The High Street Review
Home · The course

How business banking works, taught as a building.

A branch is the only place where every part of a business account is visible at once. Money arrives at a counter, gets counted, travels to a vault, leaves in a van, comes back out of a machine, and somebody watches all of it. Software changed where these steps happen. It did not remove one of them.

This course walks the eight nodes in the order a pound moves through them. Each one explains the mechanism first, then names who operates it, then prices it against published tariffs. No lesson recommends a provider.

Who this is for

A business that takes money in Britain and has to decide where it sits. Sole traders, limited companies, anybody who has opened a business account and never been told what happens after the money leaves their hand.

No finance background is assumed. Where a term appears for the first time it is defined in plain words, and the glossary on the home page holds all of them.

What you will need

Your last three months of bank statements, and the price list your provider publishes. Most lessons end with a task that uses your own numbers rather than an example.

Reckon on twenty five minutes a lesson, plus ten for the task.

The eight nodes

How the lessons are built

Mechanism, operator, price, task. Every lesson follows the same four beats, so you can skip to the part you need. The mechanism section never assumes prior knowledge; the price section never uses a figure we have not read at source.

Where a number could not be verified, the lesson says so and leaves the gap visible rather than filling it with an estimate.

What this course is not

It is not advice about your business, and it does not rank providers into a winner. Two businesses with identical turnover can correctly choose opposite accounts, which is why every tool here takes your own figures rather than an average.

For a decision that carries real consequence, speak to somebody qualified who knows your circumstances.