Best Business Accounts for UK Amazon Sellers

Nailing your Amazon SEO and winning the Buy Box is only half the battle if your profits are being eaten away by poor exchange rates and high fees.

To help you stay in control of your bottom line, we’ve put together this guide to the best business accounts for UK sellers in 2026. We compare key features like transaction costs, currency conversion, and how well each account connects with Amazon Seller Central.

We’ve also explained what makes Wise Business an all-in-one business account for both international and domestic use, complete with several features that can help with running your Amazon business in the UK and abroad.

Register for Wise Business ✍️

Key Takeaways

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

Register for Wise Business ✍️

1. Wise Business

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

The Wise account is not a bank account but offers some similar features and your money is safeguarded.

Considering you get the mid-market exchange rate, no hidden fees, and helpful tools like accounting software integration, Wise Business is certainly an option worth considering for those interested in transparent cross-border payments.

Built for Amazon FBA Growth

To receive payouts from global Amazon stores, you’ll need local account details. And Wise delivers.

This is how it helps*:

• Local account details you can directly link to Amazon Seller Central
• No forced currency conversion at payout time

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

Clean Integrations

Extra perks sellers love include:

• Easy integration with Xero and QuickBooks
• Automatic syncing of high-volume FBA transactions

Register for Wise Business ✍️

2. Revolut Business

Pricing That Grows with You (But Needs Watching)

Revolut’s plans are built for scale, but they do require a bit of attention.

Here’s how it usually plays out:

• Basic plan starts at £10/month (2026 pricing)¹⁷
• Many sellers upgrade to Grow at £30/month for higher FX and transfer limits¹⁷
• Interbank exchange rates during market hours
• Weekend FX markups can apply when markets are closed

Unlike Wise’s pay-as-you-go setup, Revolut works on a monthly allowance. This is why keeping an eye on usage matters.

Works for Teams and High-Volume Sellers

If you’re running a Limited Company with staff, Revolut's team and expense management can help. It gives you:

• Multiple physical and virtual corporate cards
• Detailed spending controls per team member
• Built-in expense tracking for cleaner bookkeeping

Just keep in mind that if your FX usage goes over your plan’s limit, extra conversion fees may kick in.

So, is Revolut right for Amazon Sellers?

Setup and verification are usually fast, which is a win. Just know that Revolut’s Standard account doesn’t always match Wise's local account detail provision*. You can receive major currencies like USD and EUR, but once you exceed your monthly limits, fees can get a bit messy.

If you’re into a sleek app, all-in-one perks, and don’t mind juggling subscriptions, Revolut makes sense. But if you’re a UK Amazon seller who wants clean margins and predictable costs, Wise Business keeps things simpler and potentially more pocket-friendly.

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

Register for Wise Business ✍️

3. Starling Bank

If you’re a UK-based ecommerce seller who wants the safety of a traditional bank while enjoying the modern feel of an app, Starling Bank is a choice worth cnsidering.

At Starling, you can open an e-commerce bank account from the UK and keep your transactions intact regardless of what platform you’re on. According to its 2025 Annual Report, the bank now has 4.6 milloin open accounts ⁷.

Since Starling is a fully licensed bank, your deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 ⁸.

Like Wise Business, Starling doesn't have a monthly fee ⁹, but it handles international trade slightly differently.

Instead of paying for one multi-currency account like you do with Wise, you must pay for individual currency accounts for EUR and USD¹⁰:

• EUR Account: £2/month (comes with local IBAN)
• USD Account: £5/month (comes with local Account Number/ACH)

You use the same physical debit card for all of them. You can also toggle which currency it spends from in the app, which is handy for buying stock from overseas suppliers.

Built-in Bookkeeping with The Toolkit

If you aren't ready to pay for Xero or QuickBooks, Starling’s Business Toolkit (£7/month) is useful¹¹. It lets you:

• Create and send invoices directly from your phone.
• Calculate VAT and submit returns to HMRC (Making Tax Digital-ready)
• Categorise spending to see exactly where your Amazon FBA fees are hitting hardest.

