Business bank cost checker
"Free" business banking is metered in a dozen different ways. Enter your real monthly usage and see estimated annual and three-year costs for all eight accounts we review — with every assumption shown.
Assumptions, modelled on free/entry tiers (per month): Starling £0, transfers free, cash 0.7%, FX card free (network rate). Tide Free: 5 free transfers then 20p, cash 0.99% (Post Office >£500), FX card 2.75%, extra cards £5 each. Monzo Lite: transfers free, cash ~£1 per deposit (batched £300), team needs Pro +£5/mo, FX card free. Mettle £0 (cash not supported). ANNA Free: 0.95% on incoming over £1,000, FX 1% — cash rates unpublished. Revolut Basic £10: 10 free transfers then 20p, FX allowance £1,000 then 0.6% — cash not accepted. Barclays ~£8/mo (post-intro), cash ~0.9%, FX ~2.99%. Santander ~£7.50/mo, cash ~0.7%, FX ~2.75%. These are indicative estimates for comparison only — fee tables change and your quotes will vary. Paid tiers alter the maths at volume; always check the reviews and the vendor before choosing.
How to read the result
Three honest patterns emerge: domestic digital businesses almost always land on Starling or Mettle at £0; Tide and ANNA become paid products the moment you have real volume — transfers for one, incoming commission for the other; and cash is the great leveller, quietly pushing high-street accounts back into contention. If your number surprises you, that was the point of building this.