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🧑‍💻 Freelancers & Contractors · 🇬🇧 UK Account

UK Business Account for
Freelancers & Contractors

Invoice UK clients in GBP, receive international payments in EUR or USD, and manage your business finances from anywhere — through your limited company.

Ltd, GmbH, OÜ, SAS & more accepted
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No UK address needed
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Open in 24 hours
Currencies: 🇬🇧 GBP 🇪🇺 EUR 🇺🇸 USD 🇨🇭 CHF 🇵🇱 PLN 🇸🇪 SEK 🇳🇴 NOK 🇩🇰 DKK 🇨🇦 CAD 🇸🇬 SGD + 6 more

Built for international freelance businesses

Whether you invoice UK clients, work with EU companies, or serve global customers — one UK business account handles it all.

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Get Paid in GBP

Provide UK clients with a proper UK sort code and account number. Get paid like a local — via FPS Faster Payments with no SWIFT fees.

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Invoice Globally

Receive EUR from EU clients via SEPA. USD from US clients via SWIFT. Hold multiple currencies without forced conversion.

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Corporate Card

Physical and virtual corporate cards with 0% FX markup. Pay software subscriptions, tools, and business expenses in any currency.

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Manage Online

No branch, no meetings. Manage payments, view statements, and make transfers entirely online from your phone or laptop.

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No UK Address Needed

Your company can be registered in Estonia, Germany, Netherlands, or anywhere. No UK director or UK office required.

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Open in 24 Hours

Complete your application online. ID verification is digital. Account ready in under 24 hours from a complete application.

Every payment rail your freelance business needs

Receive from UK clients instantly, invoice EU companies in EUR, accept USD from anywhere in the world.

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UK

Faster Payments (FPS)

Instant GBP from UK clients. Most UK businesses pay via Faster Payments — arrives in seconds, free. Your invoice, their payment, no friction.

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Europe

SEPA

EUR from EU/EEA clients. Standard SEPA (1–2 days) or SEPA Instant (seconds). Great for European freelance work and retainers.

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Global

SWIFT

USD, CAD, or any other currency from clients anywhere in the world. 160+ countries. One account, global reach.

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UK

BACS

For recurring retainer payments from UK clients who pay via Direct Debit. Reliable, predictable, no action required on your end once set up.

From application to invoicing in 24 hours

1

Apply through your company

You need a limited company (Ltd, GmbH, SAS, OÜ, etc.). Applications are in the company's name, not personal. Takes 10–15 minutes online.

2

Digital ID check

Verify your identity and address remotely. No in-person visit, no notary, no branch. A camera and your passport are all you need.

3

Start invoicing

Share your UK sort code and IBAN with clients. Receive GBP, EUR, USD and more directly into your business account. Send your first invoice the same day.

What you need to apply

Prepare these before starting. A complete application is the fastest route to approval.

1

Company registration

Certificate of incorporation from your home country. Estonian OÜ, German GmbH, French SAS, Dutch BV, UK Ltd — all accepted.

2

Your passport

Valid passport or national ID for the director (you). Must be current — not expired.

3

Proof of address

Bank statement or utility bill in your name, within 3 months. Your home address — no UK address required.

4

Business description

What services you provide, to which clients, in which countries. Be specific — vague answers slow the review process.

5

UBO confirmation

If you own 25%+ of the company — almost always yes for sole-director companies. Required under UK AML regulations for all accounts.

⚠ For limited companies only

ARIDANG is a business payment account service. If you operate as a sole trader without a registered company, you will need to form a limited company first. Company formation services are available online in most countries for under £100.

Common questions from freelancers & contractors

Can a freelancer based outside the UK open a UK business account?
Yes — if you operate through a limited company. ARIDANG is a business account service for companies, not a personal account. Freelancers and contractors who have incorporated their business (as an Ltd, GmbH, OÜ, SAS, or equivalent) can open a UK business account regardless of where they live. No UK address or UK residency is required.
Do I need a UK limited company?
No. You can use your existing company from your home country — Estonian OÜ, German GmbH, French SAS, Dutch BV, and many others are accepted. If you don't yet have a company, forming one online typically costs under £100–200 and takes 1–3 days. UK Ltd formation is available for under £50 through Companies House or online agents.
How do I receive GBP payments from UK clients?
Once your ARIDANG account is open, you receive a UK sort code and account number. Add these to your invoice under "Bank Details". UK clients pay via Faster Payments (FPS) — the payment arrives in your account within seconds, free of charge.
Can I use a UK business account with Wise or PayPal?
Your ARIDANG account works alongside Wise or PayPal. You can send GBP from ARIDANG to your Wise account, or receive Wise payouts to ARIDANG via bank transfer. For PayPal: link your sort code and account number to withdraw GBP to ARIDANG (PayPal's standard bank withdrawal process).
What currencies can I hold in a UK freelancer business account?
ARIDANG accounts support 16 currencies: GBP, EUR, USD, CAD, CHF, PLN, HUF, CZK, SEK, NOK, DKK, HRK, RON, BGN, AED, SGD. Each currency is held separately so you can receive payment in the client's currency and convert when you want, not on every transaction.

Open a UK Business Account for Your Freelance Company

🇬🇧 GBP 🇪🇺 EUR 🇺🇸 USD 16 currencies 0% FX card Open in 24h
Start Your Application →

Payment services provided by Gemba Finance Limited (FCA FRN: 804853). ARIDANG acts as an introducer. For limited companies only.