Best neobank business accounts

Wise

Best for multi-currency and FX

Monthly

Free

FX fee

0.43%

Savings

3.39%

Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local account details make it the account to hold foreign currency in.

• Mid-market exchange rate with a transparent, low FX fee
• Real local account details in 9+ currencies
• Holds and converts 40+ currencies in one balance

Rates as of Jun 2026

Starling Bank

Best for business banking

Monthly

Free

FX fee

0%

Savings

3.25%

Starling is the most complete UK bank account on this list: free abroad, FSCS protected, and with a business account that punches far above its price.

• FSCS-protected UK bank with no fees abroad at all
• Genuinely strong free business account
• Interest paid on the current-account balance

Rates as of Jun 2026

Mercury

Best for startups

Monthly

Free

FX fee

1%

Savings

—

Mercury is the go-to operating account for venture-backed startups, pairing free business banking with a deep sweep network and treasury tools.

• Free business banking built for startups and founders
• Extended FDIC cover through a partner-bank sweep network
• Treasury yield and software integrations built in

Rates as of Jun 2026

ZEN

Best for cross-border shoppers

Monthly

Free

FX fee

0%

Savings

—

ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.

• Purchase money-back rewards on card spending
• Holds and converts 30+ currencies
• Quick onboarding for shoppers and small businesses

Rates as of Jun 2026

Tide Go

Best for sole traders

Monthly

Free

FX fee

0.40%

Savings

—

Tide Go is a quick-to-open business account aimed at UK sole traders.

• Fast business onboarding
• Invoicing and accounting links

Rates as of Jun 2026