Mercury
Business banking platform offering accounts, cards, payments and invoicing for startups.
Edition 2026
The best business bank accounts
The headline monthly fee is the least interesting number. What costs real money is the exchange rate spread, the charge for a transfer that is not instant, and the day your account is frozen for a review nobody will explain.
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Also listed
Not ranked yet
Monzo Business
UK business bank account with expense cards, invoicing tools and Making Tax Digital filing.
Qonto
Business bank account for European companies, with cards, invoicing and expense management.
Revolut Business
Multi-currency business account with company cards, payments and expense controls.
Wise Business
Multi-currency business account for sending and receiving international payments at low cost.
How we judged this
Fixed before anything was ranked
What we look at
- Deposit protection named, with the scheme and the amount
- Exchange rate spread published as a percentage, not 'competitive'
- Full fee schedule reachable without opening an account
- Accounting export that your accountant accepts as is
- A published route to a human when the account is frozen
Helps if you have it: The public fee schedule and the deposit guarantee scheme membership.
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