Banking that grows with you
Whether you’re managing day-to-day finances or planning for future growth, our business current accounts are designed to support socially minded organisations of every size.
With straightforward pricing, flexible banking tools and support from sector specialists, you’ll have the confidence and visibility to manage your money effectively, while helping create positive social impact across the UK.
Business current accounts
Our business current accounts pricing is split into three tiers based on your annual account turnover.
For customers with an annual turnover† below £100,000
- Open an account with just £50
- Monthly fee of £7
- No transaction fees
For customers with an annual turnover† between £100k to £2 million
- Open an account with just £50
- Monthly fee of £7
- 15p per transaction
For customers with an annual turnover† of over £2 million
- Open an account with just £50
- Monthly fee of £7
- Custom pricing for automated, faster and manual payments
- Dedicated Relationship Manager to help your organisation achieve its goals
†Turnover is the total value of payments received into your account, excluding internal transfers, in a 12-month period.
Tier 0 Loan Servicing Account
We offer a free business current account with limited facilities, designed specifically for customers who only need an account to service their loan with us. There is no restriction on the total value of payments received into your Unity business current account to service your loan repayments.
- No annual turnover limit
- Free to open
- No transaction fees
- Dedicated Relationship Manager to help your organisation achieve its goals
Secure 24/7 Online Banking
Online or paper statements
Arranged overdrafts available*
Single, dual and triple payments authorisation
Cheque books and paying-in books available
*Eligibility criteria applies, see our Overdrafts Key Features Document for details.
Fees and charges apply for additional services such as duplicate statements or unauthorised overdraft interest charges. Please read our Standard Service Tariff for full information relating to our fees and charges.
Additional features
- Flexible controls: Simplify daily spend across your organisation with monitoring tools and adjustable limits per user.
- Pay in cash and cheques: On the high street at your local NatWest, RBS and Ulster Bank, and cash only at the Post Office.
- Transact with confidence: Your deposits are protected by the FSCS up to a total of £120,000.
Overdrafts
Arranged overdrafts are available to our business current account customers to help manage unexpected costs or temporary cash flow gaps. Overdrafts are subject to a credit assessment, meeting of our eligibility criteria and a demonstrated need. Rates offered may vary between customers.
Before you apply
Take a moment to read our General Terms and Conditions and Standard Service Tariff for your chosen current account.
Apply now
Apply online today or call 03451 559 933* to speak to one of our friendly customer service team.
*Opening hours are 9am to 5pm, Monday to Friday, excluding bank and public holidays in England and Wales. Calls are charged at local rate. Calls may be monitored and recorded for training, quality and security purposes.
More ways we can support your organisation
Our payments services help you make and receive payments securely and efficiently, from managing everyday transactions to larger business payments.
- Bacs Payments
- Bulk Faster Payments
- CHAPS Payments
- Accepting Card Payments
- Corporate Purchasing Cards
- International Payments
- Direct Debits and Standing Orders
Putting money aside today can help your organisation achieve more tomorrow.
Our business savings accounts are designed to help you manage surplus funds, build financial resilience and plan with confidence.
From property and refurbishment to social impact projects and working capital, our business lending solutions are here to support our organisation’s ambitions.
If you need business lending to help your organisation deliver real change, we can support you in a variety of ways via business loans, Green Tariff lending and overdrafts.
Eligibility criteria may apply, please refer to our General Terms and Conditions for more information.
Switch to simple business banking today
The Current Account Switch Service makes moving your everyday business banking to Unity easy and reliable. Just choose the date and accounts you want to switch to us, and we’ll do the rest:
- We’ll close your existing account for you.
- We’ll contact your existing bank for a list of your Direct Debit and Standing Order payments.
- All completed in 7 days and backed by the Current Account Switch Guarantee.
We publish quarterly figures showing how quickly we open business current accounts and provide access to our online banking. The latest figures are available on our service information page.
Banking with purpose
When you choose Unity, you’re selecting a bank that’s committed to making a positive difference for our customers, communities, colleagues and the environment. Discover what drives us, the impact we’re making and the independent recognition we’ve achieved along the way.
Our mission, vision and values guide every decision we make, from how we lend and invest, to how we support our customers and communities.
Discover our Impact Hub to see the social, economic and environmental impact we deliver, and explore our Impact Toolkit to understand how you can measure and grow your own.
Our accreditations and awards reflect our commitment to responsible and ethical banking, financial stability and our dedication to building an inclusive workplace where our people can thrive.
Why choose Unity
Since July 2025, Unity has held an investment-grade credit rating from global ratings agency, Fitch Ratings.
We’ve received a range of awards for our pioneering approach to sustainable finance, including The King’s Award for Enterprise in Sustainable Development in May 2024.
In June 2025 we were awarded the ‘Good Egg’ mark from the responsible finance site, Good With Money, in recognition of our ethical business practices.
We have decades of experience supporting organisations that create positive impact, with specialist knowledge across housing, healthcare, community and social enterprise sectors.
Our commitment to excellent service
Receiving customer feedback is important to help us continually improve our customers’ experience. In January 2026, we were awarded the Institute of Customer Service ServiceMark accreditation after demonstrating consistently high levels of customer satisfaction and service quality. This accreditation is based on an independent assessment and real customer feedback.
Here’s what our customers are saying on Trustpilot: