What counts as proof of UK business address for banking?

Thousands of unrelated companies can share the same registered office at a formation agent, so banks treat it as an administrative address rather than proof of trading presence, particularly for risk assessment on higher value accounts.

If your company genuinely has no physical UK premises, some providers accept an accountant's letter confirming they act for the company, hold its records, and can vouch for its UK filings and activity, which carries more weight than the bare registered office entry.

A coworking membership, a short-term serviced office agreement, or a warehouse or fulfilment contract in the company's name all help establish that the business address reflects real activity rather than just a filing convenience.

Where none of this exists yet, being upfront with the provider that the company operates remotely with directors abroad, supported by a clear description of UK customers or suppliers, is usually better received than leaving the question unanswered.

Our fixed monthly packages for a UK limited company start at £89 plus VAT and run to £169 and £289 plus VAT as bookkeeping, VAT, payroll and reporting are added. One-off filings are sold at fixed prices, and the Companies House fees we pay for you are charged at cost with no VAT added. Overseas owners are quoted on exactly the same published prices as UK-resident clients.

Rates, thresholds and deadlines here reflect the 2026/27 UK position and current Companies House and HMRC guidance. Check GOV.UK, or ask us, before relying on them for your own company.