What we audit
Business banking
Bank charges are small, frequent and therefore invisible. For cash-heavy and importing businesses they are rarely small in aggregate.
What we need from you
- Three months of business bank statements
- Your current tariff sheet, if you have it
What we check
Everything on this list, on every audit.
Not a sample. If a line does not apply to your business, the report says so and why.
- 01Monthly account fee against your transaction profile
- 02Per-item charges for credits, debits, faster payments and cheques
- 03Cash and coin handling charges per £100 banked
- 04FX margin on supplier payments — the spread, not the advertised fee
- 05Overdraft arrangement fees and utilisation
- 06Whether a second account for a specific job would cost less than the charges it removes
Where the money goes
The four ways this line quietly gets more expensive.
None of these involve anyone doing anything wrong. They are how the contracts are built.
Cash handling on a tariff meant for a card-only business
Charges per £100 banked vary widely and are the largest bank cost for takeaways and convenience retail.
FX spread on supplier payments
A 2–3% spread on a £20,000 import run is £400–600 that never appears as a fee on the statement.
Free-banking period ended
Start-up free banking runs 12–24 months and then switches to a standard tariff.
What you receive
This line, on your report.
Total banking cost for the period reviewed, split by charge type, with the tariffs on our panel that fit your actual transaction mix.
Sector notes
How business banking behaves by sector
The same line costs differently depending on what the business does. These are the sectors where it matters most.
- Industrial unitsWarehousing, light manufacturing, workshops and trade counters.
- Convenience & retailCash handling, chilled load, card mix and EPOS licences.
- Gyms & studiosRecurring billing, heating and ventilation, membership software.
- Care homesContinuous load, laundry and catering, resilient connectivity.
- Offices & professionalConnectivity, VoIP seats, banking and FX, cyber cover.
Other lines
The rest of the audit.
The last step is yours
Send us three bills. Keep the report either way.
It takes about five minutes at your end. Nothing is chargeable, nothing auto-renews, and nobody calls you unless you ask.