/ 01
Will the bank accept this company?
Top 7 reasons UK challenger banks reject formations on the first pass.
/ Snap suite · Company formations · Free
FormSnap — UK Ltd readiness — formation to bank account.
FormSnap is the free UK decision-support app for company formations. Check whether your UK Ltd incorporation is bank-account-ready: PSC clarity, ID&V completeness, SIC-code fit, registered-office choice, PEP/sanctions clearance — before you file with Companies House and discover the bank refuses to open an account.
FREE
Formation readiness + ID&V completeness check
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Built by ATTOH Digital · UK SME-focused
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Built by ATTOH Digital · UK SME-focused
/ What this app answers
Three questions, one app.
Every Snap is scoped to one operator decision. FormSnap answers three sub-questions that, together, give you the call you needed to make on company formations this week.
/ 02
Are the PSCs clear?
Person with Significant Control structure tested against bank + HMRC expectations.
/ 03
Which SIC code actually fits?
The 2-3 closest matches for your real activity, ranked by lender + insurer perception.
/ Who this is for
Built for the operators who actually have to decide.
Founders incorporating their first UK Ltd, formation agents handling bulk client incorporations, accountants who want to stop seeing client formations rejected by Tide / Starling / Revolut Business.
/ How it works · 4 steps
From question to answer in under 10 minutes.
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01
Tell us about the company
Director count, PSC structure, activity type, expected first-year turnover.
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02
FormSnap runs the rules
Bank-side patterns, Companies House conventions, HMRC SIC expectations, ICO exposure.
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03
Get the readiness pack
PSC clarity, SIC recommendation, registered-office option set, bank-side risk flags.
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04
File or fix
Companies House submission-ready pack, or a fix list for the gaps.
/ FAQ · before you ask
What people ask before they use FormSnap.
01 Which UK challenger banks do you check against? +
Tide, Starling Business, Revolut Business, Monzo Business, Allica, Cashplus — the six most-rejected formations cluster around these.
02 Does it submit to Companies House for us? +
No — formation submission needs an authorised agent. FormSnap produces the submission-ready pack; you or your formations agent files it.
03 Is the PSC check legally binding? +
No — it is a readiness screen. Material PSC structures should be reviewed with a company-law solicitor.
04 What if my activity is multi-sector? +
FormSnap recommends the primary SIC + up to 3 secondary SICs, with bank/insurer perception flagged for each combination.
/ Pair this Snap
AddressSnap
Pair with AddressSnap for registered-office decision.
Open AddressSnap →Ready to ship your own Snap?
FormSnap is one of 22 free Snap apps. If your sector is not on the list, we will build one — scoped, shipped, supervised — in 4 to 8 weeks. Same engineering core, same source-freshness CI, your decision priced against the outcome it produces.