Sources

Every fee, rule, date and price on this site comes from the list below. Each one links to the page it was read from and shows when it was last checked. Changes are logged on data updates.

Companies House fees

Fact Value Source Checked
Change of company name (online or software) £20 Companies House fees (GOV.UK) 31 October 2026
Change of company name (paper) £30 Companies House fees (GOV.UK) 31 October 2026
Confirmation statement (online or software)
Fee applies to the first statement filed in each 12-month payment period.
£50 Companies House fees (GOV.UK) 31 October 2026
Confirmation statement (paper)
Fee applies to the first statement filed in each 12-month payment period.
£110 Companies House fees (GOV.UK) 31 October 2026
Incorporate a private limited company (online) £100 Companies House fees (GOV.UK) 31 October 2026
Incorporate a private limited company (paper) £124 Companies House fees (GOV.UK) 31 October 2026
Incorporate a private limited company (software filing) £100 Companies House fees (GOV.UK) 31 October 2026

Identity verification

Fact Value Source Checked
ACSP route (works from any country)
The ACSP must be registered with a UK AML supervisory body
Available from any country; ACSP may charge a fee Verifying your identity for Companies House - GOV.UK 31 October 2026
Acting as a director after the deadline without verifying Offence by the director; the company may also commit an offence Verifying your identity for Companies House - GOV.UK 31 October 2026
Consequences of not verifying
Companies House also plans a public register note and a bar on new appointments or incorporations
Possible offence; prosecution and fine, or financial penalty Verifying your identity for Companies House - GOV.UK 31 October 2026
Cost of verifying through GOV.UK One Login Free Verifying your identity for Companies House (GOV.UK) 31 October 2026
Deadline to finish the Post Office route
Counted from the booking date. Added 22 September 2026
21 days How to prove your identity for Companies House at the Post Office - GOV.UK 31 October 2026
Existing PSC who is not a director: when the window starts
Applies to PSCs who are not directors of the same company
First 14 days of birth month When you need to verify your identity for Companies House - GOV.UK 31 October 2026
Expired DVLA driving licence accepted for up to
An expired passport cannot be used with the One Login app. An expired BRP, BRC or FWP is accepted for up to 18 months
90 days Verify your identity for Companies House - GOV.UK 31 October 2026
GOV.UK One Login verification routes
One Login asks questions first to choose the route
App; online security questions; photo ID details online then a Post Office Verifying your identity for Companies House - GOV.UK 31 October 2026
Identity verification became a legal requirement 18 November 2025 Verifying your identity for Companies House (GOV.UK) 31 October 2026
Length of the personal code
Page last updated 13 July 2026
11 characters Companies House personal codes for identity verification - GOV.UK 31 October 2026
Official list of ACSPs
List last updated 23 October 2026. Companies House does not endorse the agents listed. Check the ceased and suspended list before using one
Yes: a published CSV list, but it is not complete List of Authorised Corporate Service Providers (ACSPs) - GOV.UK 31 October 2026
One personal code covers all your roles
You verify once even if you are a director of several companies
Same code for every appointment Companies House personal codes for identity verification - GOV.UK 31 October 2026
Other information needed to verify
One email address can verify only one identity
Current address and year moved in; a GOV.UK One Login account Verify your identity for Companies House - GOV.UK 31 October 2026
Photo ID accepted to verify online
The passport can be from any country, which matters for people outside the UK
