Independent guides and comparisons of UK business bank accounts, built from what the banks themselves publish - fees, switching, payments, lending and Open Banking, in plain English.https://www.banksolutions.uk/en-gbSat, 05 Sep 2026 08:30:00 GMTeditor@banksolutions.uk (Bank Solutions)editor@banksolutions.uk (Bank Solutions)Copyright 2026 Bank Solutions60https://www.banksolutions.uk/images/banksolutions-logo.pnghttps://www.banksolutions.uk/https://www.banksolutions.uk/business-bank-account-fees-explained/https://www.banksolutions.uk/business-bank-account-fees-explained/Monthly fees, free periods, Faster Payments, Bacs, CHAPS, cash at the branch or the Post Office, cheques, international payments, card fees and unarranged borrowing - what each line on a UK business account tariff actually is, what the published tariffs charge for it, and a worked year for one small business on two different tariffs.Sat, 05 Sep 2026 08:30:00 GMTSam AllcockBusiness Accountshttps://www.banksolutions.uk/fscs-protection-vs-e-money-safeguarding-business-accounts/https://www.banksolutions.uk/fscs-protection-vs-e-money-safeguarding-business-accounts/Some UK business accounts are deposits protected by the Financial Services Compensation Scheme up to £120,000. Others are e-money, held under safeguarding rules with no compensation scheme behind them. This guide explains both regimes, what happens if a provider fails, how to check any provider on the FCA Register, and which providers in our comparison are banks and which are e-money institutions.Sat, 05 Sep 2026 08:30:00 GMTSam AllcockBusiness Accountshttps://www.banksolutions.uk/multi-currency-business-accounts-and-fx-fees-uk/https://www.banksolutions.uk/multi-currency-business-accounts-and-fx-fees-uk/What a multi-currency account is and how it differs from a sterling account with international payments, how exchange-rate mark-ups work against the mid-market rate, why SWIFT costs more than SEPA or ACH, how receiving with local account details works, and what a percentage above the mid-market rate costs in pounds - with the providers' own published figures.Sat, 05 Sep 2026 08:30:00 GMTSam AllcockPayments & FXhttps://www.banksolutions.uk/do-sole-traders-need-a-business-bank-account/https://www.banksolutions.uk/do-sole-traders-need-a-business-bank-account/No law requires a sole trader to hold one - HMRC's own guidance says a personal or business account may be used, subject to the bank. The rules that do apply are the bank's terms, HMRC's record-keeping requirements and, for limited companies, the separate-entity rule in company law. Here is what each says, in its own words.Sat, 05 Sep 2026 08:00:00 GMTSam AllcockGuideshttps://www.banksolutions.uk/how-to-open-a-business-bank-account-uk/https://www.banksolutions.uk/how-to-open-a-business-bank-account-uk/What UK banks ask for when you apply for a business current account, why the law makes them ask, what timings the banks actually publish, and the reasons applications are turned down - taken from the Money Laundering Regulations 2017, Companies House guidance and the banks' own application pages.Sat, 05 Sep 2026 08:00:00 GMTSam AllcockOpening & Switchinghttps://www.banksolutions.uk/how-to-switch-business-bank-account-cass/https://www.banksolutions.uk/how-to-switch-business-bank-account-cass/Pay.UK's Current Account Switch Service moves a small business's current account in seven working days with a guarantee behind it. Who qualifies, what moves, what does not, what the guarantee actually promises, and how the timeline sits against payroll and VAT dates - from Pay.UK's own pages and HMRC's deadlines.Sat, 05 Sep 2026 08:00:00 GMTSam AllcockOpening & Switching