Author
Mark C
- 01st January 2026
Business Bank Account for Amazon FBA Sellers 2026: Your Complete Guide
Amazon FBA has become one of the most popular ways to build an e-commerce business in the UK, with thousands of entrepreneurs selling through Amazon’s marketplace. While the model offers scalability and access to millions of customers, it also brings the challenge of managing your finances efficiently.
One of the smartest steps you can take as an Amazon seller is opening a business bank account for Amazon FBA sellers. A dedicated account makes it easier to track income and expenses, stay tax-compliant, manage cash flow, and project a professional image to Amazon and your suppliers.
In this guide, we’ll cover everything you need to know about business accounts for Amazon sellers—including the best business bank account for Amazon sellers, key features to consider, and how to open an Amazon FBA business bank account that suits your e-commerce needs.
Best Business Bank Account forAmazon FBA Sellers
Monzo
Monzo Business Current Account- Free Business Current Account
- Free UK Transfers
- Accounting Integrations
- Real-Time Spending Notifications
Tide
Tide Business Current Account- Free Business Current Account
- 3 months free on any paid plan
- Earn up to 4% AER (Variable) on savings
- Apply in minutes
Anna Money
Anna Money Business Current Account- Free Business Current Account
- 24/7 In-App Support
- Tax & VAT Tools
- Multi-User Access
Benefits of a Business Bank Account for Amazon FBA Sellers
Financial Clarity
Keep your Amazon FBA income and personal spending separate with a dedicated business bank account for Amazon FBA sellers. This avoids confusion, ensures accurate records, and makes it easier to manage multiple product lines and sales channels.
Easier Tax Management
A business bank account for Amazon FBA sellers helps you track sales revenue, supplier payments, VAT, and expenses all in one place. This makes self-assessment, Corporation Tax, and VAT returns far less stressful—especially important for e-commerce sellers handling international transactions.
Professional Credibility
Customers, suppliers, and Amazon itself take you more seriously when payments go through a dedicated business bank account for Amazon sellers. Using an account in your trading or company name reinforces that you operate as a professional business.
Access to Finance
Opening a business account for Amazon FBA sellers and e-commerce sellers builds your financial profile, making it easier to qualify for loans, credit cards, or Amazon working capital funding. This can be vital for scaling your Amazon FBA store, buying more stock, or covering cash flow gaps.
E-commerce Friendly Features
Choosing a modern, online business bank account for Amazon FBA sellers can come with tools like expense categorisation, invoice generation, tax pots, and integrations with accounting platforms like Xero or QuickBooks—features that save time and reduce admin.
Best Business Bank Accounts for Amazon FBA Sellers in the UK
Searching for the best business bank account for Amazon FBA sellers? Below, we explore some of the top options on the market today. These accounts provide excellent value, flexibility, and features tailored for Amazon FBA sellers, e-commerce entrepreneurs, and online businesses.
Tide Business Bank Account
Best for: Quick setup and automated finance tools for Amazon sellers
Monthly Fee: £0
Bank Transfers: Free (domestic transfers)
Card Purchases: Free (business debit card)
Overdraft: Available (subject to eligibility)
FSCS Protection: Yes
Offer: Get upto £200 cashback when you open a Tide Business Bank Account (T&C’s apply)
Key Features:
✔️ Automated expense categorisation and invoicing tools
✔️ Multi-user access for e-commerce teams or limited company setups
✔️ Real-time insights directly on your mobile device
Why it works for Amazon FBA sellers: Fast setup, no monthly fees, and automated expense tools make Tide ideal for Amazon FBA business bank accounts. Sellers can manage supplier payments, Amazon disbursements, and stock-related expenses with ease.
Why Choose Tide?
Tide’s simplicity, fee-free structure, and smart app features make it one of the best business bank accounts for Amazon sellers. It’s perfect for FBA entrepreneurs who want cost-effective, digital-first banking to streamline cash flow.
Sign Up for Tide Today and earn upto £200 cashback*, plus, access all the powerful features of Tide Business Banking.
Read our full Tide Business Bank Account review >> here for more details!