Biometric passport (any country); UK photo driving licence (full or provisional); UK BRP; UK BRC; UK Frontier Worker permit Verify your identity for Companies House - GOV.UK 31 October 2026
Post Office route needs original photo ID
The Post Office check is free
Original photo ID only How to prove your identity for Companies House at the Post Office - GOV.UK 31 October 2026
PSC extension available
Must be requested before the deadline passes
14 days Provide identity verification details for a person with significant control (PSC) - GOV.UK 31 October 2026
PSC who is also a director: when the window starts
Filing the confirmation statement early does not change these dates
Day after the confirmation statement date When you need to verify your identity for Companies House - GOV.UK 31 October 2026
PSC window to provide the personal code
The dates depend on whether the PSC was registered before 18 Nov 2025 and whether they are also a director
14 days Verifying your identity for Companies House - GOV.UK 31 October 2026
Route for UK residents without accepted photo ID
Offered only to people living in the UK. Expired documents cannot be used on this route
Bank or building society details plus National Insurance number and security questions Verify your identity for Companies House - GOV.UK 31 October 2026
Time to get the Post Office result
Usual time. A successful result email includes the personal code
1 day How to prove your identity for Companies House at the Post Office - GOV.UK 31 October 2026
Time to get your code after ACSP verification
Sent to the email address you gave the ACSP. Page published 28 May 2026
Within a few hours Using an Authorised Corporate Service Provider (ACSP) to verify your identity - GOV.UK 31 October 2026
Time to visit the Post Office after booking
Approximate. The exact date is on your customer letter. Page last updated 22 September 2026
15 days How to prove your identity for Companies House at the Post Office - GOV.UK 31 October 2026
Transition period for existing directors and PSCs
Each person still has their own due date; 18 Nov 2025 itself is not a deadline
12 months from 18 November 2025 Verify your identity for Companies House - GOV.UK 31 October 2026
Unverified directors block the confirmation statement Cannot file until all directors are verified Verifying your identity for Companies House - GOV.UK 31 October 2026
Verification for people who file
At least 6 months' notice promised
No earlier than November 2027 Identity verification - Changes to UK company law 31 October 2026
Verifying through an Authorised Corporate Service Provider (ACSP) ACSPs may charge a fee; they can be based in any country Verifying your identity for Companies House (GOV.UK) 31 October 2026
Voluntary identity verification opened 8 April 2025 Verifying your identity for Companies House (GOV.UK) 31 October 2026
When Companies House treats non-compliance as serious
A guideline, not a fixed rule. Publication updated 5 December 2025
3 or more offences in 5 years Companies House approach to non-compliance with mandatory identity verification - GOV.UK 31 October 2026
When existing directors provide their personal code With the company's next confirmation statement Verifying your identity for Companies House (GOV.UK) 31 October 2026
When new directors provide their personal code With the appointment filing, or when incorporating a company Verifying your identity for Companies House (GOV.UK) 31 October 2026
When persons with significant control provide their personal code Within a 14-day period (start date depends on when they were registered) Verifying your identity for Companies House (GOV.UK) 31 October 2026
Where to find your personal code
If you verified after 8 July 2026, the code was also emailed to you
Companies House account, 'Manage account' tab Companies House personal codes for identity verification - GOV.UK 31 October 2026

