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Each one uses that market’s published prices and opens at our reference profile, which you can change.
How it works
The calculator uses only figures each provider publishes. Where a fee is not published, the row says so and the figure leaves it out, which is why such a row ranks after every fully priced one. Introductory discounts are ignored because they end; tax is excluded because it depends on you.
The same code ranks the lists in our business bank accounts comparisons, using the defaults shown, so the order on those pages is the order this calculator gives for that profile. See how we rank.
Best business bank accounts for sole traders and small firms in the UK (2026)
Four UK business accounts compared on monthly fees, transfer and cash charges, and whether your money is a protected bank deposit.
US comparisonBest business bank accounts for small businesses in the US (2026)
Six business checking accounts compared on monthly fees, wire and cash charges, and which FDIC-insured bank actually holds the money.
Guide · US & UKFDIC vs FSCS: what protects a business account, and what e-money and fintech accounts lack
How deposit protection works for business accounts in the US and UK, how the limits are counted, and what changes when a fintech, partner bank or e-money institution sits in the middle.