Anna Money Business Bank Account
Best for: Built-in tax tools and customer support for Amazon sellers
Monthly Fee: £0
Bank Transfers: 20p (10 free per month)
Card Purchases: £0
Overdraft: Not available
FSCS Protection: No
Offer: Get 1% cashback on card purchases (terms apply)
Key Features:
✔️ Built-in VAT and tax calculation tools
✔️ Instant payment notifications for smooth cash flow
✔️ Mobile-first design with integrated accounting features
Why it works for Amazon FBA sellers: ANNA is designed for e-commerce entrepreneurs who need help with VAT, bookkeeping, and managing their Amazon FBA business bank account. It’s especially useful if you sell in the UK and need to keep on top of tax deadlines.
Why Choose ANNA?
With automatic VAT support, expense categorisation, and smart tax reminders, ANNA Money is more than just a business account—it’s a financial assistant for e-commerce sellers.
Sign Up for Anna Money Today and start enjoying 1% cashback on your card purchases.
Read our full Anna Money review >> here for more details!
Monzo Business Bank Account
Best for: Amazon sellers who want seamless bookkeeping integration
Monthly Fee: £0 (for the Basic Plan)
Bank Transfers: Free (UK transfers)
Card Purchases: Free (business debit card)
Overdraft: Not available
FSCS Protection: Yes
Offer: £50 cashback when opening a business account* (terms apply)
Key Features:
✔️ Multi-currency support for international payments
✔️ Integration with accounting tools like Xero and QuickBooks
✔️ Instant notifications and cash flow insights
Why it works for Amazon FBA sellers: Monzo makes it easy to manage supplier invoices, track Amazon payouts, and organise funds into pots (e.g. VAT, stock reinvestment). It’s ideal for sellers who want real-time bookkeeping for their Amazon FBA business account.
Why Choose Monzo?
With no monthly fees, strong software integrations, and intuitive mobile banking, Monzo is one of the most popular choices for business accounts for Amazon sellers in the UK.
Sign Up for Monzo Business Account Today and enjoy £50 cashback when opening an account (terms and conditions apply).
Read our full review >> here for more details!
Wise Business Bank Account
Best for: Amazon sellers working internationally
Monthly Fee: £0
Bank Transfers: Free (domestic transfers)
Card Purchases: Free (business debit card)
Overdraft: Not available
FSCS Protection: Yes (up to £85,000, as it is a regulated e-money institution)
Key Benefits:
✔️ Multi-currency accounts supporting 50+ currencies
✔️ Transparent, low-cost international transfers
✔️ Real-time tracking of cross-border payments
✔️ Integration with Xero and other accounting software
Why it works for Amazon FBA sellers: Wise is ideal for sellers trading globally. With Amazon often paying in different currencies, Wise saves money on FX fees and lets you hold balances in USD, EUR, GBP, and more. It’s the perfect business bank account for e-commerce sellers operating across marketplaces.
Why Choose Wise?
Wise is one of the best business bank accounts for Amazon FBA sellers who need low-cost, multi-currency banking. Its transparent fees and global payment tools make it a top choice for international e-commerce.
Read our full review >> here for more details!
Why Amazon FBA Sellers Should Get a Business Bank Account
Still running your Amazon FBA income through a personal account? Here’s why switching to a business bank account for Amazon FBA sellers is a much smarter move:
✔️ You’ll improve your Amazon seller business banking credibility with suppliers, Amazon, and customers.
✔️ You’ll stay compliant and organised when filing taxes, including VAT and Corporation Tax.
✔️ It makes dealing with HMRC, Amazon payouts, and supplier invoices far simpler.
✔️ You’ll unlock useful tools like expense tracking, tax pots, multi-currency support, and accounting software integrations.
A dedicated Amazon FBA business bank account gives you a professional foundation for managing your e-commerce cash flow, building financial stability, and scaling your Amazon business with confidence.
How to Choose the Best Business Bank Account for Amazon FBA Sellers
When comparing the best business bank account for Amazon sellers, here are the key factors to consider:
Fees & Charges:
Look for providers offering free or low-cost business bank accounts for e-commerce sellers. Some accounts also include perks like cashback or free transfers, but always check ongoing costs.
Features:
Choose an Amazon FBA business bank account that supports the way you sell online, such as:
Automated expense categorisation for stock, fees, and shipping
Tax calculation tools and the ability to set aside VAT
Multi-currency accounts (ideal for international Amazon marketplaces)
Integration with e-commerce-friendly software like Xero, FreeAgent, or QuickBooks
Support & Accessibility:
As an Amazon FBA seller, you need banking that works around the clock. Look for providers with excellent mobile apps, responsive customer service, and strong reviews from other online sellers.