Company name rules

Fact Value Source Checked
Characters compared in the 'same as' test
Only the first 60 permitted characters (spaces counted) are compared, after the earlier steps of Schedule 3 are applied.
60 characters The Company, Limited Liability Partnership and Business (Names and Trading Disclosures) Regulations 2015, Schedule 3 31 October 2026
Maximum length of a company name
Blank spaces between characters count towards the limit.
160 characters The Company, Limited Liability Partnership and Business (Names and Trading Disclosures) Regulations 2015, regulation 2 31 October 2026

Registration providers

Fact Value Source Checked
ANNA company registration
Free only with ANNA's paid Enhanced or Total Support plans. ANNA is an e-money institution, not a bank.
Free ANNA: register a company 31 October 2026
ANNA company registration (standard price)
ANNA's own published price. Registration is free with ANNA's paid Enhanced or Total Support plans.
£19 ANNA: Register a company 1 November 2026
Tide company registration
One-off fee; a free Tide business account is included.
£14.99 Tide: company registration 31 October 2026

Setting up a company

Fact Value Source Checked
Company secretary Not required for a private limited company Appoint directors and a company secretary (GOV.UK) 31 October 2026
Details a company must show on letters, order forms and websites Its registered number, the part of the UK it is registered in, and its registered office address The Company, Limited Liability Partnership and Business (Names and Trading Disclosures) Regulations 2015, regulation 25 31 October 2026
How long online registration takes usually within 24 hours Register your company (GOV.UK) 31 October 2026
How long postal registration takes 8 to 10 days Register your company (GOV.UK) 31 October 2026
Minimum age of a director 16 years Appoint directors and a company secretary (GOV.UK) 31 October 2026
Minimum number of directors 1 Appoint directors and a company secretary (GOV.UK) 31 October 2026
Minimum number of shareholders
The shareholder can also be a director.
1 Set up a limited company: step by step (GOV.UK) 31 October 2026
Registered email address Required; it is not published on the public register Rules for registered office addresses and email addresses (GOV.UK) 31 October 2026
Registered office address
It appears on the public register. Royal Mail PO Boxes and similar services can no longer be used.
A physical UK address in the same country the company is registered in (England and Wales, Scotland, or Northern Ireland) Rules for registered office addresses and email addresses (GOV.UK) 31 October 2026
Where directors must live Directors do not have to live in the UK, but the company needs a UK registered office address Appoint directors and a company secretary (GOV.UK) 31 October 2026

Confirmation statements

Fact Value Source Checked
Changes to file before the statement Directors and secretary; PSCs; registered office address; registered email address Filing your company's confirmation statement - GOV.UK 31 October 2026
Changes you can report on the statement itself SIC code; statement of capital; trading status of shares; PSC exemption; shareholder information Running a limited company: your responsibilities: Confirmation statement - GOV.UK 31 October 2026
Criminal offence for late filing
Companies Act 2006 s853L; daily default fines apply
Offence by the company and every officer in default Companies Act 2006, section 853L (legislation.gov.uk) 31 October 2026
Fee charged once per payment period
The payment period is separate from the review period
Only on the first statement in each 12-month payment period Filing your company's confirmation statement - GOV.UK 31 October 2026
Filing deadline after the review period ends
Statutory basis is Companies Act 2006 s853A(1)
14 days Filing your company's confirmation statement - GOV.UK 31 October 2026
Filing early Allowed; you choose a new confirmation statement date Filing your company's confirmation statement - GOV.UK 31 October 2026
How often to file At least once every 12 months Filing your company's confirmation statement - GOV.UK 31 October 2026
How to file
Online filing needs a password and an authentication code
Online on Companies House WebFiling, or paper CS01 by post File your confirmation statement (annual return) with Companies House - GOV.UK 31 October 2026
Identity verification needed to file Personal code for each director, plus a verification statement Filing your company's confirmation statement - GOV.UK 31 October 2026
Lawful purpose statement
Introduced by the Economic Crime and Corporate Transparency Act
Must state intended future activities are lawful Filing your company's confirmation statement - GOV.UK 31 October 2026
Maximum fine for not filing
The company may also be struck off
£5,000 Filing your company's confirmation statement - GOV.UK 31 October 2026
Must file even if nothing has changed Yes Filing your company's confirmation statement - GOV.UK 31 October 2026
Registered email address required Required if not already provided; not published Filing your company's confirmation statement - GOV.UK 31 October 2026
When the review period ends 12 months after incorporation (first) or after the last confirmation statement date Filing your company's confirmation statement - GOV.UK 31 October 2026
Who must file a confirmation statement
Page last updated 21 April 2026
Every company, including dormant ones Filing your company's confirmation statement - GOV.UK 31 October 2026

