RUUT

The all-in-one financial partner for UK small businesses

RUUT brings payment acceptance, accounts, cards and company formation into one platform, helping SMEs run smarter and grow faster.

Contact us
RUUT

The all-in-one financial partner for UK small businesses

RUUT brings payment acceptance, accounts, cards and company formation into one platform, helping SMEs run smarter and grow faster.

Contact us
THE RUUT TOOLKIT

Everything you need to run and grow

Company Formation

Launch your business with less friction and more confidence from the start.

Business Account

One simple account to manage your money, payments, and everyday business needs.

Payment Acceptance

Accept payments, monitor sales, and run your business with smarter tools.

Business Card

Make secure business purchases and manage your team's expenses easily with gaining 2% cashback.

THE RUUT TOOLKIT

Everything you need to run and grow

Company Formation

Launch your business with less friction and more confidence from the start.

Learn More

Business Account

One simple account to manage your money, payments, and everyday business needs.

Learn More

Payment Acceptance

Accept payments, monitor sales, and run your business with smarter tools.

Learn More

Business Card

Make secure business purchases and manage your team's expenses easily with gaining 2% cashback.

Learn More
PAYMENTS

Get paid your way

Make getting paid the easiest part of your day with quick payment links and smooth website checkouts. Keep an eye out, our physical card readers are arriving soon to complete your setup.

A small-business owner with payment-link, card-checkout, and POS analytics overlays
  • Shareable payment links, paid in one tap
  • Hosted checkout that drops into any website
  • Take card payments over the phone with MOTO
More about Payment Acceptance
A small-business owner with payment-link, card-checkout, and POS analytics overlays
PAYMENTS

Get paid your way

Make getting paid the easiest part of your day with quick payment links and smooth website checkouts. Keep an eye out, our physical card readers are arriving soon to complete your setup.

  • Shareable payment links, paid in one tap
  • Hosted checkout that drops into any website
  • Take card payments over the phone with MOTO
More about Payment Acceptance
RUUT VISA DEBIT CARD

Make business spending simple

Choose an instant virtual card for your digital expenses, or a physical card for when you are out and about. Earn 2% cashback* on everyday spending with your RUUT debit card, from groceries and restaurants to transport and fuel.

Virtual card
Instant, for digital spending
Physical card
For travel & in-store
Team management
Manage cards & spending across your team
Discover RUUT VISA Debit Card

*Up to £15/month. Offer valid until 31.12.2026. Terms apply.

RUUT VISA DEBIT CARD

Make business spending simple

Choose an instant virtual card for your digital expenses, or a physical card for when you are out and about. Earn 2% cashback* on everyday spending with your RUUT debit card, from groceries and restaurants to transport and fuel.

Virtual card
Instant, for digital spending
Physical card
For travel & in-store
Team management
Manage cards & spending across your team

*Up to £15/month. Offer valid until 31.12.2026. Terms apply.

MONEY TRANSFERS

Send money
with confidence

Whether it's an instant, free transfer to another RUUT user or a rapid payout via the UK Faster Payments network, your money moves exactly when you need it to.

Discover more
MONEY TRANSFERS

Send money
with confidence

Whether it's an instant, free transfer to another RUUT user or a rapid payout via the UK Faster Payments network, your money moves exactly when you need it to.

READY WHEN YOU ARE

Let's get down to
business

We are making your growth our business. Open an account in minutes and get the tools you need to take payments, manage cash flow, and scale up, all in one place.

Talk to our team
READY WHEN YOU ARE

Let's get down to
business

We are making your growth our business. Open an account in minutes and get the tools you need to take payments, manage cash flow, and scale up, all in one place.

Talk to our team
FAQ

Questions, answered

Everything you need to know about opening and running a RUUT Business account.

You can expand your business activities to the UK by opening a business account with RUUT! First, you need to download the RUUT app and register. After registering, you can easily open a business account by clicking the "Open your business account" button on the homepage. If you don't yet have a company in the UK, RUUT is still the solution within the app! RUUT is your partner for establishing a company in the UK. All you need to do is enter the RUUT App and use the "Found your company in the UK" button to set up your company in the UK. Once your company is established, you're ready to open a business account through the app.

Remember, you don't have to live in the UK to be a RUUT Business customer! If you live in Turkey, you can also establish your company through the RUUT app, instantly open a business account, and manage your business from Turkey.

