Our Ecommerce Bank Account Picks
Cross-border sales favour Revolut, local receiving accounts favour Airwallex or Wise, and a UK-only store has little reason to pay for either. Tide earns its place when invoicing and bookkeeping take more time than currency conversion.
Best Overall
If your store invoices or takes card payments in more than one currency, Revolut Business is our all-round pick. It holds 25+ currencies natively and settles at the interbank rate up to the plan allowance.
Since the PRA granted Revolut a UK banking licence on 11 March 2026, eligible deposits held by Revolut Bank UK Ltd are FSCS-protected up to £120,000 per depositor. Accounts still on the older Revolut Ltd e-money entity stay safeguarded until they migrate, so check which entity holds yours.
If your store sells exclusively to UK customers and Stripe converts everything to GBP before payout, you’re paying for capability you won’t use. Revolut tops the list on cross-border infrastructure, not on entry-tier price.
Get £100 bonusBest for International Sellers
For regular overseas revenue where you want local receiving accounts, Airwallex holds 60+ currencies and gives local receiving accounts in 20+ markets, so a US customer pays into a US routing number rather than sending a SWIFT transfer.
Airwallex prices major-currency conversions at 0.5% above interbank and other currencies at 1%. That makes its batch payouts useful when overseas suppliers are paid regularly, although the currencies you use decide which rate applies.
It’s e-money safeguarded, not FSCS protected. That is a different protection mechanism, not a smaller version of FSCS, so many sellers keep day-to-day international flows here and hold longer-term operating cash in an FSCS-covered bank account.
Airwallex costs £19 a month, but the fee falls to nothing when monthly deposits reach £10,000. Below that level, the international payment tools must save enough to justify keeping another paid account.
See Airwallex’s local accountsBest for UK-Only Stores
When overseas revenue is a rounding error, Starling Business fits: it is free, PRA-licensed since 2018, FSCS-protected to £120,000, and bundles FreeAgent for sole traders.
It’s a clean Stripe or Shopify payout target with no per-transaction charge. For UK-only ecommerce, That makes Starling our first choice for a UK-only store.
The standard account is GBP-based, though you can add a Starling EUR account at £2/month and a USD account at £5/month (new USD applications are currently paused). Stripe still converts and pays out in GBP at around 2% above mid-market. For a UK-only seller with only occasional overseas orders, that’s cheaper than running two accounts.
Get Starling’s FSCS coverBest for Invoicing and Bookkeeping
Tide suits service-led stores that send invoices alongside online sales. Its built-in invoicing can remove a separate Xero or QuickBooks subscription, although transfer charges still need to be included in the account cost.
It feeds Xero, QuickBooks, FreeAgent and Sage, the widest accounting reach on this page. The application takes under 10 minutes and uses a soft credit check.
The cost to watch: 20p per outgoing UK payment on Tide Free. Tide Smart (£12.49/month) never undercuts Free on transfers; only Tide Pro (£27.49, unlimited) does, past about 143 outbound payments a month.
Open a Tide accountBest for Marketplace Sellers
For marketplace sellers active on Amazon.com, eBay.com or Etsy, Wise Business gives local receiving accounts in 10+ currencies, so the marketplace pays out in USD or EUR rather than converting at its own rate (on Amazon, the Currency Converter for Sellers, or ACCS).
The difference at scale is meaningful. Amazon’s ACCS converts at a tiered fee of around 1.5% above mid-market. Wise converts at the mid-market rate with a fee from 0.33%, which varies by currency and amount. On £15,000 of US sales, moving conversion to Wise saves a meaningful share of Amazon’s 1.5%, though the exact figure depends on Wise’s live USD-to-GBP fee.
It’s e-money safeguarded, not FSCS. Treat Wise as a routing layer between marketplaces and your primary account, not the place you hold a working balance.
Save on FX fees with WiseBusiness Bank Account Providers Compared
The useful differences here are total cost, seller fit and the restrictions that rule an account out. Each provider block uses pricing checked directly against its fee schedule and carries its own verification date.
Revolut Business Basic Account
Airwallex Business Explore Account
Starling Bank Business Current Account
Tide Free Business Account
Wise Business Account
ANNA Business Account (Free plan)
What These Ecommerce Business Bank Accounts Really Cost
The monthly fee is only one part of what the account costs your store. FX on overseas settlements, charges for receiving payouts and per-transaction fees recur with every trading month, so they can matter more than the price shown beside the account name.
