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Card Machine and Business Account

Question asked by alona


Can I connect card machine for a cafe without business account?

I mean,to connect card machine to my private account?

Thank you!

response from Dalila Boinay

Can I use my personal bank account for business?

Depending on your business legal structure, the answer can be yes or no.

1 - If you are a limited company, the answer is no. You need a business bank account as your business is a separate legal entity and needs its own business account. If you haven't opened one yet, you don't need to worry. Your accountant can sort it out for you.

2 - If you are a sole trader, you have more options. Using a personal bank account for business is a common choice amongts freelancers when sarting a business. 


It's easy, gives you available credit by using your personal overdraftand provides more flexibility when expenses are highen than income.


- You break the T&Cs of your bank account

- You can't have a "trading as" so only payments with your name can be cleared

- It takes time  seperating out business and personal transactions

- You can't claim back bank charges and interest

- You give excuse to the HMRC to look into your private affairs if you get randomly picked for a check.

I hope this will help you make your own informed decision.

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