US & UKBusiness banking
Business bank accounts
Business current and checking accounts, compared on monthly fees, transaction charges and deposit protection.
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Products, prices and protections differ by country, so each market has its own comparison in its own currency.
US edition · dollars
Best 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.
- 1. Mercury Mercury$0.00
- 2. Bluevine Standard$15.00
- 3. Found Found$15.00
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.
- 1. Starling Business Business account£0.00
- 2. Tide Smart£12.49
- 3. Countingup Up to £7,500 in£16.59
Guide · US & UK
FDIC 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.
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Analysis, not adviceWe explain costs and trade-offs; the decision is yours. Disclaimer