Banking

Banks and financial service providers offer a range of services from personal and business bank accounts to trade and consumer finance, insurance and foreign exchange services.

A bank account is essential if you want to send and receive payments or to save money securely. You may need separate personal and business bank accounts if you are running your own small business or operate as a sole trader.

Do you need a mortgage to buy a home or business premises? How mortgages work, how much you can borrow and how to find the right one.

Overdrafts and bank loans are the most common form of external financing available to businesses. Read our guide to reducing the cost and risk.

As a business you need to accept customer payments. There are many ways of accepting payments, but you should aim to accept the payment methods your customers prefer. How can you get paid?

Making payments and handling expenses is a routine part of business. You need a secure payment process to minimise the risk of fraud, error and unnecessary costs and inefficiencies.