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Business Bank Accounts

Morning all,I have a business account with Natwest, which from May I start paying their business account fees. I'm not vat reg. and not Ltd so is it worth me having a business account or should I just set up a separate personal account for payments?Thanks

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Replies

  • I'm an ST non VAT registered. I'm with Natwest and pay £5 a month. 99% of my ins and outs are online. Personally I would stick with what you have. I have heard stories of banks getting really funny about people using personal accounts for a business
    • PRO
      Agree with James.
      I'm almost sure they can close your personal accounts if you try and use them for business. This then gets logged on credit ratings agency's lists.
      Santander is £7.50 a month. Or join the FSB £130 for sole trader no employees and use the coop free.
  • Having a business account is just a cost of trading.

    The two big advantages are easy separation of personal/business accounts for the taxman, and it looks professional when clients pay in to a business account.

    • PRO

      +1 Agree & good answer :)

  • PRO
    Thanks everyone, my main quibble was charges for every aspect of moving money around, but I suppose it's just tough!
  • PRO

    Are there not multiple business tariffs you can select from ? Often selecting the next tier up costs slightly more but can give unlimited free online tranactions. I liken it a bit to mobile phone tariffs, you have to profile your use and select accordingly.

    Ath the end 2014, we had the choice of staying on expensive branch based tariff or moving to an e-tariff. At that time most of our payments came by cheques, so it caused us to talk to all our commercial clients and now we only receive 4 cheques a month with all the others being BACs or online payments.

    • They do offer an online one which is £5 a month! All online and atm transactions are free with the exception of a couple of online payment options.

      Basically if you survive without using the counter and such like then it's cheap!!
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