Why do I need to provide a bank with incorporation documents to open a business bank account?


Say I want to open a business bank account: am I going to need to give all of my incorporation documents to the bank, or will I be okay to go without them?



Some banks will ask to see your company formation documents as evidence that your company legally exists and to confirm the details you provide on your application form. However, you may only have to provide your company registration number and a few other details about your business - this is more common if you are opening a business bank account with an institution you already bank with.

If you have already set up an appointment to open an account, check with the bank to find out exactly what you need to bring. You don’t want to turn up without the correct documentation and then delay your account application. In all likelihood, you will be asked to bring the following documents:

  • Certificate of incorporation
  • Memorandum and articles of association
  • Share certificates
  • Photographic ID for each account signatory - e.g. passport or driving licence
  • Proof of address for each account signatory - e.g utility bill or bank statement

Once you have completed all of the necessary forms and provided the relevant documents, your application will be processed. All being well, you bank account should be open within 7 working days, depending on the bank’s processing times.

a year ago

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