With you for the long haul

You’re nearing the end of your fee-free period and your account will soon move to a monthly fee of £8.50. Even after this change, your Business Account continues to offer the tools, support and security you rely on. It’s designed to grow with you as your business evolves.

Instant credit decision

Borrow to grow your business, get an instant decision up to £50,000.1

Explore Business Overdrafts

Get extra Debit Cards

Give your business partner or employees their own card – with no annual fee. You can withdraw up to £700 of cleared funds per day and spend up to £100 when making contactless transactions.

Explore Debit Cards

Build savings for the future

Planning for future growth or setting cash aside just in case? Get the best savings account for your business strategy.

Learn more about savings


1Businesses with an annual turnover of less than £3m can apply online and get an instant decision. Eligibility for lending will be assessed as part of a separate application, and there is no guarantee of lending being granted. All lending is subject to status.


1Businesses with an annual turnover of less than £3m can apply online and get an instant decision. Eligibility for lending will be assessed as part of a separate application, and there is no guarantee of lending being granted. All lending is subject to status.

The business account that goes further for you

 

Digital tools and support you can rely on 24/7

  • Manage your business banking easily through our mobile app.
  • Get help from real people when it matters most.
 

Confidence your finances are protected around the clock

  • Eligible deposits are covered by FSCS protection up to £120,000, offering extra security when you need it.
  • Proactive fraud controls continually monitor your account activity to help keep your money secure.
 

Stay on top of your payments at a time that suits you

  • Enjoy 100 free out‑payments every month and unlimited incoming payments.
  • Send money within the UK or internationally at times that suit your schedule, helping you stay on top of your outgoings.
  • Manage payroll, bills and HMRC payments in one place, with clear tools to help you track each step.
  • Standing orders, Direct Debits and Faster Payments give you the flexibility to manage payments in the way your business needs.

Digital tools and support you can rely on 24/7

  • Manage your business banking easily through our mobile app.
  • Get help from real people when it matters most.

Confidence your finances are protected around the clock

  • Eligible deposits are covered by FSCS protection up to £120,000, offering extra security when you need it.
  • Proactive fraud controls continually monitor your account activity to help keep your money secure.

Stay on top of your payments at a time that suits you

  • Enjoy 100 free out‑payments every month and unlimited incoming payments.
  • Send money within the UK or internationally at times that suit your schedule, helping you stay on top of your outgoings.
  • Manage payroll, bills and HMRC payments in one place, with clear tools to help you track each step.
  • Standing orders, Direct Debits and Faster Payments give you the flexibility to manage payments in the way your business needs.

Making Tax Digital, made easy for you

Making Tax Digital

HMRC is digitising Income Tax reporting for sole traders and individual landlords already registered for Self Assessment. If your qualifying income for the 2024/25 tax year was over £50,000, there’s new rules for how you report information for Income Tax.

Instead of submitting a single Self Assessment tax return once a year, sole traders and landlords with qualifying income will need to:

  • keep digital records of income and expenses in software that works with HMRC’s Making Tax Digital for Income Tax service
  • send quarterly updates that summarise income and expenses
  • submit tax returns by 31 January.
Read more on new HMRC rules

Launching soon: new Lloyds accounting tool*

To help you stay compliant with Making Tax Digital for Income Tax.

Included with your Lloyds Business Account and available in Online Banking at no extra cost, it’ll streamline digital record-keeping, quarterly HMRC updates, and your tax return submissions.

Learn more about the tool

*The tool will be available to sole traders and landlords registered as sole traders.

We support one million businesses like yours

We were attracted to Lloyds for our business banking needs due to their strong reputation, wide range of business services, and the perceived stability and trust that comes with a well-established high street bank.

Sylwia Golebiowska CEO, Simply Grow

With Lloyds, we know our money is in safe hands, and we have someone who understands our business and is always ready to support us, it gives us confidence to keep moving forward.

Steve Athwall CEO/Founder, The Big Phone Store

Ongoing help and support right from the start

How to manage your business

A selection of guides and products to help you run and thrive, including day-to-day running of your operation.

Read articles

How to grow your business

Guides, case studies and products to help you take the next step - wherever your business takes you.

Learn about growth

Change account access

Find out how to add or remove people with access to your account.

Change user access

Manage access to Online for Business

See how to add or remove access to Online for Business.

Manage access levels

Help logging in

Get help and answers to common questions about logging in to Online for Business.

Help logging in

Deposit cheques using the app

Find out how to deposit cheques using the business banking app.

How to deposit cheques
See more help articles
See more help articles

Backing businesses across the UK


Discover some of the ways we’re supporting business owners and entrepreneurs.

Disabled-owned businesses

Disabled-owned businesses

We back disabled business owners with practical resources and support. And we work with partners to help break down barriers in the finance sector.

Explore support

Black-owned businesses

Black-owned businesses

We offer dedicated support for Black entrepreneurs. Get tailored opportunities to help you start, manage and grow your business.

Discover opportunities

Women-owned businesses

Women-owned businesses

Find the expertise, resources, and products to help you achieve your business goals - from kick-starting your idea to achieving your biggest goals.

View resources

Mental health support

Mental health support

If a mental health condition is making it harder to manage your finances, find out what additional support is available.

Get help

Cybersecurity for your business

Get a 60-day free trial and discounts on Norton Small Business plans. 

Find out more
 

Discover exclusive Merchant Offers

Your Business Debit Card gives you access to a range of merchant offers with exclusive partner discounts designed for growing businesses.

Your approvers are people listed as signatories on your account. You can find this information on your bank mandate. Your bank mandate is the set of instructions given to us when your business account is opened. Contact us on 0345 072 5555 if you have any queries.

View merchant offers

Independent service quality survey results

Business current accounts

Published February 2026

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,200 customers of each of the 17 largest business current account providers if they would recommend their provider to other small and medium-sized enterprises (SMEs*). The results represent the view of customers who took part in the survey.
 

Overall service quality

We asked customers how likely they would be to recommend their business current account provider to other SMEs.

*SMEs include businesses, clubs, charities and societies with an annual turnover/income of up to £25m (exclusive of VAT and other turnover-related taxes).

Ranking

Business current accounts overall service quality survey results: 1st Monzo 85%, 2nd Mettle 83%, 3rd Starling Bank 81%, 4th Handelsbanken 75%, 5th Tide 70%, equal 9th Lloyds Bank 59%

View the full set of results

The requirement to publish the Financial Conduct Authority Service Quality Information for business current accounts can be found here