Jump to Accessibility
Jump to Content
Personal
Premier
Business
Log in
Log in
Back to main menu
Bankline
Digital Banking
ClearSpend
RBSIF FacFlow
FreeAgent
Resume lending
Log in
Log in
Back to main menu
Bankline
Digital Banking
ClearSpend
RBSIF FacFlow
FreeAgent
Resume lending
Menu
Close
Close
Personal
Premier
Business
Personal
Premier
Business
Products and Services
Products and Services
Bank accounts
Business bank accounts
See all our bank accounts
Switching to Royal Bank of Scotland: See our new offer
Start up bank account
Business bank account
Community bank account
Currency bank account
Already have business accounts with us?
Manage your account
Digital banking
Bankline
Banking on your mobile
Order cash and coins
Business debit card
Business overdraft
Take payments with Tyl
NatWest Tap to Pay
Help with bank accounts
Our services
Support centre
Entrepreneur Accelerator
Become a business customer
Download our Bank account terms and conditions
Savings
Business savings
See all our savings accounts
Business reserve instant access account
Treasury reserve fixed term account
Liquidity manager notice account
Client deposit manager account
Clients' Monies Service
Currency call deposit account
Already have business savings with us?
Manage your savings
Digital banking
Log in to Bankline
Banking on your mobile
Help with savings
Previous interest rates
Cards
Business cards
See all our cards
Business debit card
Business credit card
Business plus credit card
onecard
Business cash card
Virtual card solutions
Already have business cards with us?
Manage your debit card
Manage your credit card
Log in to Smart Data online
Log in to ClearSpend
Help with cards
Cards and payments security
Making and accepting payments
Statements and payments
Take payments with Tyl
Loans and finance
Business loans and finance
See all our loans and finance options
Business overdraft
Small business loan
Green Loans
Fixed and Variable rate loans
Commercial mortgage
Real estate finance
Invoice finance
Asset finance
Growth Guarantee Scheme
More about loans and finance
How could business lending help you?
How do business loans work?
How can I borrow money to start my business?
How to get funding for your business
Funds and schemes
Social and community capital
Help with loans and finance
Manage my repayments
Manage my loan account
Manage your account
How we make a decision
Credit scoring guide (PDF, 1,588 KB)
Standards of lending practice
How to appeal a lending decision
Larger business lending principles
Asset finance
Asset finance
Hire purchase
Contract hire
Leasing
Climate and Sustainable Assets
Learn more about asset finance
Already have asset finance?
Contact us at Lombard
Trade finance
Trade finance
See all our trade finance options
Bonds, guarantees and standby letters of credit
Documentary collections
Letters of credit
Trade loans
Currency current account
Currency call deposit account
Already have trade finance with us?
MaxTrad online trade service
Trade Finance Portal
Global liquidity services
Partner banking overseas
IBAN information
Learn about electronic payments
Help with trade finance
Managing risk
Foreign exchange
Incoterms
SEPA
Business services
Our tools and online services
See all our business services
FreeAgent accounting software
Business builder
Entrepreneur Accelerator
MentorDigital – HR and health & safety support
ClearSpend
Additional services
Financial health check
Business insurance
Brokers
Franchising
Women in business specialists
Payment services
Manage payments
Take payments with Tyl
Autopay Online
Autopay Online Plus
Entrepreneur hub
Entrepreneur hub
Entrepreneur hub
Start, scale, grow
About the hub
Setting up my business
Running my business
Growing my business
Training and tools
Experts and mentors
Setting up my business
The set up
Setting up my business overview
How to set up your business
Write a business plan
Research the market
Know your customers
Find out about rates
Support with premises
See how an accountant can help
Manage your cash flow
Help for your start-up
Business Builder
Insights
Entrepreneur Accelerator
Support from Royal Bank
Support from Royal Bank
Start up account
Take payments with Tyl
NatWest Tap to Pay
FreeAgent accounting software included
Running my business
The day-to-day
Running my business overview
Cash flow forecasting tool
Insights on managing cash flow
Become a marketing pro
Help with premises and staff
Help from our community
Free financial health check
Upcoming events
Women in Business
Supporting ethnic minority businesses
