Can You Open a Business Bank Account with a Virtual Office Address?
⚡ Quick Answer: Yes — most UK banks accept a virtual office address for a business bank account. However, you cannot use a virtual address for a personal bank account, which requires a residential address.
Business Bank Accounts
Most banks accept a registered business address — including a virtual office — for opening a business bank account. Your Hoxton Mix address at 66 Paul Street, London EC2A 4NA can be used as your registered office on Companies House, and banks will typically accept this.
⚠️ Important: Acceptance depends on the individual bank. Some banks, payment providers, or fintech platforms have their own policies on virtual offices. Always check with the bank before applying.
What banks typically need
- A registered business address (your Hoxton Mix address qualifies)
- Proof of company registration (Companies House)
- Director/shareholder ID verification
- Proof of residential address for individuals (this must be your home address, not your virtual office)
Personal Bank Accounts
A virtual office address cannot be used for personal banking. Anti-money laundering regulations require banks to verify a physical residential address for individuals. Using a virtual address for a personal account will result in rejection.
Certification Letter
If a bank asks for proof that you are authorised to use the address, you can generate a Headed Letter of Certification from your customer portal:
- Log in at account.hoxtonmix.com
- Go to Settings → Business → Business Documents
- Click Generate Certification Letter
💡 Tip: We do not provide utility bills, lease agreements, or tenancy agreements — these are not available for virtual office addresses.
Common Questions
Will my bank definitely accept a virtual office address?
Most do for business accounts, but it depends on the bank. Check their requirements before applying.
Can I use the address for a Wise, Revolut, or Monzo business account?
Fintech providers vary. Some accept virtual offices, others don't. Check directly with the provider.
What if the bank asks for a utility bill?
We cannot provide utility bills in your company name. You can provide a Certification Letter instead — some banks accept this as an alternative.
Can I use this address as my trading address for the bank?
For most banking purposes, yes. However, some forms ask for your "principal place of business" which must be where you actually work (e.g. your home office), not your virtual office.
Updated on: 27/03/2026