Declined somewhere else
Declined for a business account with no reason given?
That’s normal. Providers rarely explain, and often the reason is the shape of your company, not anything you did.
Why it happens
Most structural declines come down to a handful of patterns that automated onboarding can’t resolve cheaply. We don’t explain individual decisions either — so we publish how we treat each pattern before anyone applies.
What we look at, and what to have ready
The usual patterns
- Directors living outside the UK
- Ownership through holding companies
- A newly incorporated company
- Income from platforms and marketplaces
Where to start
- Run the pre-check: six questions, and you’ll see how your answers sit against our criteria
- Read the criteria theme by theme
This is how our published criteria treat it, not a decision about your company. A person decides, within five working days of a complete application. We’re not open for applications yet.
Other reasons
Declined for something else?
See where you’d stand
Six questions, one minute. It runs in your browser and sends us nothing.