The cheapest monthly plan is rarely the cheapest account for your store. The table below sets the cost lines side by side: add up only the ones you will actually pay, particularly foreign-currency conversion, incoming-payment charges and fees on regular supplier payments.
| Provider | UK transfer | Cash deposit | FX markup |
|---|---|---|---|
| Starling | Free | 0.7% (Post Office) | Mastercard rate, no markup |
| Tide Free | 20p | 3% (PayPoint) | Mastercard rate, no markup |
| Revolut | Free | Not accepted | Interbank to allowance, then 0.6% |
| Airwallex | Free | Not accepted | 0.5% to 1% |
| Wise | Free | Not accepted | Mid-market + fee from 0.33% (varies by currency) |
| Mettle | Free | n/a | n/a |
| ANNA | Free | PayPoint, no charge published | n/a |
| Verified September 2026. | |||
Transfer fees barely register for a typical store: Starling, Mettle, Revolut, Airwallex and Wise are free on UK Faster Payments. Tide Free’s 20p never breaks even against Tide Smart (£12.49); only Tide Pro (£27.49, unlimited) pays off, past about 143 a month.
For a pure online store, cash handling barely matters. If you also run pop-ups or markets, only Starling (0.7% at the Post Office) and Tide (3% at PayPoint) take deposits; the rest force a second account.
FX is the line that separates ecommerce from every other banking choice. We ran a worked example: if your existing account’s effective FX cost is 2.75%, converting £20,000 a month costs about £550. Revolut within its interbank allowance, or a provider at about 0.5% (roughly £100), saves in the region of £450 a month, about £5,400 a year.
For UK-only stores FX never hits the statement; for cross-border stores it is the biggest reason a free account costs more than a paid multi-currency tier.
Revolut Grow (£35/month, or £30 paid annually) works out cheaper than Basic once monthly FX passes about £5,200, because its larger interbank allowance offsets the higher fee; Scale (£125/month, or £90 paid annually) is for much higher volumes. Airwallex Explore (£19) is waived above £10,000 of deposits.
Base the tier on the FX you actually ran last quarter, not the volume you are forecasting.
Three Worked Cost Scenarios
The same account can be cheap for a UK-only store and expensive once overseas takings need converting. Each worked case states its assumptions, so you can replace them with your own sales and payment pattern rather than borrowing a result that does not fit.
| Scenario | Monthly assumptions | Best-fit account | Worked cost |
|---|---|---|---|
| UK-only Shopify store | £50,000 GBP turnover, negligible FX | Starling or Tide | Starling: no monthly, UK transfer or FX fees; about £0/year. Tide Free: £0/month, then 20p after five transfers/month. |
| International Shopify or DTC store | £20,000 a month converted to GBP | Revolut Grow or Wise | Revolut Grow: about £65/month (£780/year). Wise: from about £66/month (£800/year). Account at 2.75%: about £550/month (£6,600/year). |
| Amazon UK and EU seller | £15,000 a month in EUR sales, plus UK costs | Wise or Airwallex local EUR receiving | Amazon Currency Converter for Sellers: about £225/month. Local EUR receiving: about £50–£75/month, saving roughly £150–£175/month. |
| Assumptions shown per row; provider fees checked September 2026. Your figure depends on your exact volumes, plan and the live FX fee at the time. | |||
Revolut Grow combines its £35 monthly fee with £30 at 0.6% on the £5,000 above its £15,000 allowance. Wise’s estimate applies its published starting fee of 0.33% to £20,000; it is an illustrative minimum, and the live USD-to-GBP fee may be higher. Amazon Currency Converter for Sellers (ACCS) charges a volume-tiered fee, modelled here at 1.5% on £15,000. The local EUR alternative uses a conversion cost of about 0.33% to 0.5%.
