3. Account Finder

Ethos / Approach to banking 

We provide simple, flexible, financial services to UK customers both directly and through our partnership with the Post Office. Our products and services include: 

• Full service retail and commercial bank in Northern Ireland
• Successful UK intermediary mortgage business
• Growing car and asset finance business throughout the UK, under the Northridge Finance and Marshall Leasing brands
• Financial services partnership with Post Office 

What is the name of your account(s) and who is eligible? 

• Business Current Account

Eligibility: 

• Sole Trader
• Limited Company or Limited Liability Partnership
• Limited Partnership
• Trust
• Unincorporated Organisation

Which types of Charitable Entities are you able to offer accounts to?

• Limited Company
• Unincorporated Club, Society or Association

What branch-based services do you offer:

• Cash in
• Cash out
• Payments
• Cheque Deposits

Customers are free to use the branch for cash and cheque deposits. We also provide customers with online services which offer additional efficiency and security.

If branch-based services differ on a regional basis, do you have a postcode search function that clients can use?

No. Our branch-based services don't differ on a regional basis. 

Do you offer any services through the Post Office or Banking Hubs? Please specify.

Yes, you can use Post Offices for basic services like making deposits, balance enquiries and withdrawing cash. We are also part of the Banking Hub network. These are shared spaces where customers can avail of Post Office counter banking services for their current account such as obtaining a balance, depositing cash and cheques and withdrawing money throughout the week. These services have maximum deposit and withdrawal limits.

What online services do you offer:

Online and Mobile Banking. We understand businesses are unique and have different online banking needs. That’s why we offer you the choice of two options. Whether you need access on the go, or need more features including control over who does what. We let you decide which best suits your business.

365 online and Phone Banking

• 365 online and phone banking is a simple and easy to use online option for your business.You can access it anytime and anywhere.
• Access and manage your account anytime. Using our mobile or tablet app or online and phone options.
• Set up a single user with online access.
• Perfect for making low value online payments.
• Move money between your accounts.
• Send money within the UK or outside the UK to countries around the world.
• Set up, view, amend and delete standing orders.
• Get your Statements online. You can also see your last 12 months transactions.

Business On Line

• If you need greater control and choice in relation to your banking needs, Business On Line may be right for your business.
• View your account balances and keep track of transactions.
• Send money within the UK or outside the UK to countries around the world.
• Move money between your accounts.
• View and manage your foreign currency accounts.
• Make high value payments, subject to the daily control limit that you set.
• Pay numerous payees in one go, such as bulk salary payments.
• Set up additional users. You can stay in control of their access.
• Send and receive information to and from your accounting systems.
• Set up a second person to approve some or all payments.
• View Commercial Card balances. Keep track of transactions and make payments.

How do you add someone to the mandate? Having the right individuals on the mandate is critical for a charity to bank effectively.

Branch or Relationship Manager. To make a change to your mandate, you will need to contact a Branch or Relationship Manager. 

How do you add someone to online banking?

Via online or dedicated Business Online helpdesk. You can add additional users on Business Online or contact the Business Online helpdesk directly for support: 0345 309 8123

Do your Current accounts offer credit interest or is a separate Deposit account required?

No. A separate deposit account is required for interest bearing accounts.

Debit cards allowed on the account?

Yes.

Minimum opening deposit amount required?

£1

Free banking and any requirements? (turnover)

Yes.

Charitable organisations can avail of discounted fees and charges. Full details can be found in the Schedule of charges for business customers brochure.

Fee Information Document (link to) / Tariff

Link to tariff.

Do you offer international payments? Do you have any advice for charitable entities making overseas payments? 

Yes, we offer international payments. Full details can be found in the Schedule of charges for business customers brochure.

Additional services available

Yes. We have a range of business insights and knowledge on our website to help support your business. These can be found on our Financial wellbeing page.

Dual authorisation for payments

Yes.

Dedicated phone line

Yes.

Information correct as at June 2025