Barclays business account: fees, features and catches
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
Quick answer
Barclays’ business current account had no monthly fee for 12 months for eligible start-ups and switchers, then £8.50 a month, as of 3 October 2026. Transaction charges apply.
It came with 12 months of Sage accounting software free, then 50% off.
Who it’s for
- Start-ups and switchers who want a high-street bank with branches
- Businesses that will use Sage
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You want a permanently free account — £8.50 a month applies after year one
- You make many chargeable transactions
Fees and offers
| Item | Detail |
|---|---|
| Monthly fee | £0 for 12 months, then £8.50 |
| Transaction charges | Apply — see Barclays’ tariff |
| Software offer | Sage free for 12 months, then 50% off |
| Branch access | Yes |
Figures as of 3 October 2026, from Barclays’ business website.
The catch
Transaction charges apply on top of the monthly fee, so your real cost depends on how you bank.
Check Barclays’ business account terms.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
How long is Barclays business banking free?
12 months for eligible customers, then £8.50 a month, as of 3 October 2026.
Is a Barclays business account FSCS protected?
Barclays is a UK-authorised bank. Eligible deposits with a UK-authorised bank are protected by the FSCS up to £120,000 per person, per banking licence (source: FSCS).
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