How Do Business Bank Accounts Work for Amazon FBA Sellers?
A business bank account for Amazon FBA sellers is more than just a place to receive Amazon payouts—it’s a dedicated financial tool designed to help you manage income, supplier payments, fees, and taxes more effectively. Unlike a personal account, a professional Amazon FBA business bank account keeps your e-commerce finances separate, making it easier to stay compliant and organised.
What Amazon Sellers Use Business Accounts For
✔️ Receiving Amazon payouts – Accept regular disbursements from Amazon directly into your business account under your company or trading name.
✔️ Paying for e-commerce expenses – Cover supplier invoices, stock purchases, packaging, shipping, and software subscriptions directly from your business account for Amazon sellers.
✔️ Tracking income and expenses – Categorise Amazon fees, advertising costs, and inventory spending to forecast cash flow and set aside VAT or Corporation Tax efficiently.
Key Features of Business Accounts for Amazon FBA Sellers
Transaction Management:
The best business bank accounts for Amazon sellers provide clear reporting and automated expense categorisation, helping you separate Amazon sales revenue from business costs. This makes budgeting, forecasting, and tax prep simple.
Integrated Payment & Accounting Tools:
Modern Amazon FBA business bank accounts integrate with accounting software like Xero, QuickBooks, or FreeAgent. Many also allow you to create invoices, accept card payments from other sales channels, and set up direct debits for suppliers.
Credit & Growth Opportunities:
Running your store through a dedicated business account for e-commerce sellers builds your financial profile, which can improve access to overdrafts, credit cards, Amazon working capital loans, or other funding for scaling your FBA business.
E-commerce Friendly Banking:
Most online business accounts come with mobile apps, virtual and physical debit cards, instant payment notifications, and multi-currency tools—perfect for sellers trading internationally.
What’s the Difference Between Personal and Business Bank Accounts for Amazon Sellers?
A business bank account for Amazon FBA sellers isn’t just a separate pot of money—it’s a financial management tool. Unlike a personal account, it’s designed specifically for e-commerce sellers to handle Amazon payouts, supplier invoices, and taxes more efficiently, while also improving professionalism, credibility, and financial stability.
| Feature | Personal Account | Business Account for Amazon FBA Sellers |
|---|---|---|
| Designed for business use |  |  |
| Expense tracking | | |
| Tax & VAT support | | |
| Invoicing features | | |
| Professional payment name | | |
| Client trust factor |  | |
Do I Need a Business Bank Account as an Amazon FBA Seller?
Legally, you don’t need a separate account if you’re a sole trader Amazon seller. However, if you’ve registered a limited company (a common setup for Amazon FBA sellers), then a business bank account for Amazon FBA sellers is a legal requirement.
Even if you’re selling as a sole trader, opening one is still highly recommended.
Here’s why a business account for Amazon sellers makes sense:
✔️ Keeps Amazon FBA income and personal spending completely separate
✔️ Improves financial organisation and reduces admin headaches
✔️ Boosts professionalism and credibility with Amazon, suppliers, and customers
✔️ Makes HMRC audits, VAT returns, and self-assessment far easier to manage
So while you don’t have to use a business bank account for Amazon FBA sellers as a sole trader, you absolutely should if you want to stay organised, look professional, and scale your e-commerce business.
Pros and Cons of a Business Bank Account for Amazon FBA Sellers
Opening an Amazon FBA business bank account comes with plenty of benefits, but there are also some considerations. Here’s a breakdown:
Pros of a Business Bank Account for Amazon Sellers:
✔️ Clear separation of personal and business finances
✔️ Easier tax reporting, VAT management, and expense tracking
✔️ Access to e-commerce friendly tools like tax pots, budgeting, and accounting integrations
✔️ More professional and credible when working with Amazon and suppliers
✔️ Builds a business credit profile for future loans, vehicle finance, or Amazon working capital
Cons of a Business Bank Account for Amazon Sellers:
❌ Some providers charge monthly fees after free trial or promotional periods
❌ Extra admin and ID verification may be required when applying
❌ Not all accounts offer unlimited free transfers, ATM withdrawals, or multi-currency support
Steps to Open a Business Bank Account for Amazon FBA Sellers
Getting started with a business bank account for Amazon FBA sellers in the UK is simple. Here’s what you’ll need to do:
Step 1: Choose Your Provider
Compare the best business bank account for Amazon FBA sellers—look for options with low or no monthly fees, cashback offers, multi-currency support, and integrations with accounting software.
