finder

Business Account Needs Finder

Turn how you actually work into a neutral checklist of account features to compare.

What you get: A needs summary and a provider-neutral comparison checklist.

Your figures

Live

Account complexity score1
Low: a simple free or low-fee account with a card and app is likely enough.
Must-have features to shortlist4
Count of the requirements your answers generate, listed under the form.
Cash deposited per month£300.00
Low enough that cash-deposit fees are unlikely to drive the decision.
Monthly money in£8,000.00
Used to judge whether free-tier transaction limits will be enough.
Payments in and out per month40
Within the free allowance on most accounts.

As a sole trader you can legally use a personal account, but a separate account makes records, tax and any future borrowing far easier.
This is a needs list, not a recommendation of any named provider. Compare current terms yourself before you apply — fees and features change.

How this is worked out

This tool produces a checklist, not a recommendation table. It does not rank providers.
Where a partner product is genuinely relevant, it is shown as one option among alternatives, with its limitations.

Results are planning aids based on figures you enter. They are not financial, tax or legal advice, and no price is guaranteed to be accepted.

Disclosed partner offer

The account or card most trades use for this

A referral reward is not a recommendation. Check the terms and decide on the numbers you have just worked out.

Business bank account

Free business account with invoicing, payment links and expense cards — plus £200 free cash with code REFER200. No credit check, open in about five minutes.

£200 free cash when you open a Tide business account with code REFER200

Referral codeClick to copy

Claim £200 free Read the review

T&Cs apply. £75 free when you complete transactions of £100 within 30 days, and another £125 free when you deposit at least £5,000 in a Tide Instant Saver within 7 days. Affiliate link.

Where this fits

Business Money