All in all, Starling is great if you are a UK-centric seller looking for a reliable, forever account that can handle occasional international growth. It’s also a good option if you occasionally need to deposit cash or cheques (via the Post Office), which most digital competitors can't handle.

4. Monzo Business

Automated Tax Budgeting

One of the biggest pain points for e-commerce sellers is seeing a big Stripe or Shopify payout and forgetting that a chunk of it belongs to HMRC.

• Tax Pots: Available on the Pro and Team plans, you can set the app to automatically move a percentage of every incoming payment into a dedicated Tax Pot.
• Mental Peace: That money never shows up in your available balance, so you’re not tempted to spend it on stock or ads.

Note: This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited, its subsidiaries or affiliates, and it is not intended as a substitute for obtaining business advice from a tax advisor or any other professional.

Easy UK Accounting Sync

Monzo also connects to accounting software. Things to note:

• Pro and Team Monzo plans: These plans include direct sync with Xero, QuickBooks, and FreeAgent.
• Digital Receipts: You can snap a photo of a receipt right after buying stock. Monzo attaches it to the transaction and sends it straight to your accounting software. This basically eliminates the end-of-quarter shoebox panic.

Transparent International Payments via Wise

Monzo is powered by Wise Platform, so that when you pay an overseas supplier, you do it inside the Monzo app but still get Wise’s mid-market exchange rate.

That said, it's worth noting that Monzo accounts are GBP-only. Unlike Revolut, you can’t hold USD or EUR. If you receive a payment in EUR, Monzo converts it to GBP automatically and charges a 1% conversion fee¹⁴.

So, what’s your option when using Monzo?

If your e-commerce business has grown enough to include a virtual assistant or warehouse manager, the Team plan (£25/month) can be useful.

It lets you issue expense cards with individual limits and approval controls. This way, you’ll never have to share your own card details or give full account access.

Register for Wise Business ✍️

5. Tide Business

If you’re a UK ecommerce seller looking for a pay-as-you-go banking option, Tide is a well-known choice. It can feel more like a business management platform than a traditional bank, with features like a free company formation service included when you open an account online.

Tide is also licensed through its partner ClearBank, meaning your funds are protected by the FSCS¹⁹.

Company Formation Shortcut

If you haven't yet registered your business with Companies House, Tide will do it for you for £14.99 and open your bank account simultaneously ¹⁷. For a new Amazon seller, this removes one of the most annoying administrative hurdles in one go.

Inbound EUR Settlements

Tide lets you receive EUR directly into your account via SEPA, which is then converted to GBP. This is useful for sellers on Amazon EU marketplaces. However, contrary to Starling, you cannot currently hold a separate EUR wallet. Everything is converted to your main GBP balance upon arrival.

Expense Management for Teams

Tide’s paid plans are useful if you have VAs or staff helping with stock procurement.

• Smart and Pro: Include 1-2 free Expense Cards for your team.
• Spend Controls: You can set limits on each card, ensuring your team doesn't overspend on ads or inventory without your approval.

Integrated Tax and Accounting

Even though you can sync with Xero or QuickBooks, Tide's Pro and Max plans include their own accounting tools (worth £13.99/mo) for free ¹⁶. This allows you to categorise transactions and prepare VAT returns directly within the banking app.

Note: This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited, its subsidiaries or affiliates, and it is not intended as a substitute for obtaining business advice from a tax advisor or any other professional.

So, is Tide a good fit for your online store?

Tide works best for brand-new startups that want to get registered and set up with banking on a pay-as-you-go model (20p per transfer). This model is fine when volumes are low, but costs can add up quickly as your store grows.

Note that it is very much a local-first approach. It does support international transfers, but the 1.5% FX fee¹⁵ on the free plan could be quite high for some.

Protect your margins while scaling your Amazon FBA business with Wise Business

If you are running a small business or an e-commerce UK operation, you’ve likely noticed that some online marketplaces use currency converters that take a significant cut when paying out USD or EUR sales into a UK GBP account. Wise Business can help you avoid this.

