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ben M

  • Posts: 4720
which is the best bank for business account?
« on: October 11, 2013, 02:41:58 pm »
as above

Thanks

Ben
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Mike #1

  • Posts: 4668
Re: which is the best bank for business account?
« Reply #1 on: October 11, 2013, 02:53:46 pm »
I have found Natwest to be really good a flat rate of £5:00 for all automated transactions .

Good customer service with any questions answered pretty quickly.

Also they open at 8:45 on a morning so if i need to pop in before work 15 mins makes a difference . Mike
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ben M

  • Posts: 4720
Re: which is the best bank for business account?
« Reply #2 on: October 11, 2013, 06:32:45 pm »
don't like natwest  ;D another bank maybe? santander any good?
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g.brookes

  • Posts: 946
Re: which is the best bank for business account?
« Reply #3 on: October 11, 2013, 06:58:37 pm »
santander used to be free.  but not sure if its the same for new customers.  their bank charges are insane though.  £40 for an unpade standing order etc.  im considering joinging the FSB and getting co-op banking
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windiewasher

  • Posts: 4393
Re: which is the best bank for business account?
« Reply #4 on: October 11, 2013, 07:02:03 pm »
Quote from: ben M on October 11, 2013, 06:32:45 pm
don't like natwest  ;D another bank maybe? santander any good?
I find santander to be good.never been charged for anything.
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Takings off all first cleans till march 7th 2014
October  total=  cleaned  extra per month
November = cleaned extra per month
Total £  so far.

Frankybadboy

  • Posts: 9022
Re: which is the best bank for business account?
« Reply #5 on: October 11, 2013, 07:14:34 pm »
Quote from: windiewasher on October 11, 2013, 07:02:03 pm
Quote from: ben M on October 11, 2013, 06:32:45 pm
don't like natwest  ;D another bank maybe? santander any good?
I find santander to be good.never been charged for anything.
been with Santander for 3years  not been charged athing as I have free banking


they just given me a business loan for new second van and no problems,and easy
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bobplum

  • Posts: 5602
Re: which is the best bank for business account?
« Reply #6 on: October 11, 2013, 07:31:44 pm »
Quote from: g.brookes on October 11, 2013, 06:58:37 pm
santander used to be free.  but not sure if its the same for new customers.  their bank charges are insane though.  £40 for an unpade standing order etc.  im considering joinging the FSB and getting co-op banking

you have no guarantee of being accepted
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CF Facilities

  • Posts: 287
Re: which is the best bank for business account?
« Reply #7 on: October 11, 2013, 08:31:29 pm »
Hi you can open a normal business account with the coop and pay a small ammount in charges or free if you have £1000 in the account and you can swap over to a fsb account whenever you like.
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Mr.G

  • Posts: 364
Re: which is the best bank for business account?
« Reply #8 on: October 11, 2013, 10:36:41 pm »
HSBC charge me a monthly fee and each cheque too
I only stay with them cos its just round the corner from home.
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Ian101

  • Posts: 7887
Re: which is the best bank for business account?
« Reply #9 on: October 12, 2013, 06:42:30 am »
theyre all great whilst free banking so just keep moving mine when it runs out so far been with natwest, barclays and now hsbc .... told hsbc it was a new start business so got 18 months free banking as opposed to 6 months free for just swapping accounts  ;)
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robertphil

  • Posts: 1511
Re: which is the best bank for business account?
« Reply #10 on: October 12, 2013, 07:09:55 am »
when was in the Post Office the other day,lady was tellin me theyr now doin biz banking,gave me a leaflet and told me i can open it online.  but i found i couldnt,you hav to go in to do that. still its another option .

i find halifax and nationwide dont ask questions if you use a personal account long as you dont pay in too many cheques in 1 go.  lady in the halifax knows what im up to with this minor fiddle ,and always shouts over to me, but in a friendly tone,  im gonna buy her chocs at Xmas so she stays on my side

another tip-dont ever tell your family about runnin a business thru a personal account- my dear ol mum hurried in to town once she heard and confessed all at the HSBC  and they were onto me like a pack of dogs . i can now only go in there about twice a year its embarrasing
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Alex Gardiner

  • Posts: 7740
Re: which is the best bank for business account?
« Reply #11 on: October 12, 2013, 01:08:08 pm »
I have always banked with Lloyds and find their business account to be easy to use and manage online. As most of my window cleaning clients pay by SO or BACS I have an account that charges less for electronic & cheque pay-ins but more for cash deposits.
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PoleKing

  • Posts: 8974
Re: which is the best bank for business account?
« Reply #12 on: October 12, 2013, 02:15:32 pm »
I put all cheques BACS & SO in the business acct but pay cash into the personal one.
Santander lost some cheques last year. Not risking it with cash.
That's been my only issue with them in 6 odd years.
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TheWindowManChris

  • Posts: 401
Re: which is the best bank for business account?
« Reply #13 on: October 12, 2013, 02:30:14 pm »
I bank with Clydesdale.   There decent plus branch in Estate opens at 6am! However is busy around 7am with all the builders and etc.
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Neil Gornall

  • Posts: 640
Re: which is the best bank for business account?
« Reply #14 on: October 12, 2013, 03:12:34 pm »
I bank with Barclays but was thinking of moving so went to every bank/building society in my town and asked for a copy of the charges.
I sat down and compared every one but Barclays worked out to be cheapest so for the time i stayed where i was.
Its not all about cost though so would change if the service deteriorated
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dannymack

  • Posts: 1624
Re: which is the best bank for business account?
« Reply #15 on: October 12, 2013, 03:37:25 pm »
COUTTS Bank  ;D
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p1w1

  • Posts: 3873
Re: which is the best bank for business account?
« Reply #16 on: October 12, 2013, 04:15:34 pm »
Natwest £25 per month no matter how many different transactions you make
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elite mike

Re: which is the best bank for business account?
« Reply #17 on: October 12, 2013, 07:47:37 pm »
Quote from: windiewasher on October 11, 2013, 07:02:03 pm
Quote from: ben M on October 11, 2013, 06:32:45 pm
don't like natwest  ;D another bank maybe? santander any good?
I find santander to be good.never been charged for anything.

same here ive been with them for 33 years, when they used to be called girobank 
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Mike #1

  • Posts: 4668
Re: which is the best bank for business account?
« Reply #18 on: October 13, 2013, 08:36:28 am »
Quote from: p1w1 on October 12, 2013, 04:15:34 pm
Natwest £25 per month no matter how many different transactions you make


Natwest £5.00 a month for bacs and Standing orders i pay in 2 cheques a month and pay a £1.16 extra i dont pay any cash .  Prior to changing my account with Natwest i was paying between £25-30 a month . which means i am saving over £200 a year . Mike
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Jettaway

  • Posts: 521
Re: which is the best bank for business account?
« Reply #19 on: October 13, 2013, 10:40:55 am »
Santander for me, been with them for over 3 years now.

Haven't paid a penny. Free cash deposits, fee internet banking, free bank transfers -- both send and deposit. Get 150 free cheque deposits then I think it's £1.50 a cheque (not that I have even come close to 150 cheques a year).

If you go overdrawn I think you have to pay £40 ish.

So a good deal for me.
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