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We’ve put together a list of questions we are often asked by our Business, Charity & Trust account customers. If you can’t find the answer you’re looking for, please contact the team.

Opening & managing an account
  • Who can open a Bath Building Society business account?

    Our Business, Charity & Trust accounts are for businesses and organisations established and operating in the UK, for example:

    • Limited Companies
    • Charities
    • Partnerships
    • Sole Traders
    • Housing Associations
    • Clubs & Societies

    *Please note we do not currently offer accounts to Local Authorities.

    All of our accounts are designed for your short and long term business savings needs. They are not suitable for use as a business current account or the daily transactions of running a business. If you’d like to check if your business or organisation is eligible, please contact the Savings team.

  • How can I open an account?

    There are several ways to open a new Business account with Bath Building Society.  Pop into a Branch, apply via email or post. It isn’t currently possible to open a Business account via Bath Online or the Mobile App.

    Here’s what to do next:

    • Decide which account you would like to open, from the list shown here.
    • Read the key product information in conjunction with our terms and conditions and FSCS information.
    • Complete and sign the application form for the account you wish to open. This form can be downloaded at the bottom of the account information page.
    • If you are opening a joint account, both applicants will need to complete and sign the application form.
    • Take your completed application form into a Branch, or you can email it to or post it to our Head Office.
    • You can open your account with a cheque payable to yourself or you can send your initial deposit via faster payment once the account has been opened. Please contact our Customer Service team  for any further information.
    • We’ll send you a Welcome letter once your account has been opened.
  • Can I apply for a business account online or via the Mobile App?

    Unfortunately you can’t currently open a Business or Professional account online or via the Mobile App. To apply you can download an application form from the product information page for the account you want to open, complete and send via email to or print and post to us. Alternatively you can pop into one of our Branches in Bath (See How can I open an account, above).

  • What checks do you carry out when I open a new business account?

    We will carry out electronic searches through credit agencies in line with UK Money Laundering Regulations, to help us identify you and confirm that the information you’ve provided is correct. We also check the details you provide against Companies House or the Charity Commission register.

  • What proof of ID do I need to open an account?

    All financial institutions are required to gather information to verify your identity, prevent fraud and comply with money laundering regulations. Here are some of the more popular forms of ID we accept:

    • A photo of the front of your bank card or a bank statement showing your nominated bank.
    • Clubs and Societies must include a copy of the minutes confirming their intention to open an account.
    • Charitable organisations must include a letter from their governing body, stating their intention. to open an account, the names of all the signatories required to operate the account.
    • Limited companies must include a copy of their certificate of incorporation.
    • Details of persons with significant control such as Directors and Shareholders, with over 25% Shareholding and Trustees, who are not signatories on the account are also required.

    You can view a full list of documents here.

  • How do I access my account online?

    All Business, Charity and Trust accounts can be viewed via Bath Online or the Mobile App.


  • How long will my payment take to arrive?

    We offer a next day faster payment service. The payment will leave your account on day one and reach the beneficiary no later than close of business the next day.

    In a hurry? For a charge of £3 you can take advantage of a same day faster payment service. The payment will leave your account on day one and reach the beneficiary by close of business the same day.

    For big-ticket items, a Telegraphic transfer (often know as a CHAPS) payment can be arranged if you provide the necessary information on the morning of the transfer. There is a £9 charge for this facility which will be charged and debited from your Bath Building Society account.

  • Can I make an electronic payment to my account?

    Yes of course. Because we are not a clearing bank, you will need three sets of numbers:

    Sort code 62-30-45

    Account number 00000000

    Reference: Your 8 digit account number (you will find your account number at the top of your passbook).

    Account Name: Bath Building Society

    Please note when sending funds please use Bath Building Society as the account name, your bank will then recognise and confirm you are sending funds to Bath Building Society. This is in relation to Confirmation of Payee and should only need to be done once.

  • How do I nominate an account for electronic transfers?

    Please provide us with a copy of a bank statement to nominate an account for electronic transfers. The account must be in the same name as your business account with Bath Building Society.

