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bank charges

i am a self employed painter and decorator [sole trader]
i have a business account at the HSBC bank and my charges are going up this year for the first time in ages.
do i have to have this account by law or just because the bank says i have to?

Comments

  • tru
    tru Posts: 9,138 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    Hi :)

    You don't need a biz account by law.

    Try posting HERE, there's loads of biz info there :)
    Bulletproof
  • Poppy9
    Poppy9 Posts: 18,833 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Tell your bank you are leaving them as another bank will offer you free business banking for the 1st year. They will probably offer you the same. Bank of Scotland best for free business banking.

    The reason its best to have a business account is if you need to open new accounts with suppliers. They often demand proof of trading via a bank account. That is not to say you have to use the business account for all your transaction. When free banking was thin on the ground did all transactions through a personal account and just made 1 payment over every month to keep business account going.
    :) ~Laugh and the world laughs with you, weep and you weep alone.~:)
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