The future is small

The business bank account that gives small businesses big benefits. 

We take care of business so you can take care of your business

We’re a fully regulated British bank

  • We’re regulated by the Financial Conduct Authority (FCA) just like high street banks
  • Financial Services Compensation Scheme (FSCS) protection up to £85,000
  • Friendly UK-based customer service team
  • Every account comes with 24 hour fraud monitoring
  • For freelancers, sole traders, SMEs and growing businesses

Business banking on the go

  • 24/7 online and app access
  • Secure card controls like card blocking and PIN retrieval
  • Instant notifications for payments and transfers
  • Capture and add digital receipts direct in the app
  • Deposit cash into your account at any Post Office

Sign up in as little as 4 minutes

  • Minutes to apply, seconds to open with an instant online decision
  • No credit check required to open an account
  • Get your account number and sort code straight away

Designed with business in mind

From our beginnings 15 years ago as a UK startup to now a full UK bank, we know the challenges faced by small business owners, so we've built our accounts around their real life needs

  • Integrate with accounting apps like QuickBooks, Xero, FreeAgent and more
  • Schedule payments, categorise your business spending and harness digital banking tools through Open Banking
  • Enjoy offers and rewards from trusted brands like Square, Sage, Yell and more
  • Add up to 20 business cards, track expenses and restrict certain transactions
  • Exportable statements in either PDF or CSV format


Join more than 1.6m people who have opened a Cashplus Bank account to manage their money.

See what our customers think...

Download the Cashplus Bank app

Our app puts your account in the palm of your hand whenever you need it. Download it for free to open an account in minutes and start breaking down the barriers to your business. The world doesn’t start at nine and stop at five, so why should your business?

Got a question?

  • Getting a Cashplus Bank Account and Debit Card is simple and easy as long as we can verify the details we need from you. For business applications, we'll need to verify that your business is based in the UK. Limited companies will also be required to confirm the date of birth and home address of any Persons of Significant Control (PSCs). Here's what you need to provide

  • No. There are no credit checks to open an account.

    For our Personal account holders, we could help you improve or build your credit history at no extra cost by adding our Creditbuilder service to your account.

  • You can see how quickly your Bank Account application is moving along by using our application status tracker. You’ll just need your ten digit application reference number that appeared on the confirmation email or letter that we sent when you applied.

  • When you apply for a Bank Account, checks need to be done to verify your identity. This may mean you’ll need to share certain documents with us that we can use to verify your personal details.

    You can see exactly what you need to provide in the account application confirmation email we sent you along with details of how to share them with us via Online Banking. If you haven’t seen this email, please check your spam folder or contact us.

    Here’s a list of the documents we’ll accept, broken down into proof of identity and proof of address categories.

    It’s important that your documents are clear, legible, valid and current. You also can’t use the same document to verify both your identity and address, so if you’re using your UK Driver’s licence, you’ll also need another form of certified ID as well.

    For proof of identity:

    *Important – certification of documents required: All documents below listed with a * need to be certified.

    • A copy of your passport
    • A copy of your UK driver’s licence - Please include copies of the front and back of your card (we won’t accept just the paper counterpart)
    • A copy of your EU driver’s licence* - Please include copies of the front and back of your card
    • EEA member state ID card* - Please include copies of the front and back of your card
    • Firearms certificate or shotgun licence* - Please include copies of the front and back of your licence
    • Northern Ireland electoral ID card - Please include copies of the front and back of your card
    • Construction industry scheme card* - Please include copies of the front and back of your card
    • Military ID card* - Please include copies of the front and back of your card

    For proof of address:

    *Important – certification of documents required: All documents below listed with a * need to be certified.

    • A copy of your UK driver’s licencePlease include copies of the front and back of your card (we won’t accept just the paper counterpart)
    • A bank or building society statement*This needs to be an original statement dated within the last three months and not a print out or copy
    • A utility bill*This needs to be an original bill dated within the last three months and not a print out or copy (we won’t accept mobile phone contracts)
    • Benefits or DWP Pension confirmation*Please include a copy from the current or new tax year
    • Council tax bill*Please include a copy from the current tax year
    • Any letter from HMRC*This includes things like confirmation of a tax code and must include your national insurance number and be dated within the last three months
    • Tenancy agreement from a council or housing association*This needs to be dated within the last three months and can’t be a private tenancy agreement
    • Credit card or store card statement*This needs to be an original statement dated within the last three months and not a print out or copy
    • Council rent card*This needs to be an original document dated within the last three months and not a print out or copy
    • Firearms certificate or shotgun licence*Please include copies of the front and back of your licence
    • Bankruptcy Order, Bankruptcy Restriction Order or Debt Relief Order*Please include a copy dated within the last three months
    • Mortgage statement*This needs to be an original statement dated within the last three months and not a print out or copy
    • Inland Revenue Notice of Tax Coding*Please include a copy from the current or new tax year
    • Solicitor’s letter*This needs to be an original document dated within the last three months and not a print out or copy

    If you don’t know what we mean by making sure your document is certified, you can find out more in the FAQ below ‘What’s a certified copy?’.

    For partnerships or limited liability partnerships:

    If you’re applying as a partnership or limited liability partnership, you’ll need to send in the relevant documents for each partner involved, not just one.

    For charities:

    If you’re applying as a charity, you’ll need to upload a letter of authority on headed paper listing all trustees to the charity along with proof of identity documents for each trustee to the charity. A proof of identity document is a certified document verifying the identity of your trustee (to see what documents we accept, refer to the list above).

    Your letter of authority must be a signed letter by a trustee, sent on official letterhead, stating all the trustees to the charity and identity documents for each trustee to the charity.

  • To log in, you’ll need the latest version of the Cashplus Bank App so that you can generate the verification code needed to access Online Banking. This is the recommended and most secure way to receive the required verification code. Alternatively, if you can’t use the app, you’ll need to call us to purchase a Code Key for £8.00.

    You’ll also need to make sure we have your most up to date contact details so we can send you a verification code by SMS and update your security settings by creating some memorable questions and answers. If you haven’t done this already, simply log into Online Banking, and follow the prompts, set your memorable questions, and then you’re good to go!

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK.

For full website terms including information on Cashplus Bank, Mastercard and use of Trademarks, please see our full legal disclosures at https://www.cashplus.com/legal/.

Advanced Payment Solutions Limited (APS) provides credit facilities subject to approval and affordability, and where accounts continue to meet APS credit criteria. APS is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Our Firm Reference Number (FRN) is 671140.

♦Calls to 03 numbers cost no more than a national rate call to a 01 or 02 number and will count towards inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded.

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