  • Am I able to make a transaction over the phone?

    Yes, it is possible to make a transaction by calling our Customer Service team.

    Please note that if your account requires more than one signatory to authorise a payment, we will need to contact the appropriate signatories to complete the payment.

  • I’m posting a cheque to the customer service team, do I make it payable to the name on the account or Bath Building Society?

    When paying in a cheque to your account, please make it payable to the name on the account.

  • How much can I withdraw from my account?

    The frequency and amount you can withdraw from your account will vary depending on the account type. Please refer to your account terms and conditions or contact our Customer Service team.

  • How long will it take for a deposit to show up in my account?

    Funds transferred will appear in your account the next working day, cheques currently take six working days to clear.

  • How can I change a signature on a Business or Charity account?

    You can download our change of signatory form or email to ask for a form to be sent to you. You can also change your details by visiting one of our Branches.

  • How can I change my address details?

    You can update your address by downloading a change of customer details form to send to our customer service team at our Head Office address, or pop in to one of our Branches.

  • I’ve lost my passbook, what should I do?

    If you lose your passbook please contact our Customer Service team immediately and we will register it as lost or stolen. They will send you a lost passbook form and you simply return to us with two forms of identification and then a new passbook will be issued.

  • How can I request a statement for my account?

    You can download a statement from your Bath Online account or via the Mobile App.

    Alternatively, you can contact our Customer Service team to get a statement for your account.

  • How is interest paid on my account?

    Interest is calculated daily and either applied on 31st December annually, or on maturity of a Fixed Term Deposit. You can request for interest to be compounded to your Bath Building Society account, or to a nominated account.

  • What happens when there is a change in savings rates?

    We may change our interest rates to respond to changes in the Bank of England base rate or changes in law, to meet relevant regulatory requirement, or to respond to changes to codes of practice or changes in our costs.

    In the case of an increase to interest rates, we will inform you by placing notices on the website and in our Branches.

    When there is a reduction in interest rates we will give you written notification to the change 30 days before it comes into effect.

  • Why has my bank or building society told me my Bath Building Society account details cannot be verified?

    As of May 2020, some banks and building societies in the UK began offering a service called Confirmation of Payee (CoP), it will help protect you when you’re making payments by checking that the account, sort code and name of the account match.

    Bath Building Society account details cannot be verified using CoP as we are not part of the service yet, so when you go to make a payment to us for the first time you will might get  a ‘no match’ or ‘unavailable message’.

    If this is the case we request that you first check that you have correctly entered the sort code and account number. After you have confirmed that you’ve entered the correct details, ask your bank or building society to proceed with the transfer.

  • Are my business savings covered by the FSCS guarantee?

    If you open a new Business Savings account or you have existing account(s) these Business Savings account(s) will be covered by the Financial Services Compensation Scheme (FSCS) providing you meet the eligibility criteria.

  • How do I close my business account?

    There are various ways to close your account. If you have an email authority in place you can email instructions to our Customer Service team to close your account, or you can write to them at our Head Office address.

Trust accounts
SIPP & SSAS accounts Other information
  • What are your current business account interest rates?

    For details of our current Business Account Interest Rates please click here.

  • Do any charges apply to my Business or Professional account?

    There are normally no fees associated with the general operation of a savings account with Bath Building Society. There are charges made for some additional services and these can be found in our tariff of charges. 

  • How To Complain

    At Bath Building Society we always try and provide a first-class service. Occasionally, however, things can go wrong. If they do, our staff are here to try and put them right.

    We have a formal complaints process, details of which are available on request or by downloading this guide.

    Should we be unable to resolve your complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service (FOS). The FOS was set up by Parliament to resolve individual complaints between consumers and financial service businesses, and is free to consumers. More information can be found on the FOS website –

    If you operate your Bath Building Society account online, you are resident in the European Union and wish to use the FOS complaints service, you can either contact FOS direct or you can submit your complaint by visiting

    If you use the latter, you will need to quote the following email address when completing the online complaint form:

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