The Smart
Business Account

Simple, secure and reliable. Open a business current account through Xonder today and receive your account number and sort code in a matter of minutes.

Free Business Account

No Monthly Fees | No Transaction Fees

The Smart
Business Account

Simple, secure and reliable. Open a business current account through Xonder today and receive your account number and sort code in a matter of minutes.
Simple, secure and reliable. Open a business current account through Xonder today and receive your account number and sort code in a matter of minutes.

Xonder gives you the freedom to run your business

Business accounts that excel

Business accounts
that excel

We’ll get it sorted

Xonder automatically sorts income and spending, and you can customise the labels to suit you

Hassle-free expenses

Upload any receipts and automatically match them to transactions – simple!

Syncing made simple

Save time and stress by syncing your account with any accountancy software of your choice

Send, pay and track invoices

Our app allows you to keep track of your invoices – no need for multiple apps!

Xonder makes it simple

Access, wherever you are

Banking on the go, or working from home? We’ve got you covered with our desktop and mobile apps

Need to give your team access?

Share responsibilities by inviting colleagues or business partners to view and download transactions

Need CSV files?

Our software allows you to download your payments and upload them to any accounting software

Saving time with syncing

Connect your account to Xero, QuickBooks, FreeAgent, Sage, KashFlow and Reckon for a more streamlined process

Free Business Account

No monthly fees | No transaction fees

Access all your finance admin through one app

Direct Debits

Send and manage any Direct Debits within the app

Scheduled Payments

Set up and edit either standing orders or one-off payments

Statements

Monthly and ad-hoc statements downloadable in PDF format

CSV exports and more

Export transactions in various formats or share them with your accountant

Accounting Integration

Seamlessly integrate your transaction feed to accounting software like Xero and QuickBooks

Manage Limits

View your account limits with ease and request changes within the app

Business types supported by Xonder

SOLE TRADERS

Get simple and secure business current accounts and your own business Mastercard to go with, no monthly or service fees, perfect for freelancers, consultants and contractors 

LIMITED COMPANIES

Feature-rich business accounts ideal for small businesses, manage Direct Debits, accounting integration, invoicing etc. all from one app and give your business partners or colleagues team access

It's true - Xonder is completely free

Unlike regular high street banks, Xonder will not charge you for withdrawals, transfers, payments or any other services. Whether you’re using Xonder as a sole trader or limited company, our business accounts are always 100% free – no monthly charge, no additional fees.

Free
£0.00 p/m

 

HIGH STREET BANK
£9.99 p/m
(Approx)

Your Xonder business card

Replacement Card Fee

Transfers in & out

ATM Withdrawals

Multi-business – hold up to 5 business accounts

Mobile Sign Up

Expense Cards

In App Support

Phone Support

Spend Card Abroad 

Free

£5

Free

Available

Free

Available

5 Free, coming soon

Available

Available

Free (GBP converted using the Mastercard Rate)

Up to £7

£5 

20p per transfer

 

Up to £1 fee

Limited

Limited

Limited

Limited

Limited

Don’t just take our word for it…

Toby Mason

The team were supportive every step of the way! Always on hand if I needed any sort of help.

Jean Hobbs

The easiest business account to sign up to, everything was done so quickly.

Tom Goode

From set up to acceptance it has been such a seamless set up and instalment.

Charlie Walker

Xonder business account has been the biggest benefit to my business!

Free Business Account

No Monthly Fees | No Transaction Fees

It's true - Xonder is completely free!

Unlike regular high street banks, Xonder will not charge you for withdrawals, transfers, payments or any other services. Whether you’re using Xonder as a sole trader or limited company, our business accounts are always 100% free – no monthly charge, no additional fees.

Free
£0.00 p/m

Add Your

HIGH STREET BANK
£9.99 p/m
(Approx)

Your Xonder business card

Multi-business – hold up to 5 business accounts

Transfers in & out

Incorporation fees

ATM withdrawals

Cash deposits at the post office

International payments

Expense Cards for your team

Payments a day

Free

Free

Free

Free

Free

Free

Free

£5 per month

Unlimited

Up to £7

20p per transfer

Up to £1 fee

Up to 0.3% fee

Not available

£5 per month

up to £10,000

Don’t just take our word for it…

Toby Mason

The team were supportive every step of the way! Always on hand if I needed any sort of help.

