Exclusive Reader Perks

Two offers every UK business owner should claim.

We've partnered with two of the UK's most trusted business finance providers to bring you these exclusive sign-up bonuses — combined worth £275, available to Business Pathfinder readers.

Affiliate disclosure: The links on this page are referral/affiliate links. If you sign up through our links, we may earn a commission at no extra cost to you. We only recommend products we believe are genuinely useful for UK business owners.

Business Bank Account

Tide Business Bank Account

The UK's most popular digital business bank account — free, opens in 5 minutes.

4.3/5 from 20,000+ reviews

What you get

Free business current account — no monthly fee
£200 free cash (spend £100 in 30 days + deposit £5k)
No credit check required to open
Open your account in under 5 minutes
Free bank transfers for your first year
Integrates with Xero, QuickBooks & FreeAgent

How to claim your £200

1Click the button to open the Tide signup page
2Enter code REFER200 at signup
3Spend £100 on your Tide card within 30 days
4Deposit £5k in a Tide Instant Saver within 7 days
5Receive £200 free cash in your account

Read our full Tide review

Business Credit Card

Capital on Tap Business Credit Card

The UK's highest-rated business credit card — 1% cashback, up to £250k credit, no annual fee.

4.7/5 from 10,000+ reviews

What you get

7,500 bonus reward points (worth £75) on first transaction within 30 days
1% uncapped cashback on every pound you spend
Credit limits from £1,000 to £250,000
No joining fee or annual fee
Free additional employee cards
Syncs with Xero, QuickBooks & Sage

How to claim your 7,500 points

1Click the button to open the Capital on Tap application
2Enter code SETTINGUP in the promo field
3Complete your application (takes ~5 mins)
4Complete your first card transaction within 30 days
5Receive 7,500 bonus points (worth £75)

Read our full Capital on Tap review

Our editorial policy

Why we recommend these two products.

We're transparent about our affiliate relationships. Here's exactly why we recommend Tide and Capital on Tap.

Business Bank Account

Why we recommend Tide

Tide consistently ranks as one of the UK's top-rated business bank accounts on Trustpilot (4.3/5 from 20,000+ reviews). It's particularly well-suited to limited companies and sole traders who want a free, easy-to-use account that integrates with popular accounting software.

The £200 welcome bonus is one of the most generous available in the UK market and is genuinely achievable — most businesses will spend £100 on their card within 30 days naturally.

Editorially independent

Read full Tide review

Business Credit Card

Why we recommend Capital on Tap

Capital on Tap is rated 4.7/5 on Trustpilot from 10,000+ reviews — one of the highest-rated financial products in the UK. The 1% uncapped cashback is genuinely valuable for businesses with regular card spending, and the credit limits (up to £250,000) are far higher than most competitors.

The absence of an annual fee makes it a no-brainer for any business owner who wants to build credit and earn rewards on everyday spending.

Editorially independent

Read full Capital on Tap review

Why a business bank account?

Legally required for limited companies

If you've registered with Companies House, you can't use a personal account — HMRC needs a clean line between personal and business finances.

Tax time becomes painless

Every transaction is already categorised as business spend. No untangling 12 months of personal statements at midnight in January.

You look professional

Invoices paid to 'Yourname Ltd' at a business account hit different than transfers to a personal IBAN.

Better tools

Built-in invoicing, expense categorisation, Xero/FreeAgent integrations. None of that exists on a personal account.

Why a business credit card?

Cashflow buffer

Most new businesses get paid 14–30 days after invoicing, but suppliers want money now. A card bridges the gap.

Cashback on spend you'd do anyway

Software, ads, supplies — running them all through a 1% cashback card adds up to hundreds a year.

Build business credit history

Future lending — loans, asset finance, larger limits — gets easier once you have 12+ months of card history.

Cleaner accounting

One card statement = one import into Xero. No screenshotting receipts from your personal card.

The 1-afternoon setup

Block out a Wednesday afternoon. Do all four in this order.

Apply for Tide — ID + selfie on the app. Account active in minutes.
Apply for Capital on Tap — 2-minute decision, card arrives in days.
Sign up for Xero (or your accounting tool) and link both accounts.
Move your business spending off your personal card. Done.

Not sure where to start?

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