Dormant companies

Fact Value Source Checked
Change-of-name fee does not break dormancy
s1169(3)(b)(i)
Disregarded Companies Act 2006, section 1169 (legislation.gov.uk) 31 October 2026
Companies House definition of dormant No 'significant' transactions in the financial year Dormant companies and associations: Dormant for Companies House - GOV.UK 31 October 2026
Company Tax Returns after telling HMRC Not needed unless HMRC asks or trading restarts Tell HMRC your company is dormant for Corporation Tax - GOV.UK 31 October 2026
Deadlines and penalties for dormant accounts Same as for other accounts Preparing and filing Companies House accounts - GOV.UK 31 October 2026
Dormant accounts option
No auditor's report is needed
Dormant and 'small' companies can file dormant accounts Dormant companies and associations: Dormant for Companies House - GOV.UK 31 October 2026
Dormant companies must still file Confirmation statement and annual accounts Dormant companies and associations: Dormant for Companies House - GOV.UK 31 October 2026
Meaning of 'significant accounting transaction'
s1169(2)
A transaction required by s386 to be entered in accounting records Companies Act 2006, section 1169 (legislation.gov.uk) 31 October 2026
No need to tell Companies House when trading restarts
The next non-dormant accounts show the change
Not required Dormant companies and associations: Dormant for Companies House - GOV.UK 31 October 2026
Software-only accounts filing starts
Applies to all accounts filing
1 April 2028 File your company's annual accounts with Companies House - GOV.UK 31 October 2026
Statutory definition of dormant
Companies Act 2006 s1169(1)
No significant accounting transaction Companies Act 2006, section 1169 (legislation.gov.uk) 31 October 2026
Telling HMRC the company is dormant You can tell HMRC it is dormant for Corporation Tax Dormant companies and associations: Dormant for Corporation Tax - GOV.UK 31 October 2026
Transactions that do not break dormancy (GOV.UK)
s1169(3) also lists fees for change of name, re-registration and the confirmation statement
Companies House filing fees; late filing penalties; money paid for shares on incorporation Dormant companies and associations: Dormant for Companies House - GOV.UK 31 October 2026
UTR needed for HMRC's dormant service
Number of digits in the UTR. You also need the company name and the date trading stopped
10 Tell HMRC your company is dormant for Corporation Tax - GOV.UK 31 October 2026
VAT deregistration deadline if not trading again
If you plan to restart, send nil VAT returns instead
30 days Dormant companies and associations: Dormant for Corporation Tax - GOV.UK 31 October 2026
What counts as trading for Corporation Tax Buying, selling, renting property, advertising, employing someone, getting interest Dormant companies and associations: Dormant for Corporation Tax - GOV.UK 31 October 2026
What dormant accounts leave out
A balance sheet with a dormancy statement is still required. Page updated 23 October 2026
No profit and loss account or directors' report Preparing and filing Companies House accounts - GOV.UK 31 October 2026
Who can use paper form AA02
The only transaction must be the issue of subscriber shares. Page last updated 5 March 2015
Companies limited by shares that have never traded File your dormant accounts (AA02) - GOV.UK 31 October 2026

Changing a company name

Fact Value Source Checked
'Same as' rule
Limited exceptions: same group, or written consent
Cannot match an existing registered name Set up a private limited company: Choose a company name - GOV.UK 31 October 2026
Certificate issued on change of name Certificate showing new name and registration date Tell Companies House about changes to your limited company - GOV.UK 31 October 2026
Deadline to send the resolution to Companies House
Companies Act 2006 s30(1)
15 days Companies Act 2006, section 30 (legislation.gov.uk) 31 October 2026
Fee for same-day change of name
Companies House's fees page shows £85 for online and software filing; one older guidance page still says £83
£85 Companies House fees - GOV.UK 31 October 2026
HMRC may need to be told You may need to tell HMRC Make changes to your private limited company: Overview - GOV.UK 31 October 2026
Majority needed for a special resolution
Guidance updated 19 October 2026
75% Incorporation and names - GOV.UK 31 October 2026
Name rules apply to the new name All company name rules apply Make changes to your private limited company: Company name - GOV.UK 31 October 2026
Paper form for a change under the articles
£30 by cheque
NM04 Make changes to your private limited company: Company name - GOV.UK 31 October 2026
Paper form for special resolution NM01, with a copy of the resolution Make changes to your private limited company: Company name - GOV.UK 31 October 2026
Required ending for a private limited company
Welsh companies can use 'Cyfyngedig' or 'Cyf'
'Limited' or 'Ltd' Set up a private limited company: Choose a company name - GOV.UK 31 October 2026
Rights and obligations unaffected by a name change
s81(2)
Unaffected Companies Act 2006, section 81 (legislation.gov.uk) 31 October 2026
Update signs and stationery
A sign is also required at the registered office and places of business
Company name must appear on all documents, publicity and letters Running a limited company: your responsibilities: Signs, stationery and promotional material - GOV.UK 31 October 2026
Ways a company can change its name
Companies Act 2006 s77(1)
Special resolution, or other means provided in the articles Companies Act 2006, section 77 (legislation.gov.uk) 31 October 2026
What the online service covers Special resolution changes only Change a company name (NM01) - GOV.UK 31 October 2026
When the new name takes effect
Companies Act 2006 s81(1)
Date the new certificate of incorporation is issued Companies Act 2006, section 81 (legislation.gov.uk) 31 October 2026

