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Business Instant

Save without limiting your cashflow and with the reassurance that funds are available when you need them. Find out more below.

Interest rate (AER)
£1 - £250,000
Min/Max amount
£1 - £1,500,000
Yes - up to a maximum of 2 per calendar month

Suitable for savers who:

  • are sole traders, partnerships or incorporated organisations
  • want instant access to their funds
  • do not want to make regular transactions
  • want to manage the account online, by phone or in our Branches

Not for savers who:

  • want to make more than two withdrawals a month
  • want a higher rate of interest and can lock their money away for longer
  • want a fixed interest rate
  • are saving on behalf of a Local Authority

Is this the right product for you?

Please read the Key Product Information below before applying

  • What is the interest rate?
    • £1-£250,000 2.49% AER*.
    • £250,000.01+ 0.00% AER*.
    • We calculate the interest daily and pay it annually on 31st December.
    • Interest can be added to your account or paid to your nominated account.
    • You do not earn any interest on money in the account over £250,000. You cannot have more than £1,500,000 in your account.
    • *AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. The gross rate is the interest rate payable before tax.
  • Can Bath Building Society change the interest rate?
    • The interest rate is variable, so it can go up or down at any time.
    • For more details about why we might change the rate, you should read your Welcome to your Bath Building Society Account brochure.
  • What would the estimated balance be after 12 months based on a £1,000 deposit?


    • This would be the balance after 12 months if £1,000 was paid in, all interest was paid back into the account, there was no change to the interest rate and no money was taken out or paid in.
    • This is just an example to help you compare accounts. It does not take into account what you may do with the money in your account.
  • How do I open and manage my account?
    • You must live in the UK to open this account. You can open it with as little as £1.
    • You need to complete a Business Savings Account application form to open the account. These can be found on this product page, in one of our Bath Branches, or by contacting our Savings team. You will need to give us details and identification documents for all signatories and people with significant control. 
    • For incorporated businesses, you must give us a copy of the Certificate of Incorporation.
    • For partnerships where there are more partners than named signatories on the account, we will need a letter telling us how many signatories are needed to operate the account. The letter must be signed by a partner who is not one of the named signatories.
    • You can deposit a maximum of 5 times a month. You cannot deposit more than £5,000 in cash or 5 cheques in each transaction.
    • You can manage the accounts you hold with us through Bath Online, or by using our Mobile App. You can register for Bath Online on our website, and you can register for the Mobile App on your smartphone.
    • You can ask for a passbook to be sent to you. You will need this if you want to withdraw or deposit money in our Branches.
    • Account holder identification will be required. This is usually obtained through our electronic identity verification service. However, if this proves inconclusive, here’s some popular ways to verify your ID.
  • Can I withdraw money?
    • This is an instant access account. You can withdraw a maximum of twice each month.
    • You can take out money whenever you wish in a Branch, up to a maximum of £500 without telling us first. If you tell us first, you can withdraw up to £2,000 the next day.
    • You can withdraw by cheque from our Branches. There is no limit to how much you can withdraw.
    • You can also ask us to make a faster payment to your nominated account. This can be done on Bath Online, through the Mobile App, or in a Branch. You can also send us a signed letter in the post, or an email from your nominated email address.


  • Additional information
    • This account is protected by the Financial Services Compensation Scheme (FSCS). You should read your FSCS Information and Exclusions sheet for more information about how your money is protected.
    • This account is a savings account, not a payment account as outlined in the Payment Services Regulation 2017.
    • You should read your Welcome to your Bath Building Society Account brochure to fully understand how your account works.
    • We can close an account at any time if you act inappropriately, such as by using abusive language.

Important information before you apply

Before you apply please read our terms and conditions document and FSCS information sheet alongside the key product information above to understand how this account works.

Download an application form


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