You don't need to live in the UK to open a RUUT Business account. RUUT is built for entrepreneurs who run UK companies from anywhere — whether you're based in the UK, Turkey, or elsewhere. As long as your company is registered (or being registered via RUUT) in the UK, you can open and run your business account from wherever you live.

The identity verification process has three quick in-app steps. First, you take a photo of a valid government-issued ID (passport, national ID, or driving licence). Second, you complete a short liveness check by recording a short selfie video so we can confirm it's really you. Third, you confirm your personal details — full name, date of birth, and residential address. Everything happens inside the RUUT app, with no paperwork or branch visits.

Most personal identity verifications are completed within a few minutes. In some cases additional checks may be required, which can take up to one business day. You'll receive a real-time notification in the RUUT app the moment your verification is approved.

After your personal identity is verified, RUUT pulls your company information directly from Companies House so there's no need to upload registration documents. You'll then be asked to confirm details about your directors and significant shareholders, share the company's registered address, and, if applicable, upload supporting documents such as proof of trading address or licences. Once everything is reviewed, your business account is activated and ready to use.

Do you have more questions?

Find many more answers in our resources, and our team is always here to help with any questions you may have.

Help Centre
FAQ

Questions, answered

Everything you need to know about opening and running a RUUT Business account.

You can expand your business activities to the UK by opening a business account with RUUT! First, you need to download the RUUT app and register. After registering, you can easily open a business account by clicking the "Open your business account" button on the homepage. If you don't yet have a company in the UK, RUUT is still the solution within the app! RUUT is your partner for establishing a company in the UK. All you need to do is enter the RUUT App and use the "Found your company in the UK" button to set up your company in the UK. Once your company is established, you're ready to open a business account through the app.

Remember, you don't have to live in the UK to be a RUUT Business customer! If you live in Turkey, you can also establish your company through the RUUT app, instantly open a business account, and manage your business from Turkey.

You don't need to live in the UK to open a RUUT Business account. RUUT is built for entrepreneurs who run UK companies from anywhere — whether you're based in the UK, Turkey, or elsewhere. As long as your company is registered (or being registered via RUUT) in the UK, you can open and run your business account from wherever you live.

The identity verification process has three quick in-app steps. First, you take a photo of a valid government-issued ID (passport, national ID, or driving licence). Second, you complete a short liveness check by recording a short selfie video so we can confirm it's really you. Third, you confirm your personal details — full name, date of birth, and residential address. Everything happens inside the RUUT app, with no paperwork or branch visits.

Most personal identity verifications are completed within a few minutes. In some cases additional checks may be required, which can take up to one business day. You'll receive a real-time notification in the RUUT app the moment your verification is approved.

After your personal identity is verified, RUUT pulls your company information directly from Companies House so there's no need to upload registration documents. You'll then be asked to confirm details about your directors and significant shareholders, share the company's registered address, and, if applicable, upload supporting documents such as proof of trading address or licences. Once everything is reviewed, your business account is activated and ready to use.

Do you have more questions?

Find many more answers in our resources, and our team is always here to help with any questions you may have.

Help Centre

Your business
Your life
Your RUUT.

Your business
Your life Your RUUT

RUUT

The all-in-one financial partner for UK small businesses.

RUUT is a trading name of Is United Payment Systems Limited, a company registered in England and Wales (Company No. 14364087) with its registered office at Kemp House, 124 City Road, London, United Kingdom, EC1V 2NX. Is United Payment Systems Limited is not authorised or regulated by the Financial Conduct Authority (FCA). The RUUT account is issued by Algbra FS UK Limited, which is authorised and regulated by the FCA under the Electronic Money Regulations 2011 (Firm Reference Number 952360) for the issuing of electronic money. RUUT (Is United Payment Systems Limited) acts as a distributor of Algbra FS UK Limited. Your funds are not covered by the Financial Services Compensation Scheme (FSCS). However, they are held in one or more segregated and safeguarded accounts in accordance with the Electronic Money Regulations 2011. This Visa card is issued by Enfuce UK Ltd pursuant to licence by VISA Europe Limited. Enfuce UK Ltd is authorised and regulated by the Financial Conduct Authority, with the Firm Reference Number 993783.

© 2026 RUUT. All rights reserved.Maxi Digital GmbH is a subsidiary of İş United Payment Systems Limited.