Overlay

Longer waiting times

Due to increasingly high demand for our accounts, there will be a delay in opening your account. We are sorry for the inconvenience this might cause you.
Man with market stall
Community bank account

Do more with a Community bank account

We’re championing the power of community 

What is a not-for-profit bank account?

A Community bank account is designed to meet the needs of charities, clubs and societies. We've designed our Community account to be useful, simple, and easy to understand. So you can spend more time focusing on doing what really matters.

Want to see our other business current accounts? See the range

An everyday account for charities, clubs and societies

Access award-winning* online accounting software for free with this business current account as long as you retain your bank account (optional add-ons may be chargeable)

24/7 Digital Banking and Phone Banking

Bank anywhere with our mobile banking app

*Friendliest Software of the Year, Institute of Certified Bookkeepers Luca Awards 2024.

Before you apply...

To open a Community bank account, you’ll need the personal details of all of the partners, members or directors of the business (including their home addresses for the last 3 years). You’ll also need your business details, including your company’s registration number (provided by Companies House) if you’re a limited company. All the details are in the "Apply now" section, which will help you to prepare.

You can apply for free banking if you're an existing Royal Bank personal or business banking customer*, and your Community account's annual credit turnover is less than £100,000**.

* At least one of the parties named in the application must be an existing Royal Bank customer - if there is no existing relationship your application will be declined.
** If your turnover exceeds £100k, your account will be moved onto our Standard Tariff. Fees & charges apply.

Apply for our Community bank account

Got 10 minutes to fill in your application? Let's get started. 

Already started an application?

Log in to continue or check the status of your Community bank account application in our online application centre.

You can use the same details that you created when you applied for your business account. If you haven’t already set up access to your online application centre, you can create a login now.

Due to increasingly high demand for our accounts, there will be a delay in opening your account. We are sorry for the inconvenience that this might cause you.

Circle Kinetic Illustration NW

Managing your Community account has never been easier

Visit our servicing hub for instant access to managing your business accounts, loans, credit cards and any other business service you have from Royal Bank of Scotland. 

Community cash flow support

From time to time, you may need more than a bank account to manage your cash flow. Here are some other ways we could support your charity, club or community organisation.

Loans and finance options

Explore options based on your size, your needs, and your goals.

Security may be required. Product fees may apply. Subject to Status. Eligibility criteria apply.

See your options

Information Message

Business credit card

No annual fee for the first year (normally £30). Plus, you can manage your account with the ClearSpend app.*



Eligibility criteria apply. Security may be required. Product fees may apply. Subject to Status.

Our credit card features

Information Message

The flexibility of an overdraft

Our business overdraft helps you prepare for the unexpected. You’ll only pay interest on what you borrow.

Security may be required. Product fees may apply. Subject to Status.  Eligibility criteria apply.

Find out about overdrafts

Information Message

Business savings accounts

Make your money work as hard as you do with a Business Savings account. As an example, our Liquidity Manager 95-day Notice Account has an interest rate of 3.75% AER, 3.69% Gross p.a. (variable).

Eligibility criteria apply. Interest rates are subject to variation. Early withdrawals from the Liquidity Manager Notice Accounts are not permitted. Interest calculated daily and applied on the last business day of each month.

View all business savings accounts

Information Message

Questions about this account?

Need more information before you apply?

Info about charges

If you’re a not-for-profit organisation, we’ll offer you free banking as long as your annual credit turnover doesn’t exceed £100,000. This means you won’t be charged a service charge as long as your organisation remains eligible. We’ll monitor your turnover and if we identify that you’ve exceeded £100,000 in any 12-month period, we will contact you to tell you that you’ll start to incur fees at the Standard Tariff listed for your everyday transactions.

Business Account Charges Booklet (PDF, 549 KB)

Information Message

Your money is protected

Your eligible deposits held by a UK establishment of Royal Bank of Scotland are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Financial Services Compensation Scheme Guide (PDF, 45 KB)

Information Message

Business account terms

Read our Business account terms document.

 

Business Account Terms (PDF, 279 KB)

Information Message