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Online Banking

Best interest rates

If you want the best interest rates look to an on-line provider. The high street banks are trying to tempt volume customers to use on-line banking services. They are not only trying to establish themselves as Internet capable, but also have the benefit of having less costs for Net users: in the short-term the profit is handed back in the form of higher interest rates.

With a small business it is probably more prudent to look at charges as opposed to interest rates. Whatever your balance is in your bank, small business accounts will always attract charges for one reason or another. It is also wise to remember that great interest rates usually mean high penalty interest on overdrafts etc.

Business bank accounts are not as difficult as personal accounts to open. There are numerous reasons for this but mostly: business accounts are more profitable for the banks. That is not to say that anyone can get a business account, but if you have a business plan and it is viable, with the bank not having to fund you or provide you with anything more than a business cheque book, acceptance should be a formality. Paying in an initial deposit can only help.

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