Confident young Asian male florist owner of small business flower shop Holding potted plant outside his workplace He is looking away with smile Enjoying his job to be with the flowers Small business concept

Business Accounts

Our accounts allow you to focus on your business, as we take care of your savings. Whether your business is just beginning its journey, or has been thriving for decades, your savings are in a safe place with Harpenden.

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Key Features

Business savings accounts allow companies to earn interest on surplus cash, serving as a secure, interest-bearing alternative to low-yield business current accounts.

They facilitate financial management, such as building emergency reserves or paying tax bills, typically offering higher interest rates than transactional accounts. Options range from instant access to fixed-term accounts, with rates often influenced by the Bank of England’s base rate.

Instant or easy access accounts offer, maximum flexibility to withdraw funds quickly, ideal for emergency funds but often with lower interest rates
Notice accounts require a set notice period to withdraw money, offering better rates in exchange for reduced flexibility
Fixed-Term/Bond accounts lock funds away for a set term to secure higher, guaranteed interest rates
Most business savings accounts have no monthly fees, although some specialised or limited-access accounts may do so
Most accounts are available to sole traders, limited companies (PLCs/LLPs), partnerships, charities, and clubs

Available to new customers/ existing customers?

New and Existing Customers Existing Customers Only

Term (Description)

0-1 Years 2-3 Years 3+ Years No Restrictions

Starting Balance (How much you’ll open with):

£0 £100,000+

Monthly Savings (How much you’ll put in a month):

£0 £100,000+

Business Accounts

95 Days' Notice Account (Issue 1)

Interest Rate

3.52%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You have surplus cash, you can put it to work by earning interest on your funds

Account Opening

Online

Learn More

Business Accounts

35 Days' Notice Account (Issue 1)

Interest Rate

3.11%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled

Suitable For

You have surplus cash, you can put it to work by earning interest on your funds

Account Opening

Online

Learn More

Notes: This interest rate information should be read in conjunction with our General Savings Account Terms and Conditions for Business Deposit Savings Accounts.

* The gross rate (PA) is the rate before deducting tax at the rate applicable to savings income. The annual equivalent rate (AER) is a notional rate which illustrates what the gross interest rate would be if the interest was paid and added to the account annually.

Some help & guidance

Savings FAQs

Find clear answers to our most frequently asked questions, designed to help you make your savings journey as simple as possible.

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Jargon Buster

Financial jargon can be confusing sometimes. Our jargon buster breaks down some of the common savings terms and abbreviations.

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Forms & Documents

Here you will find some useful savings forms and further information documents to help you manage your savings accounts.

Find Out More

The manageress & staff of the Leighton Buzzard Branch were extremely helpful in walking me through the forms & actions I needed to enable me to change my Branch based savings & ISA accounts to the online versions.

Ian H

February 2026

This is a short note to express our gratitude for the warm and helpful assistance we received when trying to set up our Savings ISAs at the Harpenden store. We were particularly grateful for the way the staff patiently took us through the paperwork with such good humour.

Charles P

March 2026

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Business Accounts

Key Features