Registered office address

Fact Value Source Checked
Appropriate address test, part 1 Documents would come to the attention of someone acting for the company Improving the quality of data on our registers - Changes to UK company law 31 October 2026
Appropriate address test, part 2 Delivery can be recorded by acknowledgement Improving the quality of data on our registers - Changes to UK company law 31 October 2026
Change notice must confirm the address is appropriate
s87(1A), added by ECCTA
Statement required Companies Act 2006, section 87 (legislation.gov.uk) 31 October 2026
Companies House default address
Statutory basis is s1097A
Companies House moves an inappropriate address to its default address Incorporation and names - GOV.UK 31 October 2026
Companies House tells HMRC Yes Make changes to your private limited company: Company address - GOV.UK 31 October 2026
Deadline to replace the default address
Evidence of ownership is needed, or strike-off may start
28 days Incorporation and names - GOV.UK 31 October 2026
Duty to keep an appropriate address
Companies Act 2006 s86(1)
At all times Companies Act 2006, section 86 (legislation.gov.uk) 31 October 2026
Home address used as registered office is public Publicly available Change a company's registered office address (AD01) - GOV.UK 31 October 2026
How to change the registered office
AD01 page last updated 17 November 2025. Online filing needs the company authentication code
Companies House online service, or paper form AD01 Change a company's registered office address (AD01) - GOV.UK 31 October 2026
New address must be in the same part of the UK
Moving to another part of the UK requires re-incorporation
Same jurisdiction as incorporation Make changes to your private limited company: Company address - GOV.UK 31 October 2026
Offence for an inappropriate address
s86(3): applies if there is no reasonable excuse
Offence by the company and every officer in default Companies Act 2006, section 86 (legislation.gov.uk) 31 October 2026
Old address still valid for serving documents
Counted from the date the new address is registered (s87(2))
14 days Companies Act 2006, section 87 (legislation.gov.uk) 31 October 2026
Online change on Find and update company information
Listed under the service's current features
Available Search the register - Find and update company information - GOV.UK 31 October 2026
PO Boxes not allowed
Includes equivalent services from other providers
Not allowed Improving the quality of data on our registers - Changes to UK company law 31 October 2026
When a paper AD01 is required Defaulted to the Companies House address; in liquidation; restoration; unregistered company Change a company's registered office address (AD01) - GOV.UK 31 October 2026
When the change takes effect
Companies Act 2006 s87(2)
When Companies House registers the notice Companies Act 2006, section 87 (legislation.gov.uk) 31 October 2026

