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.
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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