Ecommerce Platform Payout Compatibility
A sort code on its own does not guarantee that a payout system can pay into an account. The table below shows which of the six work with each payout route, checked against each platform’s own rules in September 2026.
| Account | Shopify Payments | Amazon | Stripe | PayPal withdrawal |
|---|---|---|---|---|
| Starling | Yes (GBP current account) | Yes (Amazon UK, GBP) | Yes | Yes |
| Tide | Yes (GBP current account) | Yes (Amazon UK, GBP) | Yes | Yes |
| Revolut | Yes (GBP current account) | Yes (Amazon UK, GBP) | Yes | Yes |
| Wise | Check: e-money account, may be excluded, use a bank | Yes (Amazon PSP member; local USD/EUR receiving on Advanced) | Yes (supported account details) | Check |
| Airwallex | Check: e-money account, may be excluded, use a bank | Yes (local USD/EUR receiving) | Yes | Check |
| ANNA | Check: e-money account, confirm first | Yes (Amazon UK, GBP) | Yes (GBP) | Yes (GBP) |
| Checked September 2026 against Shopify, Amazon, Stripe and PayPal payout rules and each provider’s documentation. Shopify Payments needs a UK GBP current account and excludes savings, flex-currency and money-transfer-style accounts, so a bank account is the safe payout target. Amazon UK pays GBP to a UK bank account; overseas Amazon pays local currency to a provider on its PSP list. | ||||
Use a UK current account such as Starling, Tide or Revolut for Shopify Payments and Stripe. For Amazon and other marketplace payouts in dollars or euros, Wise or Airwallex can receive the original currency before the marketplace converts it.
Eligibility and Account Requirements
Your legal structure can remove an account from the shortlist before pricing matters. Sole traders, limited companies, partnerships and LLPs do not have the same provider access, while marketplace sellers may also face source-of-funds checks. The eligibility positions below were checked against each provider’s documentation.
Sole Traders
Sole traders have four options on this shortlist: Tide, Starling, Wise and ANNA all accept them directly.
Revolut Business does not. Its accepted entities are limited companies, LLPs and partnerships, and the UK is missing from its list of supported freelancer markets. Sole traders get pointed at Revolut Pro, a fee-free product in the personal app, not a business account.
Revolut markets hard to the exact seller this page attracts. A sole trader can get most of the way through the application before the entity screen rules them out.
Airwallex targets limited companies too. Its eligibility rules require a fully incorporated business, so sole traders are not a fit here; a sole trader should look to Tide, Starling, Wise or ANNA instead.
A brand-new Shopify or Etsy sole trader with no trading history will get further with Starling or Tide. Both open in under 10 minutes on a soft credit check, and neither asks for invoices.
Limited Companies
For a UK limited company, the shortlist stays at six: every provider on this page accepts standard LTDs. Airwallex and Revolut Business are the stronger picks for LTDs with overseas directors or non-UK-resident shareholders.
Tide and Starling cover any standard UK LTD configuration. Starling also accepts LLPs; Tide does not.
Directors with thin UK credit files should expect identity verification to take an extra step. A soft credit check does not affect personal credit, and ID verification still requires a UK address and government ID.
Airwallex and Wise handle overseas-resident verification routinely. Tide and Starling require UK residency.
Partnerships
If your business is a partnership, the field narrows fast. Starling accepts Limited Liability Partnerships; Tide does not. ANNA accepts general partnerships. Revolut Business accepts LLPs and partnerships, though not UK sole traders. Airwallex is built for limited companies and LLPs. Wise is the exception here: it accepts sole traders, limited companies, LLPs and partnerships.
The way round this constraint is to incorporate. An LTD costs £100 at Companies House, usually within a day or two though checks can push it out further, removing the eligibility wall.
Credit Checks and Application Criteria
The type of credit check matters if you are planning a personal credit application soon, such as a mortgage. These account applications rely mainly on identity and business (KYC/KYB) checks. Where a credit check applies at application it is a soft search, which doesn’t register on your credit file or affect your score. Confirm the check type with the provider if a hard search would be a problem.
Hard credit checks come later, and only if you apply for a business loan (Tide) or a business credit card (Tide). Starling is not currently accepting applications for business overdrafts or loans. The bank account application itself doesn’t trigger them.
For overseas-resident founders, expect an additional ID verification step. Airwallex and Wise process this routinely. Tide and Starling require a UK address and a UK passport or driving licence.
Business Bank Account Features That Matter Most
We weight the three layers your store actually uses: payment processor integration depth, accounting and ecommerce platform plugins, and multi-currency receiving infrastructure. The rest rarely changes the decision.
Accounting Integrations
Your accountant’s software often settles the bank account choice on its own. Tide has the widest accounting reach: Xero, QuickBooks, FreeAgent and Sage.
Starling covers Xero, QuickBooks and FreeAgent. Revolut, Airwallex and Wise all feed Xero and QuickBooks. Revolut and Wise also connect to FreeAgent; Airwallex adds NetSuite instead. ANNA runs its own ledger and exports rather than syncing live.
