Re-opening? We never closed

Re-opening? We never closedRe-opening? We never closed.

Find out how New Hopetoun Gardens have been running a delivery service during lockdown so customers could pick from the largest range of plants in Scotland without leaving their gardens.

Coronavirus – Supporting your business.

Find out what additional financial support is available for businesses impacted by coronavirus.

Banking with us.

£0-3m turnover £3m-25m turnover £25m+ turnover Resource centre Online banking.

Help and Support.

Coronavirus support Customer support Preventing and reporting fraud Cyber risk Support through financial difficulty Help with bereavement Digitally upskill your business SME Finance Charter.

Online Banking.

Log onto Business Internet Banking Register for Business Internet Banking Mobile Banking What you can do online Commercial Banking online.

International Trade Portal.

Your gateway global trade.

An entrepreneur guide.

Find information and inspiration from a variety of experts.

Independent service quality survey results.

Business current accounts.

Published February 2020.

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,200 customers of each of the 14 largest business current account providers if they would recommend their provider to other small and medium-sized enterprises (SMEs*). The results represent the view of customers who took part in the survey.

Overall service quality.

We asked customers how likely they would be to recommend their business current account provider to other SMEs.

Ranking.

The requirement to publish the Financial Conduct Authority Service Quality Information for Business current accounts can be found here.

Business Mobile app.

Pay in cheques up to £999 using the mobile app. And now you can log on using your fingerprint or Face ID on compatible devices.

Insurance for Small Businesses.

We work with Arthur J. Gallagher Insurance Brokers Limited to provide you with specialist advice for all of your insurance needs.

Enhanced online security.

Soon we’re introducing new ways to log in to give you an extra layer of security in Business Internet Banking.

Compare our Business Banking products and services.

Review alternative sources of business finance and compare products and services:

FundingXchange Funding Options Business Finance Compared Swoop opens in a new tab Alternative Business Funding.

We approve 9 out of 10 loan and overdraft applications ¹

Loans 9.3% APR representative 2.

Representative example : 9.3% APR based on an assumed unsecured loan amount of £8,000 with 60 monthly repayments of £165.68 at an annual interest rate of 8.90% (fixed). Total amount payable £9,940.80.

Overdrafts 10.31% EAR 3 representative 4.

Applies to unsecured overdrafts up to £25,000. Charges apply. £10 monthly usage fee payable if you go overdrawn by £50 more. Interest calculated daily and charged monthly.

£0-£3m turnover £3m-£25m turnover.

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

Privacy notice update.

We work hard to keep your personal and business data secure, which includes regularly reviewing our privacy notice. When there’s an important change we’ll remind you to take a look and share it with anyone within your business who might need to know. This is so you’re aware of how we use your data and what your options are. Please review the latest privacy notice.

1 9 out of 10 is based on formal credit applications and is an average across the period January 2017 – December 2017.

2 The representative APR is an illustration of the rate that the majority of customers will receive. If a loan is described as having a particular representative APR, then we expect to offer that rate or better to at least 51% of the applicants we accept. Other customers may get a different rate based on their individual circumstances.

Our representative APR applies to all unsecured loans with a borrowing amount of up to £25,000 for businesses with a turnover of up to £25 million. This figure is not necessarily the rate you will be receiving and is for illustrative purposes only.

3 EAR stands for equivalent annual rate. It is the rate you would pay if you go overdrawn to the full limit of your facility for the entire year. It takes into account the interest rate you are charged as a result and how often it’s charged – in this case interest is calculated daily and charged monthly. It then takes into account the effect of compounding – charging interest on interest – on your debt. Charges for unarranged overdrafts are charged separately.

4 The representative EAR is an illustration of the rate that the majority of customers will receive. If an overdraft is described as having a particular representative EAR then we expect to offer that rate or better to at least 51% of the applicants we accept. Other customers may get a different rate based on their individual circumstances.

Our representative EAR applies to all unsecured overdrafts with a borrowing amount of up to £25,000 for businesses with a turnover of up to £25 million. This figure is not necessarily the rate you will be receiving and is for illustrative purposes only.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

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