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FSB Business Banking

Specially designed to meet all your day-to-day needs, FSB Business Banking provided by The Co-operative Bank, lets you focus on the most important thing to you, your business

Benefits include:

  • No charges for everyday banking services
  • Free to pay in up to £2,000 cash per month.
  • If you need to deposit more, you pay 75p for every extra £100
  • Fee-free overdraft subject to application and status
  • Free to pay in cheques
  • Annual £25 Loyalty Bonus†
  • Access to a business loan*, subject to status
  • Access to a business debit card**, subject to status

Charges may apply for exceeding any agreed limits and for any special services, for example stopping cheques and CHAPS payments. Refer to the tariff for full details.


  • Free change facility at The Co-operative Bank branches (by arrangement)
  • UK-based call centres
  • 24/7 secure access to your business banking account online
  • A dedicated Account Switching Team committed to making the process as smooth as possible
  • The choice to bank at your local Post Office by arrangement

How do I access this?

Become a member and you will be able to access details of FSB's Business Banking service.

If you are already an FSB member, please log in and click ‘Review Member Benefits’ to find out how to access.

†£25 Loyalty Bonus paid every year to FSB Members who maintain an active account. The Loyalty Bonus will only be paid once per year to each FSB member, irrespective of the number of active accounts maintained, and it will not be paid on inactive accounts. An account is deemed to be inactive if no customer initiated transactions have been made for 6 months or more, and there is a debit or credit balance of less than £250.

*Credit facilities are provided by The Co-operative Bank and are subject to application, status and our lending policy. Security may be required. The Bank reserves the right to decline any application for an account or credit facility. See the FSB Business Banking tariff on our website for full details.

**Charges for withdrawals abroad: 2.75% currency conversion charge will be applied on any non-sterling transaction. 2% (£2 minimum) will be charged for cash withdrawals from overseas ATMs, cash back over the counter, purchasing travellers cheques or foreign currency. Please note: The cash fee will be charged in addition to the non-sterling transaction fee. The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885).

The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. is a member of the Council of Mortgage Lenders and subscribes to the Lending Code which is monitored by the Lending Standards Board.

Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge. Calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Calls may be monitored or recorded for security and training purposes.

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Become an FSB member today

Join the Experts in Business today from as little as £142.50*.

*Membership starts at £142.50 per annum for businesses with no employees, with a £30 registration fee payable for the first year only.