With Wise Business, you can:

• 🌍 Send money to 140+ countries at the mid-market exchange rate with low, transparent fees and no sneaky exchange rate markups (product availability varies by region)
• 📥 Receive payments in 24 currencies and counting
• 💵 Get local account details for 8+ currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
• 💰 Hold money in 40+ currencies
• 🔁 Convert currencies anytime at the mid-market exchange rate with low, transparent fees
• ⚡ Use the batch payments tool to create and send up to 1,000 payments in a single transfer
• 👥 Run payroll and make international payments for up to 1,000 employees all over the world - including paying suppliers using local payment methods like ACH, SEPA, and Faster Payments
• 💳 Get business debit cards with 0.5% cashback for you and your team to keep track of team expenses and spend all over the world, with real-time visibility and categorisation
• 🏢 Manage cash in 55+ currencies across international offices from a single business account and move money between business accounts in seconds (exact speeds can vary depending on individual circumstances and may not be the same for all transactions)
• 🧾 Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
• 🔐 Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
• 📑 Create custom professional invoices and schedule invoice payments for future dates
• 📈 Earn returns on GBP, USD and EUR with Wise Interest (Capital at risk, growth not guaranteed. Your money is at risk if governments default or interest rates go negative. Visit https://payout-surge.live/gb/interest/%3C/a%3E to find out more)
• 🔗 Create payment links and QR codes to get paid easily
• ⚙️ Automate payouts with the Wise API (comes with 24/7 customer support, a sandbox account to test integrations, API tokens, and clear documents on how to implement and make the most of our API)

Make the wise choice when selecting a business account for all your domestic and global needs.

Be Smart, Get Wise.

Register for Wise Business ✍️

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

FAQs

1. Can I use a personal bank account for my UK Amazon FBA business?

Technically, Amazon allows it for sole traders, but it’s a bit like trying to organise a warehouse with a sticky note. It gets messy fast.

Mixing your grocery shopping with your inventory spend makes tax season a nightmare and can even lead to your bank closing the account if they spot business activity on a personal plan.

Most UK sellers set up a business account like Wise from day one to keep things professional and accountant-friendly.

2. What is the Amazon Payment Service Provider (PSP) Program, and why does it matter?

Consider this as Amazon’s VIP list for banks.

To prevent fraud, Amazon only sends payouts to traditional banks or to approved payment providers such as Wise and Revolut. Use anything else, and your payouts could get paused.

3. How do I link my new business account to Amazon Seller Central?

Log in to Seller Central, head to Settings > Account Info > Bank Account Information, and hit Assign.

You’ll just need your sort code and account number. Quick heads-up, though, Amazon usually adds a 3-day security hold when you change bank details, so don’t do this right before a big payout drops.

4. What is the cheapest way to receive Amazon payouts in USD or EUR?

It could be to use Wise Business, as you can get local USD and EUR account details to receive the full amount and convert it to GBP at the mid-market exchange rate with no hidden fees. It’s one of the most effective ways to protect your margins.

5. Do I need an account that integrates with accounting software like Xero, QuickBooks, or FreeAgent?

You don’t need it at first, but once you’re selling more than a few items a week, it could be a game-changer. Connecting your bank to Xero or QuickBooks automatically categorises transactions, saving hours of manual entry and keeping your VAT returns accurate.

**Sources:**

1. Business Account – Revolut
2. Fee for card payments – Revolut
3. Exchanging currencies – Revolut
4. Sending money to an external bank account - Revolut
5. Business growth fees – Revolut
6. Business scale fees – Revolut
7. Starling Bank Annual Report 2025
8. What is the FSCS, and what is the new deposit protection limit?
9. Business Account – Starling
10. Multi-currency Account – Starling
11. Small Business Toolkit – Starling
12. Currency conversions – Starling
13. Business Banking – Monzo
14. Fee Information - Monzo
15. Max Plan – Tide
16. Company Registration – Tide
17. Business Account Plans - Revolut
18. Business Current Account - Tide
19. Safety and Security - Tide

Sources last checked on 11th February 2026