Are there any banks that aren't incompetent cockwombles? I've had a business account with Natwest for a few years. Its in my name and a business name I don't use anymore, and it will accept payments in either my name or that business name. They majorly fucked up and didn't apologise properly though, and their charges are ridiculous, so I want to switch. So I just tried to switch to Yorkshire bank as they do free banking for 2 years for switching, had an appointment today. They won't open an account just in my name - it would have to be "My Name Business Account" and they would only accept cheques with all the words "in case I tried paying in personal cheques (?)". They also won't open an account in the business name I want to start using (which has my actual name as part of it) because I don't have "proof" of trading in that name. I'm a sole trader, so not registered at companies house. They wanted a letter from my solicitor or accountant - I don't have either. They wanted proof that I could be googled under that business name - I do garden maintenance rounds so don't do much internet advertising, and while she found plenty of evidence on google that I work as a self employed gardener, because it was in my name or my previous business name, she wouldn't accept it. I tried to argue how ridiculous because how could I trade with a name until I had a bank that would accept payments in that name, and then she got all "computer says no" on me. Apparently I could be committing fraud or money laundering for all they know (!). On the other hand other banks have said to me that even if I change my business name and my trade, they won't consider me eligible for new business promotions unless I set up a Ltd company, as because I'm a sole trader, its me that's the business. I could very easily just use my personal account for a few big transactions a month and run everything else in cash without it seeing a bank account or the eyes of HMRC, but I'm trying to run things transparently and honestly. Any ideas?