Business Banking

Founders obsess over hiring, markets, and product — but rarely over scaling their banking. Yet as businesses grow, banking can quietly shift from enabler to bottleneck. Ivan Maryasin explores the “underserved middle” of the market and what banking should deliver as complexity mounts.

Most businesses are sitting on cash that’s earning far less than it could. This guide explains the difference between easy access, notice, and fixed-term accounts – and how to structure your cash across each so it’s working harder without creating operational risk.

Thinking about switching your business bank account? This guide covers everything from payment fees and multi-entity support to onboarding complexity and FSCS protection – so you know exactly what to look for before you make the move.

Running a scaling business means your banking should keep up, not hold you back. In 2025, we focused on the things mid-market businesses told us mattered most: managing complexity without friction, paying at scale without manual workarounds, and keeping tighter control as teams and spend grow.

Here is what we shipped.

From our conversations with SMEs and mid-sized businesses across the UK, one thing is clear: traditional business banking still creates too much friction. Too many silos? Too many processes. Too much time spent managing money rather than using it to grow the business.

Surplus cash shouldn’t sit idle. Learn how OakNorth’s business notice accounts help UK SMEs earn more on reserves – with variable, tiered returns and full control over access. Built to align with your real-world cashflow, not get in the way of growth.