Companies House search

Fact Value Source Checked
Accuracy disclaimer Companies House does not check filed information Search the register - Find and update company information - GOV.UK 31 October 2026
Certified copy of a document by post
Up to 10 pages. Same-day service is £65
£22 Companies House fees - GOV.UK 31 October 2026
Check the name index before choosing a name
Guidance also suggests checking the UK IPO trade marks register
Check for 'same as' names on the index Incorporation and names - GOV.UK 31 October 2026
Cost of searching the register
Fees page updated 25 September 2026
Free Companies House fees - GOV.UK 31 October 2026
Disqualified directors search Available on Find and update company information Search the register - Find and update company information - GOV.UK 31 October 2026
Fee to make a missing filing image available £3 Companies House fees - GOV.UK 31 October 2026
Free company details available Registered address, incorporation date, officers, document images, charges, previous names, insolvency info Get information about a company - GOV.UK 31 October 2026
Free email alerts Free alerts when a company updates its details Get information about a company - GOV.UK 31 October 2026
Officer information Current and resigned officers Get information about a company - GOV.UK 31 October 2026
Official company name availability checker https://find-and-update.company-information.service.gov.uk/company-name-availability Company name availability checker - Find and update company information - GOV.UK 31 October 2026
Official search service
Searches by company name, company number or officer name
Find and update company information Search the register - Find and update company information - GOV.UK 31 October 2026
Other official search tools Advanced company search; alphabetical company search; dissolved company search Search the register - Find and update company information - GOV.UK 31 October 2026
What the disqualified directors register shows
Covers courts, Insolvency Service, CMA, FCDO and OFSI disqualifications
Name, reason, start date, number of disqualifications, permission to act, address and date of birth if available Search for disqualified company directors - GOV.UK 31 October 2026

VAT numbers

Fact Value Source Checked
12-digit branch trader numbers 9-digit VAT number + 3-digit branch suffix Vies on-the-Web - European Commission (FAQ) 31 October 2026
A format check can't confirm registration Only confirms the number complies with the required format EM3058 - Examining Accounts: False Invoices 31 October 2026
Check method Modulus 97 VATAFRS2500 - Appendices: How to verify the validity of a certificate number 31 October 2026
Check-digit formula used by HMRC's own software
From HMRC's open-source code (Apache-2.0), not published guidance
Weights 8 to 2 on the first 7 digits, plus the check digits; valid if the total, or the total + 55, divides by 97 HMRC source code: vat-registration-frontend VrnConstraints.scala 31 October 2026
EU VIES checker Checks EU VAT numbers (and XI numbers) Vies on-the-Web - European Commission (Technical information) 31 October 2026
GB VAT number formats (EC table)
12-digit = branch traders; GD = government departments; HA = health authorities
GB999 9999 99 | GB999 9999 99 999 | GBGD999 | GBHA999 Vies on-the-Web - European Commission (FAQ) 31 October 2026
Government department numbers
Departments also have a 9-digit number beginning 888 8, which HMRC says should be used on invoices
GD + 3 digits VATGPB9400 - Government departments and health authorities: registration 31 October 2026
HMRC Check a UK VAT number service Shows the name and address of the business a number is registered to Check a UK VAT number - GOV.UK 31 October 2026
Last two digits are check digits Calculated from the first 7 digits by a standard formula EM3058 - Examining Accounts: False Invoices 31 October 2026
Northern Ireland XI prefix
For businesses moving goods between Northern Ireland and the EU
XI + usual VAT number Register for VAT: Selling or moving goods between Northern Ireland and the EU - GOV.UK 31 October 2026
UK VAT number length
HMRC internal manual
9 VATREG03700 - Registration - general: VAT registration number 31 October 2026
VIES stopped checking GB numbers 1 January 2021 Vies on-the-Web - European Commission 31 October 2026

Trade marks

Fact Value Source Checked
Each additional class £60 Register a trade mark: Apply to register a trade mark - GOV.UK 31 October 2026
Examination report Within 2 to 3 weeks Register a trade mark: After you apply - GOV.UK 31 October 2026
How long a trade mark lasts
Renewable every 10 years
10 years Register a trade mark: When your trade mark is registered - GOV.UK 31 October 2026
Number of trade mark classes
Goods are classes 1 to 34; services are classes 35 to 45
45 How to classify trade marks - GOV.UK 31 October 2026
Official UK trade mark search Search by keyword, phrase or image, by number or by owner Search for a trade mark - GOV.UK 31 October 2026
Online application, one class
Fee since 1 April 2026
£205 Register a trade mark: Apply to register a trade mark - GOV.UK 31 October 2026
Paper application, one class £250 Register a trade mark: Apply to register a trade mark - GOV.UK 31 October 2026
Publication and opposition period 2 months Register a trade mark: After you apply - GOV.UK 31 October 2026
Renewal, first class £245 Renew your trade mark - GOV.UK 31 October 2026
Right Start: initial payment
Plus £30 per additional class; a second payment of the same amount continues the application
£125 Register a trade mark: Apply to register a trade mark - GOV.UK 31 October 2026
Time to registration (no issues) Around 3 to 4 months Register a trade mark: Overview - GOV.UK 31 October 2026

