Business Account Options (Even if you have a poor credit history) £0.00

The best value and fastest business bank account approval service on the net – GUARANTEED
Option 2 – Poor Credit Business Account: FREE Introduction

Poor Credit Account Option 2

Business & Marchant Account in one

Business Account for poor credit histories

Business Master Card

Standing Orders


Internet Banking 24/7 365

Accept Card Payments Online & Over the Telephone

No Bank Interview

Set-up 4-5 Days*

Business & Merchant Account Combined

This is an online account offering the following services:

 All company types accepted (limited, charities, sole traders etc)

 All types of poor credit welcome including bankruptcy, IVA’s, CCJ’s etc

Acceptance of accounts applied for using our service in 2013 was over 98%

Internet Banking 24/7 – 365 days of the year

Includes a MasterCard – used in 1000’s places displaying the MasterCard sign

Telephone Customer Service Access

No Set-up Fees monthly fee applies

No Bank Visit Required


Account Approval Process & FAQ's

Bank Account Approval Process

How do I apply?
  1. Follow the link provided by the sales team.
  2. Complete the srequested details
  3. Any additional information can be scanned and emailed in.

Please note all applications are done online

What are the next steps once I have applied?
  1. Wait to hear back from the bank.
  2. They will contact you within 3 – 5 working days with a decision 99.9% acceptance rate
  3. We may request additional information
  4. Usually this communication comes via email.
Then what happens
You will shortly receive a welcome email providing you with details on how you can login to your Account and guidance on what you need to do to get started.

To accept live card payments your website must be in accordance to our compliance requirements.

Business Banking FAQs
Is this a proper bank account and how do I know CashFlows are genuine?
  • Agency bank of HSBC
  • Principal member of VISA EU and MasterCard Europe
  • Authorised by the FCA for the issuing of electronic money and the provision of payment services
What type of payments can I make and what are the transfer times?
Payment Type Payment going to Typical Timeframe*
External Business Account to Your Business Account – same banking institue
Bank to Bank same banking institution same currency
Faster Payment
UK Bank Account in GBP only
15 minutes – 2 hours
UK Bank Account in GBP only
Same day before 3pm
Bank Account that accepts SEPA in EUR only
3 – 5 working days
Bank Account not in the Eurozone or doesn’t accept SEPA
3 – 5 working days
What currencies are supported?
  • GBP – Pounds Sterling
  • USD – US Dollar
  • EUR – Euro
  • CAD – Canadian Dollar
  • AED – United Arab Emirates Dirhams
  • HKD – Hong Kong Dollar
  • JPY – Japanese Yen
  • NZD – New Zealand Dollar
  • NOK – Norwegian Krone
  • SEK – Swedish Krona
  • ZAR – South African Rand
  • SGD – Singapore Dollar
  • AUD – Australian Dollar
What currencies are supported?
Does it cost extra to open multiple currency accounts?
No, you can open multiple currency accounts at no additional cost
Is a Checking Account included?
Unfortunately not
How long does it take for the account to be set up?
Typically 3 – 5 working days. Delays can be caused by requesting additional information. First point of contact is email.
What supporting information do I need to provide?
Varies from business to business.
Typical requirements are:

  • Passport
  • Utility Bill
  • Certificate or incorporation
  • Memorandum of associates
  • 6 months processing history (if applicable)
Will I Qualify for a Business Account
With exception to a few individual personal circumstances all who apply through our services are usually approved, provided you can meet the banks strict code of conduct; nature of business & director due diligence directors, there is no reason why the bank would be decline your business application.
How do I apply?
Follow the link provided by the sales team. All applications are done online, any additional information can be scanned and emailed in.
What are the next steps once I have applied?
Wait to hear back from the bank. They will contact you within 3 – 5 working days with a decision or requesting additional information. Usually this communication comes via email.
What Identification will I Need to Provide
You will be required to present the following ID
Picture ID – 1 item from the following: Proof of Address – 2 Items from the following
Passport – original in date Utility Bill – Gas, Electric Water etc – original items
Drivers Licence – original in date Bank Statement – original item not downloaded from internet banking
EU ID Card – not always accepted, if plan on using this check with the bank first Telephone Bill – not a mobile phone bill or one downloaded from an online account

Merchnat Account FAQs

What methods can I use to take card payments?

  • Virtual Terminal – Used to take payments over the phone Face-to-face – access the
  • Virtual Terminal on the browser of a smartphone, tablet or laptop to take a payment face to face
  • Hosted Payment Page – Used to take payments through a website. Avoids PCI compliance requirements. Customer is redirected to our secure payment page to process the payment
  • API – Fully integrated payment page into a website

How many currencies are supported?

Same as banking

How long does it take to receive the funds?

Varies from business to business and is assessed individually per application. Cannot confirm until the application has been approved. Typically 7-14 days.

What are the charges?

Charges are based on the monthly card turnover and viewable on the website. You can upgrade your tariff at any time should your processing volumes increase. Should you process significantly less that stated in the application form you will be billed for the difference. i.e if you select processing volumes of £50k-£100k and only process £25k we will bill the difference if you were on the £10-£50k tariff.

What are days arrears?

Once you have processed a payment the funds will be cleared to use once the days arrears has elapsed.

What is a rolling reserve?

A rolling reserve is a security against the risk to high levels of chargebacks. It applies to acquiring only. It is a percentage that is taken from each transaction and held for a pre-determined amount of time (usually 6 months) and then automatically remitted back out.

How do I get my funds?

After your days arrears your funds will be transferred to your Account.


If you are confused, don’t know which is right for you simply call our team direct

We have a varied selection of Company Formation Packages any of which you can add a poor credit account to.

We have a large selection of prepared packages to choose from, select below for individual package features or click on the compare packages button to
show at a glance what each package includes.

Other Essential Services

Forbes have teamed up with many High Street and Online Banks, Internet Merchants Services, Telecommunication Services and several other ‘service providers’ to help bring you a complete portfolio of business essentials, if you don’t see what you are looking for on our website simply call our direct line and lets see if we can help.

Internet Merchant Services

We have
solutions for all types of businesses including high risk & adult sites.

084 FREE Business Numbers

Free 0844 No’s, + a large selection of 0161, 020, 0207, 0800 and 03 numbers all from £4.97 pm

Registered Offices

Registered Offices in London, Manchester and Scotland, from as little as £49 per year.

Guarantee Bank Accounts

Business Bank Account approval for poor credit issues placed with high street banks