Welcome to ethical, modern banking

Spend less of your budget on banking and more time on your business with our business current account, designed for business owners like you

Scroll through the banners below to discover how FSB Business Banking can support your business

*It’s free. Yes, really

There is no monthly account fee or charge for everyday banking services included in the FSB tariff for the duration of your FSB membership. You can even pay in up to £2000 cash free of charge each month in-branch or at the Post Office. There are no hidden fees - if you need to deposit more cash, it’s just 75p per £100 extra.


Opening your account is simple with our online application form, and you can switch from your old current account in just seven business days using the Current Account Switch Service.

Bank anywhere

On the go or in the office, your account is just a click away thanks to online banking and a new mobile app. Manage your finances over the phone, in-branch or at your local Post Office, too.

Control your cash flow

Every penny counts as a small business. Stay on top of your expenses with a Business Credit Card**.

With the Business Credit Card, you can apply for a credit limit of between £500 and £25,000, and you can borrow as and when you need to and spread the cost of your purchases over time. You can benefit from an interest-free period on purchases of up to 56 days (if balance is paid in full by due date). A £24 annual fee applies

Stay on top of expenses

Manage your business expenses with a Business Charge Card.

The balance is payable in full every month and a monthly Charge Card fee of £2 per card applies.

All applications are subject to eligibility, status and an assessment of your financial circumstances. T&Cs apply. Other charges may apply.

Free change facility

Short on change? If you’re always running out of coins and notes, change them for free in your local branch or at the Post Office (by arrangement).

Good for your wallet, good for the planet

Use your money for good with responsible, ethical banking. The Co-operative Bank’s customer-led ethical policy means we’re working together on the things that matter, such as tackling youth homelessness and supporting local community projects.

FSB current account holders could be eligible to apply for other products and services offered by The Co-operative Bank

Ready to get started?

Are there any terms and conditions?

We like our business banking to be as simple as possible but there are some things you need to be aware of. 

*Subject to application, status and our lending policy. Other charges may apply. 

**All applications are subject to eligibility, status and an assessment of your financial circumstances. T&Cs apply. Other charges may apply.

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. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.

How do I access this benefit?

FSB members can check their eligibilty and apply online through the Co-operative Bank FSB portal.

Want this benefit for your business? 

FSB Business Banking is just one of a suite of benefits included with FSB membership to help support, protect and grow your business.

Membership starts from £147 per year with a £30 joining fee in the first year.

Find out more

Latest resources from FSB Business Banking

Maximise Your Membership
Video Wed, 29 June 2022

Maximise Your Membership

Join our panel of FSB staff, and #FSBmember Aly Young, as we discuss how to make the most of the many FSB benefits, from debt recovery and funding, to FSB Care and legal support!

How to choose a business bank account
Article Wed, 25 August 2021

How to choose a business bank account

From understanding your requirements to forming a good relationship with your bank, discover how you can find the right business bank account with FSB Business Banking’s guide.

Fighting fraud: How to protect your business against four common scams
Article Fri, 30 July 2021

Fighting fraud: How to protect your business against four common scams

Fraud costs businesses millions every year. Learn more about the common scams to watch out for and how to protect your small business against fraud with tips from The Co-Operative Bank, provider of FSB Business Banking.