Step 2: Gather Documents
When applying for an Amazon FBA business bank account, you’ll usually need:
A valid photo ID (passport or driving licence)
Proof of UK address (utility bill or bank statement)
National Insurance Number or UTR (Unique Taxpayer Reference)
Company registration details (if you’ve formed a limited company)
Your Amazon Seller ID or a short description of your e-commerce activity
Step 3: Apply Online
Most modern providers allow you to apply via a mobile app or website in under 10 minutes—ideal for busy Amazon FBA sellers managing stock, suppliers, and sales.
Step 4: Start Using Your Account
Receive Amazon payouts, pay suppliers, cover expenses like inventory and shipping, and set aside tax money. A business account for e-commerce sellers will also help you stay VAT-compliant and track your cash flow more efficiently.
Comparison of the Best Business Bank Accounts for Amazon FBA Sellers
Not all accounts are created equal. Some prioritise low fees, while others focus on advanced features such as multi-currency support, tax calculation, and accounting integrations. In the next section, we’ll compare the leading options for Amazon sellers—including Tide, ANNA Money, Monzo, and Wise—so you can choose the account that best fits your FBA business.
 |
 |
 |
 | |
|---|---|---|---|---|
| Opening Fee | £0 | £0 | £0 | £0 |
| Monthly Cost | £0 (Free account) £12.50–£69.99 (Paid plans) | £0 (Free account) £14.90 (Paid plans) | £0 (Free account) £5 (Pro plan) £15 (Premium plan) | £0 (Free account) |
| Card Transaction Costs | Free | Free up to turnover limit | Free UK card transactions | Free UK card transactions |
| Transfers to/from other bank accounts | Free UK transfers Fees for international | Free up to turnover limit | Free UK transfers Fees for international | Free transfers (for major currencies) |
| ATM Withdrawals | £1 | Free (up to £500/month) Fees after | Free up to £250/month Fees above that | Free |
| Tap to Pay | ✔️ | ✔️ | ✔️ | ✔️ |
| Payment links | ✔️ | ✔️ | ✔️ | ✔️ |
| Accounting Integrations | ✔️ | ✔️ | ✔️ | ✔️ |
| Sign-Up Offer | Up to £200 cashback* (T&C's apply) | 1% cashback* (T&C's apply) | £50 cashback* (T&C's apply) | N/A |
| Apply Now | Apply Now | Apply Now | Apply Now |
FAQs: Best Business Bank Account for Amazon FBA sellers
Do Amazon sellers need a business bank account?
If you’re a limited company Amazon seller, yes — a business account is legally required. For sole traders, it’s not mandatory, but highly recommended. A business bank account for Amazon sellers keeps your income separate, simplifies VAT and tax returns, and gives you a more professional image with Amazon and suppliers.
What is the best business bank account for Amazon FBA sellers?
The best business bank account for Amazon FBA sellers depends on your needs. Tide is popular for its fast setup and automation, Monzo for its accounting integrations, ANNA for tax tools, and Wise for multi-currency support. Each of these providers offers features that help e-commerce sellers track sales, pay suppliers, and manage tax more easily.
How does an Amazon FBA business bank account work?
An Amazon FBA business bank account works just like a standard business account, but it’s used specifically for your Amazon transactions. You’ll receive Amazon payouts directly into the account, pay suppliers and shipping costs, and track expenses like inventory, ads, and packaging. Having one keeps your FBA finances separate and makes HMRC reporting much simpler.
Why should Amazon sellers open a business account for e-commerce sellers?
A dedicated business account for e-commerce sellers provides tools that personal accounts don’t, such as automated expense categorisation, VAT support, tax pots, and accounting integrations. These features are especially useful for Amazon FBA sellers managing high transaction volumes, international payments, and supplier invoices.
What’s the difference between a personal account and a business bank account for Amazon sellers?
A personal account mixes your Amazon sales with everyday spending, making it hard to track profit, expenses, and tax. A business bank account for Amazon sellers keeps everything separate, provides professional credibility, and may unlock access to business credit, loans, or Amazon working capital.