Domain names

Fact Value Source Checked
.com registration lookup (RDAP) Verisign RDAP service IANA RDAP bootstrap file for Domain Name System registrations 31 October 2026
.uk and .co.uk registration lookup (RDAP) Nominet RDAP service IANA RDAP bootstrap file for Domain Name System registrations 31 October 2026
Lookup response for an unregistered name Not found (HTTP 404) RFC 7480 - HTTP Usage in the Registration Data Access Protocol 31 October 2026

Business bank accounts

Fact Value Source Checked
ANNA free plan monthly fee
The plan is called Free (pay for what you use).
Free ANNA: Business account pricing 1 November 2026
ANNA Free plan: incoming payments free each month
Above £1,000 a month of incoming payments, the Free plan charges 0.95% commission.
£1,000 ANNA: Business account pricing 1 November 2026
ANNA main account protection
Main account is e-money issued by PayrNet Limited, an FCA-authorised electronic money institution.
E-money, safeguarded, not FSCS protected ANNA: Business account pricing 1 November 2026
ANNA residency requirement
The same page says the company must be registered with Companies House.
Must be UK resident to open an account ANNA: Limited company business account 1 November 2026
ANNA Savings account protection (separate partner account)
Separate easy access savings account provided by Griffin Bank Ltd; this is not the main ANNA business account.
FSCS protected via Griffin Bank ANNA: Business account pricing 1 November 2026
ANNA: no monthly fee in a month the account is not used No plan fee for unused months ANNA: Business account pricing 1 November 2026
Date the £120,000 FSCS deposit limit took effect
Previous limit was £85,000 (30 January 2017 to 30 November 2025).
1 December 2025 FSCS: Banks, building societies and credit unions 1 November 2026
FSCS deposit protection limit per eligible person per bank
Applies per eligible person per bank, building society or credit union; banks sharing a licence count as one bank.
£120,000 FSCS: Banks, building societies and credit unions 1 November 2026
Mettle account maintenance fee
Shown as the fee for the row "Maintaining the account" in Mettle's Fee Information Document. Mettle+ is an optional £4 a month add-on.
Free Mettle: Fee Information Document 1 November 2026
Mettle account opening fee Free Mettle: Check your eligibility 1 November 2026
Mettle deposit protection
The Mettle bank account is provided by National Westminster Bank plc. The £120,000 limit is shared with other NatWest brands.
FSCS protected (provided by NatWest) Mettle: FSCS key information 1 November 2026
Mettle e-money account protection
Applies to the separate Mettle e-money account from PPS, not the NatWest-provided Mettle bank account.
Not FSCS protected (e-money via PrePay Technologies) Mettle by NatWest: Home 1 November 2026
Mettle FreeAgent included
Condition: at least one transaction a month from the Mettle account, otherwise FreeAgent fees apply.
FreeAgent accounting software included Mettle by NatWest: Home 1 November 2026
Mettle FSCS limit shared with NatWest brands
Relevant if the founder or company also banks with NatWest.
Shared with NatWest, NatWest Premier, Ulster Bank and NatWest Boxed Mettle: FSCS key information 1 November 2026
Mettle limited company restriction
Eligibility page also requires: no more than two PSCs, all PSCs must be individuals, and the applicant must be a director and a PSC.
Up to two owners; only one owner can access the account Mettle by NatWest: Home 1 November 2026
Mettle UK registration requirement
The applicant must also be UK resident and UK tax resident only.
Business must be registered and trading in the UK Mettle: Check your eligibility 1 November 2026
Monzo Business deposit protection
Business account deposits count as a single depositor.
FSCS protected (Monzo Bank Limited is a bank) Monzo Business: Plans and pricing 1 November 2026
Monzo Business eligibility
Monzo's eligibility page (monzo.com/business-banking/eligibility) lists LLPs, companies limited by guarantee, CICs and PLCs as not supported, and says it cannot support dormant companies.
