商売／仕事 banking: Choosing a 商売／仕事 bank account, what to look for and how to switch

By Simon Lambert
Updated: 13:49 BST, 30 July 2013

Whether you are a start-up or just looking for better service or lower 告発（する），告訴（する）／料金s, choosing the 権利 商売／仕事 bank account is one of the 重要な steps to success.

At their simplest, 商売／仕事 accounts 簡単に 申し込む／申し出 a cheque and 支払う／賃金ing-in 調書をとる／予約する. But many come with extras 含むing 解放する／自由な 商売／仕事 banking, 利益／興味 on in-credit balances, overdrafts, and 料金-解放する／自由な 処理／取引s.

Better banking: Tips on how to switch your 商売／仕事 banking to a better account

選ぶing the 権利 account

A bank account is a 決定的な 道具 in running a 商売／仕事 and choosing the 権利 one can not only mean lower 告発（する），告訴（する）／料金s but also 除去する a 広大な／多数の／重要な 取引，協定 of hassle from your day-to-day 行政 仕事s? and 供給する 必須の support when it comes to growth.

That means that taking the time to carefully decide what you need and 精査する through the different accounts on 申し込む／申し出 is an 絶対の 必須の.

All 商売／仕事s that are not 単独の 仲買人s must have a separate 商売／仕事 bank account.

A good 商売／仕事 bank account will 供給する you with the 選択 of a 指名するd specialist 助言者 who you can 接触する 直接／まっすぐに. However, some 会社／堅いs will not need this so some banks can 申し込む／申し出 different levels of accounts with and without this.

Most banks will also 申し込む／申し出 a 料金-解放する／自由な introductory period, of perhaps 18 months, and it is 価値（がある） 捜し出すing out these 取引，協定s, but make sure that you compare 告発（する），告訴（する）／料金s and 施設s for after the 取引，協定 period ends.

You will need your 商売／仕事 bank account to be 柔軟な, 平易な to run and hopefully have low 告発（する），告訴（する）／料金s, but the best account will be the one where you can build a good 関係 with the bank, which can help you run and grow your 企業.

• Compare the best 商売／仕事 banking 選択s for start-ups with This is Money's 定期的に updated guide

商売／仕事 banking 告発（する），告訴（する）／料金s

For those new to the world of 商売／仕事 banking, the first thing to realise is that, unlike personal 経常収支s, 商売／仕事 bank accounts come with direct 告発（する），告訴（する）／料金s for most 処理／取引s and often 月毎の 料金s.

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This will mean that you are likely to 背負い込む a small 告発（する），告訴（する）／料金 for 支払う／賃金ing in cash and cheques, transferring money or 身を引くing cash, settling 法案s and other everyday 処理／取引s. 支店-based activities will tend to 背負い込む higher 料金s than online activity, which in some instances will be 解放する／自由な.

You may also need to 支払う／賃金 a 月毎の or 年４回の 料金 or standing 告発（する），告訴（する）／料金 and this will often 供給する a 確かな number of 処理／取引s 解放する／自由な.

Depending on how many 処理／取引s you make, ie how often you will 支払う／賃金 in cash, it may be 価値（がある） 支払う／賃金ing a higher standing 告発（する），告訴（する）／料金 to get more 解放する／自由な 処理／取引s.

Some accounts will waive all 告発（する），告訴（する）／料金s during an introductory period, it is still very important to 重さを計る up 告発（する），告訴（する）／料金s as once that 初期の 取引，協定 ends you will need to 支払う／賃金 them.

商売／仕事 banking 施設s

At the most basic level you need to be able to 支払う／賃金 in money, 身を引く it, manage your cashflow and settle your 法案s, but most bank accounts will 許す you to do much more than this.

In the modern day, good internet banking is 必須の and it may be 価値（がある） asking for a demonstration of this in 支店 so you can see how good it is. Anything that helps you 監視する your 商売／仕事’ income and spending is very helpful.

Specialist 助言者s in banks have a wealth of 商売／仕事 knowledge and will be able to 供給する support when it comes to advising you on how to run your account, 基金 growth, or 拡大する into overseas markets. For some this will 証明する invaluable, for others it is not needed, when choosing your account think about how much support you will want.

For many 商売／仕事s an overdraft is 必須の. Ask about what overdraft 施設s are 利用できる and for an 指示，表示する物 of what 率s may be 告発（する），告訴（する）／料金d and what 料金s will be incurred.

If you do 商売／仕事 abroad you also need to consider foreign 通貨 施設s and may also 要求する support out of normal office hours.

Other 追加するd extras on 申し込む／申し出 are also useful: consider whether you need a 商売／仕事 貯金 account, 商売／仕事 credit card, invoice 財政／金融ing

Switching accounts

You should review your 商売／仕事 banking 定期的に ? once a year if possible - and if you feel that you can get a better 取引，協定 or better service どこかよそで then you should switch accounts.

It is 価値（がある） talking to your 存在するing bank before doing this and laying out why you are leaving ? you may find they can 改善する their 告発（する），告訴（する）／料金s or 率s. If they cannot and you want to move, many banks will now 申し込む／申し出 to 保証（人） a seamless 移行, 転換ing across all 正規の／正選手 支払い（額）s for you and matching your overdraft.

• Thinking of changing your account? Read This is Money's switching guide

Speak to the bank

When it comes to choosing your 商売／仕事 bank account the internet is a fantastic 資源 and helps you compare 告発（する），告訴（する）／料金s and 施設s easily, but once you have 狭くするd your choices 負かす／撃墜する it is 価値（がある） speaking to the banks 伴う／関わるd.

A telephone 雑談（する） or 直面する-to-直面する conversation will help you get a better feel for the bank and what it can 申し込む／申し出.

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