Entrepreneur Accelerator
Support from Royal Bank
Financing your growth
Take payments with Tyl
NatWest Tap to Pay
Business insurance
MentorDigital – HR and health & safety support
Growing my business
The next big thing
Growing my business overview
Finance options explained
Tools and resources for growth
Book a financial health check
Crowdfunding
Help from our community
Entrepreneur Accelerator
Planning for business exit
High Growth
High growth overview
Early stage growth
Sustained growth
Scaling up
Training and tools
Business Builder
Business Builder
Learn with Royal Bank and Google
Business Builder tools and resources
Help from our community
Supporting ethnic minority businesses
Experts and mentors
Our programmes
Experts and mentors overview
Entrepreneur Accelerator
Business Builder
Help to grow
Mentoring and events
Experts in residence
Enterprise hubs
Partnering with FSB
Women in Business
Help and Support
Help and Support
Support centre
Additional support
Visit our Support Centre
Manage your account
Contact us
How to complain
Interest rates
Customer information
Workplace wellbeing
Frequently asked questions
Useful information
Coronavirus support hub
Coronavirus Bounce Back Loan Scheme (BBLS)
Coronavirus Business Interruption Loan Scheme (CBILS)
Government schemes for businesses
Brexit hub
LIBOR Transition
ISO 20022
Privacy
How we use your information
Security and fraud
Protect your Business
Visit the Security Centre
Report a fraud or scam
Our Fraud Prevention Philosophy
Keep your details up to date
Common Business Scams
Business email compromise
Cryptocurrency fraud
Email fraud
Insider (employee) fraud
Investment fraud
Invoice redirection
Malware
Overpayment fraud
Purchase scams
Telephone fraud
Text message fraud
Make payments securely
Card payments
Cheque payments
Electronic payments
Ways to bank
Ways to bank
Ways to bank
Mobile banking
Digital banking
Bankline
Bankline Mobile
Bankline Direct
Customer information
Our online services
Order cash and coins
Onecard
MaxTrad
Other ways to bank
Managing Cash
Post office banking
Business Quick Deposit
Branch finder
Cheque Scan
Intelligent Safe
Access to cash
Sector expertise
Support with rising costs
Support with rising costs
Visit our cost of living hub
Late payments support with FSB
Reducing your energy bills
Supply chain challenges
Workforce support
Quick energy saving tips
Help if you're struggling financially
Learning
Coronavirus business support
Coronavirus business support
Visit our coronavirus hub
Pay As You Grow
Understanding your Bounce Back Loan
Understanding your Coronavirus Business Interruption Loan
Bounce Back Loans
Coronavirus Business Interruption Loan
Coronavirus Large Business Interruption Loan
Recovery Loan Scheme (April 2021) – closed
Recovery Loan Scheme (Aug 2022) – closed
Climate
Climate
Green banking for business
Climate change and your business
Visit the Climate hub
Green initiatives for business
Join the UK business climate campaign
Listen to our climate podcasts
Supporting your climate goals
Explore EV charging solutions
See your business carbon footprint
Read our sustainability insights
Building your business sustainably
Energy
Reducing your energy bills
Retrofitting support
Insights
Insights
Latest
Business Management
Business Management
All Business Management articles
Business Strategy
Diversity
Leadership and Development
Marketing
Sales and Distribution
Workforce Support
Sustainability
Sustainability
All Sustainability articles
Climate
ESG
Sustainable Finance
Finances
Finances
All Finances articles
Accounting and Tax
Cash Flow
Funding
Risk Management
Supply Chains
Trade
Sector Trends
Sector Trends
All Sector Trends articles
Agriculture
Construction
Consumer Industries
Manufacturing
Mobility & logistics
Professional & Business Services
Public Sector & Society
Real Estate
Technology, Media and Telecoms
Business Builder
Technology
Technology
All Technology articles
Cyber Security
Fraud
Innovation
Open Banking
Payments
Economics
Economics
All Economics articles
Currencies
Economic Outlook
Geopolitics
Interest Rates
Policy
Events
Log in
Back to main menu
Bankline
Digital Banking
ClearSpend
RBSIF FacFlow
FreeAgent
Resume lending
Back to main menu
Search
Search
Search
Search
Search
Please enter a valid keyword
Log in
Search
Overlay
Business
Insights
Sector Trends
Public Sector & Society
. . .
Sector Trends
Public Sector & Society
Latest Public Sector & Society articles
Log in to Insights
Access your profile page and get personalised content.
Opens in a new window
scroll to top