Do business accounts make tax easier for Amazon FBA sellers?
Yes, some providers offer free business bank accounts for Amazon FBA sellers, especially digital banks like Monzo or Tide. Others may charge small monthly fees but include advanced features such as invoicing, cashback, or multi-currency accounts. Always compare costs against the tools you’ll actually use.
Can I use a multi-currency business bank account for Amazon FBA sellers?
Yes. Many FBA sellers benefit from a multi-currency business account like Wise, which lets you receive payouts in GBP, USD, or EUR without high FX fees. This is especially useful if you sell on Amazon marketplaces outside the UK or pay international suppliers.
How do I choose the best business bank account for Amazon sellers?
When comparing the best business bank account for Amazon sellers, look at fees, international payment options, and integrations with accounting software.
What documents do I need to open a business bank account for Amazon FBA sellers?
To open a business bank account for Amazon FBA sellers, you’ll usually need a photo ID, proof of UK address, your National Insurance number or UTR, and in some cases your company registration number if you’re a limited company.
Do Amazon sellers need a business bank account to sell on Amazon FBA?
Yes, Amazon sellers need a business bank account to properly manage payouts, expenses, and taxes. While it’s not always a legal requirement for sole traders, having a dedicated business bank account for Amazon FBA sellers is strongly recommended to keep finances organised and compliant.
What is the best business bank account for Amazon sellers in the UK?
The best business bank account for Amazon sellers offers low fees, fast online setup, Amazon marketplace compatibility, and support for high transaction volumes. Many Amazon FBA sellers also benefit from integrations with accounting software and e-commerce tools.
How does an Amazon FBA business bank account work?
An Amazon FBA business bank account receives your Amazon disbursements directly, allowing you to manage inventory costs, Amazon fees, VAT, and operating expenses from one central account. This makes bookkeeping and cash flow tracking much easier for Amazon sellers.
Why should Amazon sellers open a business account for e-commerce sellers?
A business account for e-commerce sellers helps Amazon sellers separate personal and business finances, track platform fees accurately, and prepare for self-assessment or VAT returns. It also improves professionalism when working with suppliers and service providers.
Is a business bank account for Amazon FBA sellers required for VAT registration?
Yes, if you are VAT-registered, using a business bank account for Amazon FBA sellers is highly recommended. It helps manage VAT collections, Amazon VAT calculations, and ensures cleaner records for HMRC reporting.
Can Amazon sellers use a multi-currency business bank account?
Yes, many Amazon sellers choose a business bank account for Amazon FBA sellers that supports multi-currency balances. This is ideal for sellers operating across multiple Amazon marketplaces and helps reduce foreign exchange fees.
Conclusion: Choosing the Best Business Bank Account for Amazon FBA Sellers
Finding the best business bank account for Amazon FBA sellers is a crucial step in building a professional, well-organised e-commerce business.
Whether you’re operating as a sole trader or through a limited company, a dedicated Amazon FBA business bank account helps you separate finances, stay tax-compliant, and project a more credible image to Amazon, suppliers, and customers.
Take Your Amazon Business to the Next Level
Ready to streamline your finances and scale more efficiently? Opening the best business bank account for Amazon sellers is a simple but powerful move. From fee-free options to advanced features like automated expense tracking, tax pots, and multi-currency support, the right account makes managing your Amazon payouts and supplier costs easier than ever.
At StartupDeals.co.uk, we’ve reviewed the leading online business accounts for e-commerce sellers—from modern fintech providers to trusted banks. Each one offers unique benefits such as real-time expense categorisation, seamless integrations with accounting software, and smart budgeting tools designed for online sellers.
A dedicated business bank account for Amazon FBA sellers can help you get:
Clearer financial control over your sales and expenses Faster, simpler payouts and cash flow management Professional credibility with Amazon and global suppliers A solid financial foundation to scale your FBA business
Get Started Today
Don’t let finances hold back your growth. Open one of the best free business bank accounts for Amazon FBA sellers today—no monthly fees, no hassle, just the tools you need to manage income, stock costs, and taxes like a pro.
The right business bank account for Amazon FBA sellers can save you time, reduce stress, and give you the confidence to focus on what matters most: scaling your Amazon FBA store and growing your e-commerce success.
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