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Self employed, bounce back loans and business bank accounts.

Can someone explain why the banks are insisting on business accounts being held to apply for governments bounce back loan? When it is not a legal requirement for self employed sole trader to actually have a business account.
Seems like another way for banks to rip us off.

Ta

Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 28 May 2020 at 3:00PM
    No rip off. As is far too often the case people don't read the small print when they open accounts. This has been the case for as many years as I can remember. Advisable not to muddle personal and business monetary affairs either. 
  • Percy1983
    Percy1983 Posts: 5,244 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Do any personal accounts allow for business use in the terms and conditions?
    As far as I know sole traders should have a business account due to this, I already had a business account and the loan was easy to sort (filled online form in and got the money the day after).
    Have my first business premises (+4th business) 01/11/2017
    Quit day job to run 3 businesses 08/02/2017
    Started third business 25/06/2016
    Son born 13/09/2015
    Started a second business 03/08/2013
    Officially the owner of my own business since 13/01/2012
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