Work smarter, not harder

With the only account providing financial certainty and stability to the self-employed.

Get back to doing what you love.
Without overdrafts. Without money stress.

The biggest challenge of being your own boss is managing income throughout the year. Some weeks you may make more, while others you may make less. It can be hard to know where you stand until bills are due or you find yourself in a bind. This is unnecessarily stressful, can force you to use expensive financial products and can take the flexibility and joy out of being self-employed.

That’s where an income smoothing business account with Trezeo comes in. We remove the financial stress of being your own boss by smoothing out your income so you can get back to doing what you love.

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Bring home a regular pay cheque

No more uncertainty with Trezeo income smoothing. Get paid a steady, weekly pay cheque, even during time off, by letting us average your pay across busy and slow periods so you always know what you'll bring home.

Access money in emergencies

Easily withdraw the money you set aside during busy periods or request an income advance to help tie you over when you find yourself in a bind (we've all been there).

Easily build savings

Automatically save a percentage of your income towards lovely things like a family holiday or a new car, or for necessary things like taxes or the unexpected with Trezeo tax pots. This is 100% your money and can be withdrawn any time.


Aggregate income

Get paid from multiple sources into a single business account. With full visibility.


Save a portion of your income. Access and withdraw anytime.

Average Pay

Get paid a regular, steady average pay cheque during busy and slow periods.​

Income Advances

Access money in emergencies before your account hits £0.

Income Top-ups

When you earn a bit less than average, we'll top you up to your average pay.

Link to your bank

Trezeo can send pay cheques to all major UK bank accounts.

All for a fair fee

A Trezeo business account costs just £5 per week (representative 35% APR). That’s it. No additional interest fees or hefty overspending charges. We don’t believe that access to credit needs to be as expensive as it is for the self-employed so we’ve included it - you just pay a flat £5 subscription fee.

The money you borrow is then repaid from your future income - interest-free - while always maintaining your average take home pay cheque and saving amount.

You're in good hands

FCA authorised

We are authorised and regulated by the Financial Conduct Authority to lend money and make payments. You're in good hands.

Bank-level security

Our advanced 256-bit encryption and security rival even the biggest banks. We never access your banking credentials and all of your sensitive data is encrypted.

Your money is yours

Money is held in a segregated payment account under your name. We will never invest, lend or take any risk with it. It's 100% yours.

World-class support

You work flexibly, so we work flexibly. While we hope you never need it, Trezeo customers can contact us via email, phone, face-to-face or social media.

Get back to doing what you love, without money worries.

Representative example: In financial jargon, the Trezeo fee equates to a representative 35% APR. This assumes a credit limit of £750 on a £500 weekly average pay cheque. You may be offered a different credit limit or representative APR to any shown here, as it depends on your individual circumstances.

Access to top-ups and income advances may not be available to everyone. They are subject to your individual financial status. Failure to repay or otherwise comply with your credit agreement can negatively impact your credit score.