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Commercial Banking

A Relationship bank for your business

Relationship Banking to help you thrive

Your Relationship Management team is here to support you with your everyday banking needs, whether that's releasing a payment to a supplier or funding a new venture.

Once you're on-boarded, your Relationship Manager* will be in contact with their details so you can reach out when needed.

*Relationship Managers are available to business banking customers with an annual turnover of £250k.

Start with the basics

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To apply you must be 18 or over, have the right to be self-employed in the UK and have been trading over a year with a turnover of up to £2m. Turnover and eligibility criteria apply for Relationship Managers and specialist support. Finance is subject to status; security may be required and product fees may apply.

A business account with more

A dedicated Relationship Manager, specialist products and services to develop your business and flexible borrowing options for your next big idea. Plus you get free award* accounting software, FreeAgent to help you with the day to day.

*Voted the Friendliest Software of the Year, Institute of Certified Bookkeepers Luca Awards 2023

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Earn interest on your cash

We've raised our rates across our savings range so your money works harder for you. Take our Liquidity Manager 95-day Notice account as an example:

Key info:

  • AER/Gross p.a (variable) - 4.25% / 4.17% on 95 Day Notice Accounts
  • 95-day notice required to access funds
  • No min or max balance
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Fund your ambitions

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Credit facilities: Security and/or guarantee may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 

Overdrafts : For existing Royal Bank customers for up to 12 months. After 12 months, we’ll contact you to review.

Financing your growth

Whether you’re looking for a small business loan to expand or a larger loan to purchase premises, we have a variety of fixed and variable options to suit your  needs.

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Criteria apply.

Short-term borrowing

Discover how a Royal Bank Business Overdraft could be your business’ safety net. From £500 to £50,000, apply now to protect against unexpected bills.

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Release cash from invoices

Invoice finance is a way to gain quick access to funds by raising them from your existing unpaid invoices. Find out how it works and if it could benefit you.

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Specific eligibility criteria apply.

Commercial cards

Royal Bank Business banking cards help with expenses without eating into your cash reserves. Compare our cards to find one that matches your business needs.

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Specific eligibility criteria apply.

Trading made easy

Tailored payment solutions

We've got a range of payment options so you can make and take payments in the way that works for you.

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Support with trading

Find a trade loan, issue a bond or guarantee, explore our currency account and get support with trading.

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Banking your way

Our range of digital banking options mean you can do your banking in the way that best suits you and your business.

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You could be making savings by taking card payments with us.

Taking card payments with Tyl by NatWest (part of our parent group) could save 8/10 customers money on their payment fees*.

*Savings based on customers switching looking to switch from various providers to Tyl between Jan and March 2023. Your existing provider may charge an exit fee. Average savings not inclusive of introductory offers or any exit fees you may have been charged. Additional fees may apply for data usage or app downloads. Tyl eligibility criteria, terms, conditions and fees apply.

Scale your business

Local Enterprise Managers

Get the expertise you need with one-to-one mentoring or local talks and events.

Get inspired from our growth hub

Discover specialist insights and solutions that could help you achieve your growth ambitions.

Get investor ready today

Get tips on perfecting your pitch, attracting investors and exploring the current funding landscape.

Get in touch

If you're not sure where to start, Cora, your digital assistant, can help with your queries 24/7. If it's something that needs extra support, she'll connect you to a person from our webchat team, during working hours.

 

Looking for support for a different business size