Jean Hobbs

The easiest business account to sign up to, everything was done so quickly.

Tom Goode

From set up to acceptance it has been such a seamless set up and instalment.

Charlie Walker

Xonder business account has been the biggest benefit to my business!

It's true - Xonder is completely free!

Unlike regular high street banks, Xonder will not charge you for withdrawals, transfers, payments or any other services. Whether you’re using Xonder as a sole trader or limited company, our business accounts are always 100% free – no monthly charge, no additional fees.

Free
£0.00 p/m

 

Your Xonder business card

Free

Replacement Card Fee

£5

Transfers in & out

Free

ATM Withdrawals

20p per transfer

Multi-business – hold up to 5 business accounts

Free

Mobile Sign Up

Available

Expense Cards

5 Free, coming soon

In App Support

Available

Phone Support

Available

Spend Card Abroad

Free (GBP converted using the Mastercard Rate)

Don’t just take our
word for it…

Toby Mason

The team were supportive every step of the way! Always on hand if I needed any sort of help.

Jean Hobbs

The easiest business account to sign up to, everything was done so quickly.

Tom Goode

From set up to acceptance it has been such a seamless set up and instalment.

Charlie Walker

Xonder business account has been the biggest benefit to my business!

Charlie Walker

Xonder business account has been the biggest benefit to my business!

All your business finance admin in one app

Direct Debits

Send and manage any direct debits in the app

Secheduled Payments

Set up or edit standing orders and one-off payments

Statements

Monthly and ad-hoc statements, download as a PDF

CSV exports and more

Export your transactions in multiple formats or share with your accountant

Accounting Integration

Instantly link your transaction feed to accounting software like Xero and QuickBooks

Manage Limits

Easily Review your accounts limits and request changes directly in the app

All your business finance admin in one app

Direct Debits

Send and manage any direct debits in the app

Scheduled Payments

Set up or edit standing orders and one-off payments

Statements

Monthly and ad-hoc statements, download as a PDF

CSV exports and more

Export your transactions in multiple formats or share with your accountant

Accounting Integration

Instantly link your transaction feed to accounting software like Xero and QuickBooks

Manage Limits

Easily Review your accounts limits and request changes directly in the app

Everything you could want, and more

Fast setup

Can’t wait? No problem! We can get you set up in minutes

Secure and reliable

We’re constantly working on our system to ensure it’s fully protected and secure

Unrivalled support

No matter your issue, we’re here to help you 24/7, 365 days a year

Business tips from our expert community

Frequently asked questions

With Xonder, you can expect to receive:

  • A FREE Xonder business account
  • Your very own business MasterCard with free purchases both at home and abroad
  • Instant invoice creation and payment

Any European National ID cards, international driving licences or passports are enough for us to be able to verify your identity.

We strived to make Xonder’s application process as quick and smooth as possible. Most accounts are usually approved and ready to go within several minutes. Some applications can be more complex and take longer to approve, however you can still expect to receive your business account in a smooth and timely manner.

No, Xonder does not carry out credit checks! Although, in order to open a business current account, we do conduct an electronic check (run by a third-party service) for the sake of verifying your identity and complying with UK anti-money laundering regulations. These checks will not affect your credit score, however they will show up on your credit report.

Yes! Applicants who are not based in the UK are more than welcome to apply for a Xonder business account, so long as they are directors of the company and it must be registered with UK Companies House. Occasionally, we may perform some additional checks, so we are able to process your application without any hassle.

Our business accounts are completely FREE of charge.

GBP payments that are sent within the Xonder app are all made as Faster Payments.

Payments can be made as either:

  • Direct Debits
  • one-off transfers
  • scheduled payments (whether they are future-dated transfers or standing orders)

Business tips from our expert community

Starting a business?

Check out our top 10 most effective steps to start your business in the UK

Need accounting help?

Read our complete guide to small business accounting

Net profit margin

What is it and how do you calculate it?

Have another question?

Fill in the form below with your question and we will get back to you as soon as possible.

Xonder's Smart Business Account gives you more time to focus on what is important - your business.

Whether you’re on-the-go or working from home, you can easily access your account in a way that suits you. Get started for free today.

Apply in Minutes From the App

Enter a uk mobile number and we will send you a link to get the app

What we offer

What we offer