Compare mobile-first business accounts and open banking tools

Mobile-first business current accounts, plus the open banking infrastructure behind instant bank-to-bank payments.

Pricing checked: 30 July 2026 See our WMP Score methodology.

Business accounts

Mobile business banking

🏆

Best overall

Starling Bank — genuinely free business account with unlimited free UK transfers and no catches.

💷

Best value

Anna Money's free tier gives strong invoicing tools with no monthly fee for new traders.

⭐

Best for ease of use

Tide — fast account opening and built-in invoicing, popular with sole traders and freelancers.

Provider	Best for	Monthly fee	WMP score	Action
StStarling Bank Business	No monthly fee & unlimited free transfers	Free	★★★★★4.7/5	Check latest offer
View full Starling details Transfers Unlimited free UK Faster Payments and BACS, no per-payment charge Features Accounting software integrations, team cards Pricing checked 30 July 2026 — cross-checked third-party UK sources
AnAnna Money	Invoicing & expense tracking for new traders	Free (Pay As You Go)	★★★★☆4.1/5	Check latest offer
View full Anna Money details Strengths Strong invoicing and expense tools Weaker area Cash handling reported as a weaker point vs. competitors Pricing checked 30 July 2026 — cross-checked third-party UK sources
TiTide	Fast-opening account with built-in invoicing	Free, or £12.49-£69.99/mo (Smart/Pro/Max)	★★★★☆4.1/5	Check latest offer
View full Tide details Free tier caveat No monthly fee, but charges apply on bank transfers, non-sterling card transactions, and cash withdrawals/deposits Paid tiers Smart £12.49/mo, Pro ~£24.99-27.49/mo, Max £69.99/mo — unlock more free transfers and features Pricing checked 30 July 2026 — cross-checked third-party UK sources
MoMonzo Business	Simple, app-first banking for small teams	Free (Lite), £9/mo (Pro), £25/mo (Team)	★★★★☆4.2/5	Check latest offer
View full Monzo Business details Free tier No monthly fee, no domestic transfer fees, FSCS protection up to £120,000, expense "pots" Paid tiers Pro (£9/mo) and Team (£25/mo) unlock multi-user access, invoicing and budgeting tools Pricing checked 30 July 2026 — cross-checked third-party UK sources
ReRevolut Business	Growing businesses needing multi-currency	£10/mo (Basic), £35/mo (Grow), £125/mo (Scale)	★★★★☆4.0/5	Check latest offer
View full Revolut Business details Discount Up to 28% off if you pay annually on Grow/Scale/Enterprise Features Strong multi-currency accounts and FX tools, expense cards for staff Pricing checked 30 July 2026 — revolut.com/business (official fee pages)
ReRevolut Pro	Freelancers wanting premium perks	£65/mo + VAT per person	★★★☆☆3.6/5	Check latest offer
View full Revolut Pro details Correction from earlier research Revolut Pro is priced at £65/month + VAT per person — a premium tier justified by bundled perks/benefits (reported at £4,000+/year in value), not a low-cost entry option for solo freelancers as sometimes assumed. Compare carefully against Anna Money or Tide's free tiers if budget is the main concern Pricing checked 30 July 2026 — cross-checked third-party UK sources
MeMemo Bank	SMEs wanting relationship banking	Not publicly disclosed	★★☆☆☆2.5/5	Get a tailored quote
View full Memo Bank details Data availability Limited public UK pricing information found during research — contact directly for current terms Pricing checked 30 July 2026 — no detailed public UK pricing found

Open banking & A2A

Open banking & account-to-account payments

Provider	Best for	Pricing	WMP score	Action
GCGoCardless	Recurring/subscription payment collection	1% + 20p, capped at £4/transaction (Standard plan)	★★★★☆4.1/5	Check latest price
View full GoCardless details UK Bacs Direct Debit 1% per transaction, capped at £2 No setup fee or monthly minimum Confirmed on Standard plan Pricing checked 30 July 2026 — support.gocardless.com pricing article
TrTrueLayer	Instant bank-to-bank payments at scale	Not publicly disclosed	★★☆☆☆2.5/5	Get a tailored quote
View full TrueLayer details Market context UK pay-by-bank typically costs 0.1-0.5% or a flat 5-30p industry-wide — much cheaper than card schemes (1.5-3.5%), though TrueLayer's own rate isn't publicly published Pricing checked 30 July 2026 — no public rate card found
PlPlaid	Bank data connectivity for apps	Not publicly disclosed	★★☆☆☆2.5/5	Get a tailored quote
View full Plaid details Pricing model Typically volume/usage-based, quoted individually Pricing checked 30 July 2026 — no public UK rate card found
VoVolt	Real-time account-to-account payments	Not publicly disclosed	★★☆☆☆2.4/5	Get a tailored quote
View full Volt details Positioning Global reach for pay-by-bank/A2A payments at merchant scale Pricing checked 30 July 2026 — no public rate card found
ToToken.io	Open banking payment infrastructure	Not publicly disclosed	★★☆☆☆2.3/5	Get a tailored quote
View full Token.io details Pricing model Enterprise/partner-led, quoted individually Pricing checked 30 July 2026 — no public UK rate card found

Account fees, eligibility and features vary and change over time — always confirm current terms directly with the provider. We may earn a commission when you sign up through a link on this page, at no extra cost to you. See our Affiliate Disclosure and Editorial Policy.

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