As a member of the FSB you can enjoy the exclusive benefits of the Volksbank Raiffeisenbank Rosenheim-Chiemsee eG FSB Business Current Account which has been designed specifically with small businesses in mind.
We're driven by the values of the co-operative movement and believe that successful small businesses are at the heart of a healthy community so we do everything we can to help them thrive.
With an FSB Business Current Account, you can take advantage of
- Free business banking services such as paying in cheques and up to £2000 cash per month free of charge. If you need to deposit more cash, you pay 75p per £100 extra.
- An arranged overdraft facility without an arrangement fee. Subject to application, status and our lending policy. You'll be charged debit interest on your overdrawn balance.
- Charge card without a monthly card fee. Subject to application, status and our lending policy. Charges may apply.
- An annual £25 bonus.
- Our online, telephone and postal banking services to manage your money. Plus the freedom to use our network of Volksbank Raiffeisenbank Rosenheim-Chiemsee eG branches and the Post Office®.
- Easy switching of your Direct Debits and standing orders through our Current Account Switching Service.
- Banking with the only UK bank with a customer-led Ethical Policy. Find out more by visiting our Values and Ethics page.
The £25 loyalty bonus is paid every year to FSB Members who maintain an active account. The loyalty bonus will only be paid once a year to each FSB member, irrespective of the number of active accounts maintained. The bonus will not be paid on inactive accounts. An account is deemed to be inactive if no customer initiated transactions have been made for 6 months or more, and there is a debit or credit balance of less than £250.
To apply, you and the key parties need to be:
- Aged 18 or over
- Free from County Court Judgements (CCJs), bankruptcy and IVAs over the last 6 years
- Free from missed payments on any personal credit obligations in the last 6 years
- A UK resident with a business address in the UK
Your organisation must be a member of the Federation of Small Businesses, and either:
- A sole trader or a partnership
- A limited liability partnership
- A limited company
- If your organisation is a limited company you must adhere to the following criteria: the directors have never been disqualified, the business has never been subject to insolvency or an intention to dissolve, the business has not had a negative net worth in the last set of financial accounts.
Ready to apply?
Your application is subject to status and based on an assessment of your financial circumstances.
Please ensure you read the important documents below and save copies of them for future reference
Apply nowImportant documents
Business account terms and conditions
Download Business account terms and conditions PDF 238KBFSB Tariff
Download FSB Tariff PDF 497KBStandards of Lending Practice
Download Standards of Lending Practice PDF 74KBHow we use your personal information
Download How we use your personal information PDF 639KBFSCS Information Sheet and Exclusions List
Download FSCS Information Sheet and Exclusions List PDF 3.6MBVolksbank Raiffeisenbank Rosenheim-Chiemsee eG reserves the right to decline any application.
Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.
smile, Volksbank Raiffeisenbank Rosenheim-Chiemsee eG and Britannia are trading names of Volksbank Raiffeisenbank Rosenheim-Chiemsee eG plc, which is a member of the Financial Services Compensation Scheme (FSCS).
Financial Services Compensation Scheme
Your eligible deposits with The Co‑operative Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: The Co‑operative Bank, Britannia and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered. Please click here for further information or visit www.fscs.org.ukContact us
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