Guaranteed business ‘Bank’ accounts – no credit checks

Business bank accounts for bad credit

  • Compare bad credit bank accounts with no credit check
  • We’ve helped thousands of businesses with a bad credit rating
  • Compare and apply with confidence today

There are no credit checks needed for any of the accounts below. To open an account simply click the ‘apply' and fill out the online form. All you need is two forms of ID ( identification, and address), and proof that you are running a business.

The accounts have near 100% acceptance, and can usually be opened with 24 hours, or sooner. All of the accounts below charge a monthly cover fee, and carry charges for certain banking activities (just like most traditional bank accounts). The good news is that all of these charges are tax deductible expenses.

No free banking
£69 per year (equiv. £5.75 per month)
Maximum Interest (AER) 0.0%
No overdraft facilities
Instant online decision, no credit check, no paper forms and no interview required. The low cost alternative to High Street Banks.

No free banking
£12.50 per month
Maximum Interest (AER) 0.0%
No overdraft facilities
Majority of accounts opened within 24 hours. £55 application fee (refunded if unsuccessful)

No free banking
£12.50 per month
Maximum Interest (AER) 0.0%
No overdraft facilities
Simply 5 minute application. No upfront fees, only pay on successful application

More on business banking

Need more help opening a business bank account? See our guide on How to open a business bank account with a poor or bad credit history.

Financial Conduct Authority (FCA) – The UK financial regulator's website features a mass of useful information from knowing your rights to how to stop unauthorised payments.

Financial Service Compensation Scheme (FSCS) – Find out if your bank is covered by the compensation scheme and get advice on making a claim if necessary.

Financial Ombudsman Service – In the unlikely event that you're having ongoing problems with your bank, and have exhausted their complaints process, then the Financial Ombudsman is the next step – their website covers everything you need to know about making a complaint.

Money Advice Service –  Unbiased government advice on choosing, opening and managing a current account.

Federation of Small Businesses (FSB) – Lobby group and advice service championing small business. Paid membership entitles users to 24 hour business legal advice and insurance against HMRC tax investigations.