especially for businesses without a UK base.
Integrated payment system
Fondy’s built-in payment gateway handles card payments (from 0.9%) and open banking (0.7%) in one platform. Unlike Revolut’s separate systems, Fondy lets online stores process sales and manage payouts seamlessly, reducing complexity and costs for businesses relying on global online transactions.
Top-notch security
FCA-authorised, Fondy uses PCI DSS Level 1, encryption, and two-factor authentication to protect funds. It rivals big banks’ security but moves faster, giving businesses confidence. Your money stays safe, whether you’re handling small transactions or large volumes, without heavy bureaucracy.
Transparent, scalable pricing
Fondy’s pricing starts at £10/month with no hidden fees. Standard Accounts suit small firms; Master Accounts offer unlimited sub-accounts for enterprises. Unlike Cashplus’s high charges, Fondy scales affordably, ensuring you only pay for what your growing business needs, with clear costs upfront.
Reliable support and tools
Fondy offers UK-based support and tools like invoicing and APIs, unlike Revolut’s inconsistent service. Its real-time dashboard tracks cash flow and transactions, helping you make smart decisions. Responsive assistance and practical features keep your business running smoothly, no matter the challenge.
A vision for the future of business banking
Fondy isn’t just keeping pace with the demands of modern business – it’s setting the standard. By addressing the pain points of traditional banking (slow processes, high fees, limited flexibility) and surpassing the capabilities of other digital providers, Fondy offers a forward-thinking solution that aligns with the realities of today’s global, digital economy. Its commitment to innovation is evident in features like instant settlements, unlimited sub-accounts, and integrated payment processing, which collectively empower businesses to operate smarter, faster, and more profitably.
For businesses seeking a financial partner that combines reliability, innovation, and scalability, Fondy is the clear choice. It’s not just about managing money – it’s about unlocking your business’s full potential in an interconnected world.
Conclusion: the clear choice for modern businesses
After examining the top 10 business accounts available in the UK, it’s evident that Fondy stands apart as the superior choice for modern, forward-thinking businesses. By combining the reliability of a regulated financial institution with the innovation and flexibility of a fintech platform, Fondy addresses the limitations of traditional business banking while providing features that other digital alternatives simply can’t match.
From its seamless integration of business accounts and payment processing to its flexible account structures and instant access to funds, Fondy has reimagined business banking for the digital age. Whether you’re a small business just starting out or an established enterprise with complex financial needs, Fondy provides the tools, flexibility, and support to help your business thrive.
In an increasingly global and digital business environment, the limitations of traditional business banking become more apparent each day. Fondy offers a refreshing alternative that aligns with how modern businesses actually operate – online, globally, and at speed.