Sole traders and directors of UK limited companies by shares Monzo Business: Plans and pricing 1 November 2026
Monzo Business Lite plan monthly fee
Lite is the standard plan; Pro and Team are paid upgrades.
Free Monzo Business: Plans and pricing 1 November 2026
Monzo Business Pro features
These features are on Pro (£9 a month), not the free Lite plan.
Invoicing, tax pots and Xero connection on Pro Monzo Business: Plans and pricing 1 November 2026
Monzo Business Pro plan monthly fee
First month free. Pro adds invoicing, tax pots and accounting connections such as Xero.
£9 Monzo Business: Plans and pricing 1 November 2026
Monzo Business UK-only restriction Business must be based, registered and tax resident in the UK Monzo Business: Eligibility 1 November 2026
Starling business account monthly fee
Starling offers one business current account rather than tiered plans on this page.
Free Starling: Business bank account 1 November 2026
Starling deposit protection
Business account deposits count as a single depositor, so up to £120,000 in total.
FSCS protected (Starling is a bank) Starling: FSCS protection 1 November 2026
Starling director residency rule Directors with account access must be UK residents Starling: Business bank account 1 November 2026
Starling eligible company types Ltd companies and LLPs registered at Companies House Starling: Business bank account 1 November 2026
Starling invoicing Free invoicing included Starling: Business bank account 1 November 2026
Starling PSC rule All PSCs must be UK-resident individuals (no corporate shareholders) Starling: Business bank account 1 November 2026
Tide cheapest paid plan (Smart) monthly fee
The cheapest paid plan, Smart, is listed at £12.49/m on tide.co/pricing.
£12.49 Tide: Business current account 1 November 2026
Tide deposit protection
Tide itself is not a bank; current and savings accounts are provided by ClearBank. The £120,000 limit is shared across all your ClearBank accounts.
FSCS protected via ClearBank Tide: Plans and pricing 1 November 2026
Tide eligibility for limited companies Open to limited company directors with a UK-based business Tide: Business current account 1 November 2026
Tide free plan (Lite) monthly fee
The pricing page calls the free plan Lite. Transaction, ATM and other per-use fees still apply.
Free Tide: Business current account 1 November 2026
Tide legacy e-money accounts
Applies only to some members on sort code 23-69-72 (e-money accounts from PrePay Technologies). Keep separate from ClearBank accounts.
Safeguarded by PrePay Technologies, not FSCS Tide: Plans and pricing 1 November 2026
Tide requirements for applicants based outside the UK UK residential address, UK phone number, director of a UK-registered company Tide: Business current account 1 November 2026
Wise Business currencies with local account details
Unlocked by the one-off 50 GBP fee.
22 Wise Business: Fees and pricing 1 November 2026
Wise Business eligibility for limited companies
Listed under "Wise works for". For UK businesses, trusts and English, Scottish and Northern Ireland limited partnerships are not supported for new registrations. No director-residency rule found on this page.
Limited companies supported Wise Help Centre: Can my business use Wise? 1 November 2026
Wise Business monthly fee
Wise has no subscription plans; you pay per use.
Free Wise Business: Home (GB) 1 November 2026
Wise Business one-off set-up fee
Registration is free; the 50 GBP one-off fee unlocks account details for receiving money in 22 currencies. Wise's pricing page also describes it as one set-up fee for every Wise Business feature.
£50 Wise Business: Receive money pricing 1 November 2026
Wise money protection
Wise says banks insure deposits through schemes like the FSCS; Wise instead safeguards customer money.
E-money institution; safeguarded, not FSCS Wise Help Centre: How Wise keeps your money safe 1 November 2026
Wise regulatory status Authorised e-money institution (FRN 900507) Wise Business: Fees and pricing 1 November 2026