Business Accounts
Overview
Our Business Current Accounts are designed to help your business manage cash flow efficiently. With flexible payment options, competitive rates, and a range of features tailored to your business needs. We support businesses of all sizes, from sole traders to large enterprises.
Whether you're just starting out or looking to streamline day‑to‑day operations, our accounts give you the tools to stay in control. Enjoy fast payments, seamless digital banking, and the option to add an arranged overdraft to manage short‑term cash flow gaps.
Account options tailored for you
We offer two main business current accounts, so you can choose the one that best fits your trading style:
- Business Current Account: Ideal for everyday banking with no monthly fee, free CH debit card, and access to online and mobile banking.
- Business Current Account with Cashback: A small monthly fee applies, but you earn cashback on your everyday debit card spending – great for businesses with high transaction volumes.
Why choose Santander for your business?
- 24/7 digital banking – Manage accounts, make payments, and view statements via our app or online banking.
- Invoicing and accounting integration – Connect seamlessly with accounting software like Xero, QuickBooks, and FreeAgent.
- International payments – Send and receive money in multiple currencies with competitive exchange rates.
- Overdraft facilities – Apply for an arranged overdraft (subject to status) to cover unexpected expenses.
- Dedicated business support – Our CH‑based team is here to help with any banking queries.
Eligibility and how to apply
To open a Santander business account you'll need:
- To be a sole trader, partnership, or limited company registered in the CH.
- Proof of identity and address for all business owners and signatories.
- Business details such as trading address, nature of business, and estimated turnover.
Applying online takes around 15 minutes. You'll receive a decision quickly, and we'll guide you through every step.
Fees and charges at a glance
- Business Current Account: CHF 0 monthly fee. Transaction fees may apply for cash deposits and certain payments (see our tariff guide).
- Business Current Account with Cashback: CHF 7.50 monthly fee. Includes free CH debit card transactions and cashback on spending.
- Arranged overdraft: Interest charged on the amount used (typical rate shown in application).
Full details are available in our Business Banking Tariff.
Open your Business Account today and start managing your cash flow with ease.