Managing Your Business

Small Business Banking Account

Open your Account
Apply now
If you operate a small enterprise, require everyday transactional banking services and multiple ways to access your business account. Apply online to get off to a great start with 12 months free banking for start-ups or switchers. Subject to eligibility and credit check. T&C’s and fees apply. For all other types of businesses, please find out more about our Small Business Banking Account on this page, including our eligibility criteria.

Free banking for 12 months*

Overdraft available***

Visa Commercial Card available - no annual fee for the first year.
Representative example: based on an assumed limit of £1,200, 15.9% rate p.a. for purchases, 22% APR representative variable. Annual Fee £32.**

Open additional bank accounts via Business Internet Banking to manage your money and meet your changing business needs.

Access to secure digital banking including the ability to scan and deposit your cheques via the Business Banking Mobile app****


Effortless switching

  • We’ll contact your old bank to let them know you’re switching
  • We’ll transfer your balance and any automated payments for you
  • We’ll close your old account on the date you’ve chosen

Good to know

Any payments accidentally made to your old bank will automatically be redirected to your new account. We’ll also give your new details to people paying your old account. And if anything goes wrong, we’ll refund you for any interest or charges incurred.

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Supporting your small business

Business Banking Mobile app

Bank on the go with our app
Run your business from the palm of your hand. Make payments, view balances and transactions, and manage Standing Orders and Direct Debits. Scan and instantly deposit cheques securely, and block or unblock your debit and credit cards to save you time. Device restrictions may apply.

Visa Business Debit Card available

Manage your expenses
Business Debit Cards are available on request to you and your employees.

Visa Commercial Card available

Keep control of your day-to-day spending. Boost your cash flow and fully protect your transactions against fraud.

Commercial Cards are available for you and your employees (subject to status)

Business loans and overdrafts

Achieve your ambitions
We offer a range of lending options to help you grow your business**

International payments

International payments for over 60 currencies
Starting from just £17*

Simplify foreign exchanges
Foreign currency accounts available in most international currencies, account charges apply.

Small Business Banking Features

Features of your account

  • Bank 24/7 online
  • Mobile app
  • Virtual assistant
  • Live Chat
  • Text alerts
  • Telephone banking

Convenient access

  • Visa debit cards
  • Mobile cheque deposit
  • Cheque book on request
  • Bank in branch or in over 11,500 Post Offices®


  • Specialist support
  • Tomorrow Ready Hub
  • Secure messaging
  • Digital exchanges
  • UK-based telephone support

Add-ons for flexibility as you grow

Credit & borrowing

  • Commercial card (subject to status and application)
  • Arranged overdraft (subject to status and application)
  • Small Business Loans from £1,000 to £25,000 (subject to status and application)

International payments

  • International payments from £17*
  • Accounts in various foreign currencies are available on request

Rates and tariffs

First 12 months

Our introductory offer for start up and switchers
Monthly fee
Payments online (made via Business Internet Banking)
Debit card payment
Cash deposit in branch and Post Office®
Cheque deposit in branch and Post Office®

After 12 months

Move onto the Small Business Banking Tariff
Monthly fee
Payments online (made via Business Internet Banking)
Debit card payment
Cash deposit in branch or Post Office®
1.50% of value deposited
Mobile cheque deposit
50p per cheque

Got questions?

Important documents

Open your Account

HSBC Kinetic Current Account

Our account for sole traders or sole director shareholder limited companies only.

Small Business Banking Account

Apply online if your turnover is below £6.5m and your business has borrowing needs up to £100,000.



Do you already have a Small Business Banking Account and would like to open another?

You can apply online for an instant decision. Log on now and go to Products & Savings >

If you’re not registered for Business Internet Banking and would like to talk to someone about this account, contact us using the ‘Need help’ tab on the right hand side of this page

Alternatively, please register for Business Internet Banking


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