Business Account Plus: a smarter way to manage your money

Managing your money shouldn’t be a full-time job — especially when you already have one running your business. Whether you’re making your first hire, handling a growing list of expenses, or just tired of switching between tools to get through basic tasks, it might be time for a change.

That’s why we created Business Account Plus. It’s everything you already love about the SumUp Business Account, with extra features that help you run a tighter, more efficient financial setup. From faster payments to team access and better visibility, it’s designed to give you more control, without more complexity.

And now, with a 7-day free trial, you can explore everything Business Account Plus has to offer — with zero commitment.

Why we built Business Account Plus

Over 1 million merchants trust the SumUp Business Account to manage day-to-day finances. But many told us they wanted more — more flexibility, more control, and more ways to adapt their account to the way they work.

Business Account Plus was built with that in mind. It gives you everything you need to streamline your financial tasks, stay organised, and get back to what matters most — running your business. Whether you’re managing payroll, splitting out VAT, or just want to avoid those end-of-month scrambles, Business Account Plus is here to help.

The standard SumUp Business Account is still free. But for just £15/month, Business Account Plus gives you advanced features to save time, reduce stress, and give you a clearer view of your money.

What’s included — and why it matters

We didn’t add features for the sake of it. Every part of Business Account Plus is designed to solve a real, everyday pain point for small business owners.

Multiple balances

Running a business means juggling different financial priorities: bills, salaries, savings, tax, and more. With multiple balances, you can separate those funds into dedicated pots — while keeping them all within your main account. This is especially useful for businesses like salons, cafés or retail shops, where managing cash flow and separating tax or supply costs is part of daily life.

Multiple cards

Need to give team members access without handing over your own card? You can issue extra cards linked to your account. That means staff can make purchases or pay for supplies, while you track spending in real time. It’s safer, simpler, and saves you having to manage everything yourself.

Bulk transfers

Whether you’re paying freelancers, sending out reimbursements or handling payroll, bulk transfers let you pay multiple people in one go — no need to enter each transaction individually. Just upload a file or select recipients, and send. It’s fast, efficient, and error-free.

5 free ATM withdrawals per month

Need cash on hand? Business Account Plus gives you five free UK ATM withdrawals per month — up from three with the free plan. So if you deal with cash occasionally or just like having the option, you're covered.

24/7 priority support

When you need support, it shouldn’t have to wait. With Business Account Plus, you skip the line. Whether it’s a quick question or something more urgent, we’re here to help — whenever you need us.

Invoices Plus

As your business grows, so do your invoicing needs. With Invoices Plus, you get access to customised, multilingual invoices — ideal for freelancers, service providers or any business with a more complex billing process. And better still, you benefit from reduced fees on invoiced payments.

Your business finances, all in one place

With Business Account Plus, you don’t need five different platforms to keep your finances in check. Sales, payouts, expenses, salaries, tax — it all comes together in one easy-to-use dashboard.

No more jumping between apps. No more chasing numbers. Just a clear overview of where your money is going and how your business is performing.

When you can see the full picture at a glance, you can make faster decisions, avoid unnecessary admin, and spend more time doing what you do best.

You can try all these advanced features free for 7 days — and decide if it’s the right fit for your business.

Is Business Account Plus right for you?

You don’t need to be scaling fast or hiring a big team to benefit. Business Account Plus is for merchants who want clarity, control and time back in their day — whether you're running a one-person studio or managing a growing shopfront.

Here’s how it can help in real life:

You’re managing VAT, payroll or regular outgoings

Instead of tracking everything manually, you can split your finances into clear pots and automate bulk payments — making it easier to stay on top of what’s due and when.

You’re working with a team

If your staff need to make purchases or cover small expenses, you can issue extra cards and monitor spending — without losing oversight or handing over sensitive account info.

You want to spend less time on admin

Many merchants told us they spend hours reconciling payments and preparing invoices. With Business Account Plus, you can automate much of that and export reports directly into your accounting tools.

Check out our 7 bookkeeping tips for small business owners

You rely on invoicing

If invoicing is a big part of your business, the upgraded tools help you create professional, brand-aligned templates — including multi-language options. That means fewer errors, smoother payments and better customer experience.

You just want your tools to keep up

Even if your business isn’t expanding, your time and energy are limited. Business Account Plus helps you handle more.

Who it's made for

From café owners managing busy teams to self-employed creatives juggling clients, Business Account Plus fits the way you work. It’s especially useful for:

• Small retail or hospitality businesses managing multiple costs

• Freelancers or consultants sending regular invoices

• Merchants preparing for tax season or setting money aside

• Teams who need controlled, shared access to business funds

• Every merchant spending more time on admin than they’d like

Take control of your business finances

Business Account Plus isn’t just an upgrade. It’s a smarter way to run your day-to-day. From clearer insights to faster payments and fewer admin headaches, it’s built to help you spend more time on what matters.

When your finances are easier to manage, everything else runs smoother — giving you more headspace to plan, grow, or simply enjoy the work you do.

It’s one less thing to worry about. And one more way to move your business forward with confidence.