> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.hoxtonmix.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# 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.

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# 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)

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# 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.

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# 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:

1. Log in at [account.hoxtonmix.com](https://www.account.hoxtonmix.com/)
2. Go to **Settings** → **Business** → **Business Documents**
3. Click **Generate Certification Letter**

> 💡 **Tip:** We do not provide utility bills, lease agreements, or tenancy agreements — these are not available for virtual office addresses.

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# 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. Wise and similar providers may accept a Letter of Certification for some checks, but they can also request additional documents and may not accept a virtual office for trading address verification. Check directly with the provider before applying.

**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 correspondence and many business banking records, yes. However, some providers ask for a physical trading address or principal place of business. In those cases, a virtual office may not be accepted and you may need to provide the address where the business actually operates.

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[**Read the full guide →**](https://www.hoxtonmix.com/blog/how-to-use-a-virtual-office-address-for-a-bank-account/)