The Indie Hacker's Guide to UK Business Banking in 2026

A 2026 UK digital business banking guide compares Starling Business, Tide, Mettle, Monzo Business, and Revolut Business.

It maps each account to different founder needs, including pre-revenue testing, invoicing, UK-only sole trading, GBP-only banking, and international sales.

Key factors are fees, bookkeeping integrations, multi-currency support, FX charges, lending access, and FSCS protection.

The guide warns that free plans can become expensive depending on transaction patterns, so choosing the right account early can save money and switching costs.