We all need to deal with finances - from simple bank accounts to multi-currency, from making or seeking investment to finding grants and loans. Here you will find some great value providers THAT WE USE OURSELVES where appropriate for this business! In some cases you will find codes that will get you something extra when you sign up - it all helps. .


Receiving and sending money are vital parts of all businesses. Here are some cost effective providers of banking and payment processing services.


Accounting and tax 
You need suitable software to make life simpler, avoid errors and save time.


Fees, both up front or hidden in the exchange rate, can make moving funds between countries very costly. Here are providers we have used successfully.


Both local and national Government agencies will, from time to time, offer help to businesses either by grants or discounted services.


Where appropriate we will have used, or still use, the products and services on these pages, so you can be sure that they work!
In some cases, if you click through and buy something, we may receive a small commission.
In some other cases we BOTH get a bonus on signup: win/win.


The suppliers we use and what we found:



Our business bank account

A fully regulated UK bank
Open a business account online, straight from your phone
2022 Best Business Banking Provider (British Bank Awards)
Award-winning customer support, 24/7
Move money easily with free, instant UK bank transfers
Get notified the second you pay, or get paid
Give customers simple ways to pay online
Connect accounting tools so everything's in one place
Manage your business account wherever you are, with mobile and web access
Use separate virtual cards for each Pot you create, helping you control where you spend from with Monzo Business Pro
(Some features not available in the basic free account)



Our card processing service



Accept payments any way you want – selling in person, contactless payments at your point of sale system are safe and simple. Simple PoS software for phone or tablet is free of charge.
Accept Tap to Pay on compatible phones too.
You can set up a free online shop that syncs with your stock and your social media – meet customers wherever they buy.
Square Virtual Terminal keeps your business running right from your computer. If you are offering remote services, use Square Invoices to secure new work and get paid remotely.
Create a payment link, even save it as a buy button or QR code. Once created, you can reuse it – perfect for standard offerings.


This section will change and grow as we discover and evaluate fresh ways to stay on top of the numbers

Accounts and Tax

There are a multitude of providers in this category and the best one for you may not be the best for us, so we will give you the information and links to help you make up your own mind!


Automate simple or complex tasks using IFTTT (If That Then This) - a well established service that can connect many of the tools and services you use today - get all your card payments downloaded direct to a spreadsheet, for example.


Wise - launched in 2011 with the aim of making international money transfers cheap, fair, and simple. Today, their multi-currency account helps millions of people and businesses manage money across the world.

Save up to 4x compared to UK high street banks — when you send, spend and withdraw 40+ currencies, all in one account.

Set up local account details for your business in any of 9 currencies. Overseas customers can then use them to pay you from wherever they are – at the same speed as someone just across town.

Make international payments easily with Wise. Choose from 70+ countries and pay  suppliers or overseas staff, with no hidden fees or exchange rate markups.

Give your team business debit cards to use overseas without foreign currency transaction fees. Set spending limits on each card. and get cash back as they spend.

Easily connect to your favourite accounting software and save time. Choose from Xero, QuickBooks, FreeAgent and others.

Pay up to 1,000 as a batch:= Just upload a spreadsheet for each transfer and make one payment.

No hidden fees or monthly subscription
Open a Wise Business account for a one-off fee.

Wise, brought to you by  a team that knew there must be a better way to transfer currencies, has some VERY attractive pricing, if you need to send money overseas or receive money from customers there.

From a single transfer to multi-currency accounts, compare their costs with those offered by your normal bank.


Step 1: Open a full personal UK bank account from your phone, for free. More than 9 million people already have! 
If you haven't already got a Monzo account then see the special offer below ->

Step 2: Open a Monzo business account from within your Monzo app. You may well find that the free "Lite" level does all that you need. 

Free or low cost

Lite is free, Pro just £5/month with lots of bundled extras


Send and receive international payments at great rates


Instant access savings pot built into the account

Special Offer

£5 free credit added to your new personal account or £50 to a new business account if you use the card within 30 days


Use these links and codes for any special deals, from a free month of broadband to free call credit.. You've got nothing to lose, but you will need to allow cookies, otherwise the offer may not be activated! Note that the providers of these services may change or remove the offers at any time.

Monzo Personal:
Sign up for your personal account via this link (and allow cookies) and get £5 credit if you spend on the card within 30 days.

Join via this link and get a fee-free international transfer up to £500 

Fee-free transactions up to £1000 in your first 6 months (if you allow cookies from the site). Go via this link.

Monzo Business:
Sign up for your business account via this link (and allow cookies) and get £50 credit if you spend on the card within 30 days.


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