So I've been full time on windows for 10 months now, as a sole trader with no intention to employ. I came from independent retail. A big bug bear for retailers is bank charges - as a result of years of hearing them moan about it, I have automatically avoided telling my bank that I'm running a business through what was previously a personal account. The loan for my van was a personal loan too. But is the tail wagging the dog here? I want to change to GoCardless, I'm completely convinced by all the topic material on this site. But I'm worried about disclosing to my bank that I'm running a business. Am I making a mountain out of a molehill? What bank charges do you guys incur in the running of your business? What bank charges are incurred with GoCardless?