Automated onboarding declines on structure and doesn’t say so. We publish ours first — so you know where you stand before you give us anything.
Version 1.0 · Last reviewed 2 November 2026
What we accept, what we decline, and why each one matters. If your business sits on the accept side of all five, an application is worth making.
Business accounts are for UK-registered companies. Personal accounts are planned for later, with their own criteria.
We need to know who ultimately owns and controls the company. How many steps it takes to get there is fine.
Being new isn’t a risk on its own. Not being able to explain what you do is.
Lumpy income from several places is how a lot of modern businesses get paid.
Most lawful sectors are fine. A few are outside our appetite, and always will be.
When these change, the version number changes and the date moves. Every decision is recorded against the version it was made under. Declined somewhere else? See how we treat the common reasons.
Version 1.0 · 2 November 2026
No model has the final word. Here’s what happens after you submit.
A named reviewer reads your application against the criteria on this page. A flag from a screening check is where they start, not the answer.
From a complete application. If something’s missing, we tell you what we need, and the five days start when it arrives.
Accepted, or declined. Either way from a person, in writing, inside the window.
Short, in writing, from a person. This is roughly what each one looks like.
To finish your review, we need:
Proof of address for one director
Your five working days start when it arrives.
Your application has been accepted.
Next: set up secure sign-in and invite your team. Your pound, euro and dollar balances are ready.
Reviewed by J. Adeyemi
We can’t offer your company an account.
Our published criteria set out what we accept and decline. We don’t give individual reasons.
Reviewed by J. Adeyemi
The pre-application check asks six questions and gives you an honest read. It runs in your browser and sends us nothing.