Sage users have the narrowest choice: Tide is the only direct feed, and the rest export CSVs you import by hand, which adds a manual step to every reconciliation.
Invoicing Tools
If you bill clients manually rather than through Shopify checkout, in-app invoicing can remove a separate subscription and keep payment reminders beside the account receiving the money. It matters far less to a store whose sales all pass through the checkout.
Tide and ANNA build invoicing into the banking app, with templates, reminders and Pay-by-Link buttons that route into the same account. Starling now bundles free native invoicing on its sole trader account too. Useful for B2B ecommerce and service-led stores where Shopify or WooCommerce invoicing is overkill.
Revolut, Wise and Airwallex leave invoicing to your accounting software or ecommerce platform. For a B2C store on Shopify Payments, you don’t need bank-app invoicing at all.
Interest and Overdrafts
Holding meaningful working capital changes the maths: interest on operating balances can pay the monthly fee twice over.
Starling pays interest on operating balances (rate varies) but is not currently accepting applications for business overdrafts or loans. Tide pays interest on a separate Tide Save product. Revolut Business pays interest on a Savings Vault product, also separate from the operating account.
Airwallex, Wise and ANNA don’t pay interest on operating balances. At £50,000 of held balance and a 3% rate, that’s £1,500 a year, several times the cost of Tide Smart.
App and Day-to-Day Banking
If you’re giving a virtual assistant or bookkeeper limited access, multi-user role permissions matter more than any other app feature.
All six provide in-app chat support, push notifications on every transaction, instant card freeze and two-factor authentication. The baseline is much the same across all six.
We rate Revolut and Airwallex strongest on role permissions, useful when you don’t want to hand over your full login. Tide, Starling and Wise offer multi-user access but with less granular permission control. ANNA is single-user only at the time of writing.
How to Choose the Right Ecommerce Business Bank Account
The right ecommerce bank account depends on three things: the share of revenue in non-GBP currencies, your payment processor and platform stack, and how much admin overhead you want the bank to absorb.
Start with the currency your takings arrive in, then narrow the options by payout compatibility, legal structure and accounting software. Those conditions usually settle the choice before app design or brand familiarity enters it.
One Account or Two?
Most stores need one account. A second, specialist account earns its place only when overseas money movement is a real line in your figures.
| Your situation | Likely structure |
|---|---|
| UK-only GBP sales | One current account |
| Meaningful foreign receipts or supplier payments | A UK bank account plus a multi-currency account may help |
| Marketplace-heavy international seller | A multi-currency receiving layer plus an operating bank |
| Large operating cash balance | Keep protected operating cash in an FSCS-covered bank |
Choose by Payment Volume
When only a little of your revenue is non-GBP, a UK-only account (Starling or Tide) is usually enough, and your processor’s built-in FX costs less than the overhead of a second account and a second reconciliation.
As regular foreign receipts grow, compare Revolut and Wise: Revolut Grow overtakes Basic at about £5,200 of monthly FX (see the cost scenarios above). Where you need local receiving accounts, batch supplier payouts or heavier international complexity, Airwallex becomes more relevant. Use the worked cost table to find your own break-even rather than a fixed revenue band.
Choose by Cash Handling Needs
If you only sell online, skip this section. For pop-ups or in-person collection alongside the website, Starling at 0.7% via the Post Office is the most accessible and the cheaper option. Tide costs more: 3% via PayPoint, or 0.99% over £500 at the Post Office.
Revolut, Airwallex and Wise don’t accept cash deposits at all. ANNA’s account page and terms name PayPoint with no published charge, but one of its own guides says cash deposits are not supported. For a hybrid online-and-market operation, that contradiction rules ANNA out as a dependable primary account.
Choose by Business Type
Sole trader, UK-only customers: Starling or Tide. Limited company with overseas customers: Revolut or Airwallex. Marketplace seller active on Amazon.com, eBay.com or Etsy: Wise or Airwallex for local receiving accounts.
Subscription or recurring billing ecommerce: Tide if you invoice in the app, Starling if you do not. B2B ecommerce with custom-quote invoicing: Tide or ANNA for built-in invoicing tools.
Choose by Admin and Bookkeeping Needs
When two accounts look equally strong on FX and eligibility, your accountant’s software usually breaks the tie. FreeAgent: Tide or Starling. Sage: Tide is the only direct feed on this page. Xero or QuickBooks: any of the six will work, so the decision falls back to FX and eligibility.
