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Business Banking

Small-to-medium business

Royal Bank business banking is available to eligible customers who are over 18. Specific account and service eligibility criteria apply.

Get started with our business bank accounts

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To apply you must be 18 or over and have been trading over a year with a turnover of up to £2m. Specific account and service eligibility criteria apply. Turnover and eligibility criteria apply for Relationship Managers and specialist support. Finance is subject to status; security may be required and product fees may apply.

A business account with more

We've been supporting businesses like yours for over 50 years. Get tools and services that could help you grow, all from one bank. Plus free award-winning* accounting software from FreeAgent to help you with the day to day running of your business.

*Voted the Friendliest Software of the Year, Institute of Certified Bookkeepers Luca Awards 2023.

FreeAgent is free subject to client retaining their RBS business banking current account. Optional add-ons may be chargeable.

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Earn interest on your cash

Make you money work as hard as you do with a Business Savings account. 

Criteria apply.

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What could you get by switching to us?

Get free banking on everyday transactions for 2 years*.

The Current Account Switch Service will do all the work for you, moving everything across from your old account to your new account, including Direct Debits and Standing Orders, all within 7 working days.

*Other fees may apply. Eligibility criteria, terms and conditions apply.

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Fund your business

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Credit facilities: Security and/or guarantee may be required. Product fees may apply. Over 18s only. Subject to status, business use only.

Financing your growth

Whether you’re looking for a small business loan to expand or a larger loan to purchase premises, we have a variety of fixed and variable options to suit your  needs.

Criteria apply.

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Short-term borrowing

Discover how a Royal Bank Business Overdraft could be your business’ safety net. From £500 to £50,000, apply now to protect against unexpected bills.

Available for existing customers for up to 12 months then subject to review.

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Release cash from invoices

Invoice finance* is a way to gain quick access to funds by raising them from your existing unpaid invoices. Find out how it works and if it could benefit you.

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Commercial cards

Royal Bank Business banking cards help with expenses without eating into your cash reserves. Compare our cards to find one that matches your business needs.

Specific eligibility criteria apply.

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Manage your business

Everyday ways to save

Cut costs and save time by changing your everyday business banking habits. From encouraging your customers to pay digitally to planning bulk payments, small changes could make a difference.

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Payments made easy

We've got a range of payment solutions to support your business as it evolves, whether you're behind the counter or on the go.

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Banking your way

Our range of digital banking options mean you can do your banking in a way that best suits you and your business.

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You could be making savings by taking card payments with us.

Taking card payments with Tyl by NatWest (part of our parent group) could save 8/10 customers money on their payment fees*.

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Grow your business

Free tools with Business Builder

Build your skills as a business owner with bite-sized lessons, toolkits and courses.

Inspiration from our growth hub

Discover specialist insights and solutions that could help you achieve your growth ambitions.

Get investor ready today

Get tips on perfecting your pitch, attracting investors and exploring the current funding landscape.

Get in touch

If you're not sure where to start, Cora, your digital assistant, can help with your queries 24/7. If it's something that needs extra support, she'll connect you to a person from our webchat team, during working hours.*

* See Business banking contacts for specific team hours.

Support for different business sizes

Start-ups

Got an idea or have started your business in the last 12 months?

Commercial business

Taken off and have a turnover of over £750k per year.

Corporate business

Inspiration for Larger Corporate or Institutional business.