Where invoicing matters more than bookkeeping, Tide and ANNA remove a separate Xero or QuickBooks invoicing subscription; where bookkeeping matters more, Starling and Tide give the deepest live feeds. Weight whichever of the two your business leans on more.
How to Switch Ecommerce Business Bank Accounts
Switching an ecommerce bank account has one extra step over a standard switch: every payment processor and marketplace payout destination has to be updated by hand.
The Current Account Switch Service (CASS) handles standing orders and direct debits, but it does not touch Stripe, Shopify, Amazon, PayPal or Square payout settings.
Plan the switch in order: move processors first, marketplaces second, keep the old account open for 60 days, and reconcile both weekly until you are certain every recurring credit has migrated.
Which Providers Support CASS
Only Starling, Allica, Monzo and Tide (via ClearBank) support the full seven-working-day automated switch managed by Pay.UK. Revolut, Mettle, ANNA, Wise and Airwallex do not support CASS for business accounts, so standing orders and direct debits migrate by hand.
For an ecommerce seller, CASS matters less than it sounds. Most of your inbound traffic is processor payouts (Stripe, Shopify, marketplaces), and CASS doesn’t touch those at all.
Outbound direct debits to suppliers, VAT and software subscriptions are the migration cost: non-trivial, but a 30-minute job rather than a week.
When to Switch From an Introductory Offer
If you’re on an HSBC 18-month or Co-op 30-month free period, switch out before the revert date, not after. High-street introductory offers revert to standard pricing automatically.
Set a calendar reminder two months before the end date so you can switch out, not renegotiate. High-street banks rarely match an extended free period.
For an ecommerce store, time the switch to a quiet trading week. During a peak like Black Friday, a payout-account change colliding with a Stripe migration risks a missed settlement when your volumes are highest.
How to Avoid Disruption
The single most important step is to keep the old account open for 60 days after switching, with a small float to cover any direct debits that route the wrong way.
Update payout destinations in this order: processors first (Stripe, Shopify Payments, Square), then PayPal, then marketplaces (Amazon, eBay, Etsy).
Processors clear daily or weekly. Marketplaces hold larger settlement balances, so a missed marketplace payout is more painful.
Reconcile both accounts weekly for the first month. Any payment that bounced, routed wrong or arrived late shows up in that window. Catch a problem late and you are piecing it back together from email receipts and processor dashboards.
Final Verdict
The account that suits your store is decided by where your money arrives, not by which name you already recognise. Work out what share of your revenue lands in something other than sterling, then read the shortlist again. That one figure moves the answer further than monthly fees, app design or how fast you can open the account.
Revolut Business is our overall pick for a store selling across borders. It holds 25+ currencies in one account, converts at the interbank rate up to your plan allowance and 0.6% beyond it, and now that Revolut holds a UK banking licence, eligible deposits held by Revolut Bank UK Ltd sit under FSCS protection to £120,000; accounts still with Revolut Ltd remain safeguarded until they migrate, so check which entity holds yours. For accounts on the bank entity, the old trade-off between a proper bank and a decent exchange rate has gone. If everything you sell is priced in pounds and Stripe converts before it pays you, though, you are paying for machinery you will never switch on.
We put Starling first for a UK-only store. There is no monthly fee and no charge on UK payments in or out, so a Stripe or Shopify payout arrives with nothing shaved off it, and the balance is FSCS-protected. It is GBP-based; you can add a EUR account (£2/month) and a USD account (£5/month, new applications currently paused), but it is not a full multi-currency account like Revolut or Wise, and that is the honest limit: once overseas sales are a real line in your accounts rather than the occasional order, you are running a second account alongside it whether you planned to or not.
Airwallex and Wise both earn their place when the money comes in from abroad, and they answer slightly different problems. Airwallex gives you local receiving accounts in more than 20 markets, so an American customer pays into a US account number instead of sending an international transfer, and its £19 monthly fee disappears in any month you deposit £10,000 or more. We rate Wise the cleaner answer where marketplaces are the source, because Amazon, eBay and Etsy will pay you in dollars or euros rather than converting at their own rate first. Neither is a bank. Both safeguard your money instead of carrying FSCS cover, so treat them as the account your takings pass through, not the one your working balance sits in.
Tide is the pick when the admin rather than the currency is what costs you time. It builds invoicing into the account and feeds Xero, QuickBooks, FreeAgent and Sage, the widest accounting reach on this page, so a service-led store can drop a separate invoicing subscription. Its free plan includes only a small allowance of outgoing transfers each month, so if you pay suppliers weekly, price the paid tiers at £12.49 and £27.49 a month into the comparison before you call the free one cheap.
Settle the currency question before you look at a single app. On the worked example in the cost section above, a store converting £20,000 a month from dollars keeps roughly £450 a month by moving off an effective high-street FX cost of about 2.75%, which dwarfs every monthly fee named here. If nothing you sell leaves the UK, that saving is imaginary and the free account wins on the numbers you actually have. Check the last three months of your own payout reports rather than the three you are hoping for.
Frequently Asked Questions
Can I use a business bank account to receive Shopify and Stripe payouts?
Yes. Shopify Payments has the stricter rule: a UK GBP current account that can receive Faster Payments, excluding savings, flex-currency and money-transfer-style accounts, so a bank account (Starling, Tide, Monzo or Revolut) is the safe target and an e-money multi-currency account such as Airwallex or Wise may be rejected. Stripe is broader, paying out to a standard UK current account. For marketplace payouts, multi-currency accounts still let you receive USD, EUR and AUD without an upfront FX conversion.
Do ecommerce sellers need a separate merchant account?
No. Stripe, Shopify Payments, Square and PayPal all combine merchant acquiring and payouts in one product, so you can take card payments and receive the money into your business bank account without a separate merchant account. A standalone merchant account makes sense only at high volume (typically £50,000+ a month in card sales) where bespoke pricing from an acquirer like Worldpay, Elavon or DNA Payments beats the flat rate from Stripe or Shopify.
Which UK business bank accounts integrate with Stripe and Shopify?
Shopify Payments has the stricter test: a UK GBP current account that can receive Faster Payments, excluding savings, flex-currency and money-transfer-style accounts. Stripe is broader, paying out to a linked current account as long as the payout currency matches the account. See the payout compatibility table above for the per-provider position. For automated bookkeeping, Tide, Starling and Revolut feed transactions into Xero, QuickBooks and FreeAgent directly, which matches Stripe and Shopify payouts to invoices without manual reconciliation. Airwallex integrates with Xero and QuickBooks but not FreeAgent.
Do I need a multi-currency account for international ecommerce?
Only if a meaningful share of your revenue is in currencies other than GBP. If overseas customers pay you in USD or EUR through Stripe, your processor will convert at its FX rate (typically 1–2% above interbank) before paying out to a GBP account. A multi-currency account lets you hold USD or EUR, pay overseas suppliers in their currency, and convert at a better rate when you need GBP. Unless a meaningful share of your sales is in foreign currency, the saving is rarely worth running a second account.
Is Revolut Business FSCS protected?
Since Revolut received its UK banking authorisation on 11 March 2026, eligible deposits held by Revolut Bank UK Ltd are FSCS protected up to £120,000 per depositor (the limit that took effect on 1 December 2025). Once a Business account moves to the bank entity, FSCS applies and safeguarding no longer does; accounts still on the older Revolut Ltd e-money entity remain safeguarded until they migrate, so check which entity holds yours. Wise and Airwallex remain e-money institutions and are safeguarded, not FSCS protected.
Can I open a UK business bank account if I sell on Amazon, eBay or Etsy?
Yes. Most UK business bank accounts accept marketplace sellers, though some run extra source-of-funds checks. The practical question is whether the marketplace pays out in GBP only (Amazon UK, eBay UK) or in the customer’s currency (Amazon.com, Etsy). For sellers active on overseas marketplaces, Wise and Airwallex provide local receiving accounts in USD, EUR, AUD and others, so marketplace payouts arrive in the local currency rather than after an FX conversion.
How we reviewed Best Business Bank Accounts for Ecommerce UK
Ranking criteria. We ranked providers on cost, eligibility, features, and ease of access. Cost and protection carry the heaviest weight because these matter across every business type and rarely change with reader preferences.
Data sources. Every provider’s pricing page, terms and product docs were checked directly against the provider: the full comparison was reviewed in July 2026, with volatile fields and material corrections rechecked in September 2026 (provider-specific dates shown in each block). No comparison sites, no press releases, no affiliate material. FCA register cross-checked for regulatory status.
Update cadence. We re-verify providers on this page regularly, and whenever a provider changes pricing, eligibility, or terms. The verification date on the page reflects the most recent full review. Some links on this page are affiliate links, see our editorial policy.