Cash-flow forecasting
See your balance up to 13 weeks ahead, built from real invoices, bills and payroll. Test decisions before you make them with what-if scenarios.
New Scenario planning for every Growth account
4.8 out of 5 from 2,300 UK business owners
The business account that sees your cash flow coming.
Meridian gives UK small and medium businesses a 13-week cash-flow forecast, invoices that chase themselves and payments in 38 currencies, all in one account you can open in minutes.
Trusted by more than 14,000 UK businesses
- northwold
- Brightmoor
- Tessellate
- Larkspur
- kestrel.
- Oakhaven & Rowe
How it works
From sign-up to a 13-week forecast in an afternoon.
No spreadsheets, no consultants. Meridian learns your business from the money moving through it and gets sharper every week.
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1Around 10 minutes
Open your account
Apply online with your company number and a photo ID. Most applications are approved the same working day, with UK account details ready straight away.
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2A few clicks
Connect your books
Link your accounting software and any other business bank accounts. Meridian reads open invoices, bills, VAT dates and payroll automatically.
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3Every morning
Plan with confidence
Get a rolling 13-week forecast that updates with every payment, and an alert weeks before any shortfall, not on the day.
Product
Everything a finance team does, without hiring one.
A full business account with the tools most SMEs stitch together from five different apps and a spreadsheet nobody trusts.
Invoices that chase themselves
Send branded invoices with a pay-by-bank link. Polite reminders go out on schedule, so you never have to.
Multi-currency accounts
Hold, receive and pay in 38 currencies with local account details in GBP, EUR and USD. No hidden mark-ups.
Cards for the whole team
Physical and virtual cards with per-person limits, merchant controls and receipts captured from a photo.
Approvals and permissions
Set who can pay what. Require a second approver above a threshold and keep a full audit trail for your accountant.
Bulk payments
Pay up to 1,000 suppliers or contractors from a single CSV, approved in one go.
Two-way accounting sync
Transactions, receipts and VAT codes reconcile themselves overnight.
Open API and webhooks
Automate payouts and pull live balances into your own systems with a documented REST API.
Savings calculator
See what Meridian could be worth to your business.
Move the sliders to match your business. We will estimate the cash you could release, the fees you could keep and the admin time you could win back.
Estimated value in your first year
£54,240
Cash released from faster payment plus fees and time saved.
- Working capital releasedPaid 11 days sooner on average£43,400
- FX fees kept each yearCompared with a 2.75% bank margin£11,520
- Admin time savedWorth £4,100 a year at £35 an hour10 hrs/mo
Illustrative estimate only. Assumes invoice reminders reduce average payment time by a quarter, FX on Growth plans at 0.35% against a typical 2.75% bank margin, and seven minutes of admin saved per invoice. Your results will depend on your customers and trading patterns.
Security and regulation
Built to protect every pound you hold with us.
We treat your money the way you would want a finance partner to: kept separate, watched closely and never lent out.
Payments services provided by a regulated partner
Your account, cards and payments are provided by our UK e-money partner, which is regulated for the services it offers. Meridian builds the technology on top.
Safeguarded funds
Your money is held in segregated safeguarding accounts at major UK banks, kept apart from company funds. As e-money it is protected by safeguarding rather than the Financial Services Compensation Scheme.
Security tested by independent specialists
256-bit encryption in transit and at rest, device binding, strong customer authentication on every payment and annual penetration testing.
Pricing
Simple plans that grow with you.
Start free and upgrade when you need forecasting, more currencies or a bigger team. Change or cancel at any time.
Starter
For new companies and sole directors getting set up.
£0/ month
Free forever, no card needed
Open a free account- GBP account with UK sort code
- 1 physical and 3 virtual cards
- Unlimited invoices
- 4-week cash-flow view
- 20 free UK transfers a month
Growth
For growing teams that want to plan ahead.
£29/ month
Billed monthly, or £288 a year
Start 30-day free trial- Everything in Starter, plus:
- 13-week forecasting and scenarios
- EUR and USD accounts, FX from 0.35%
- Automated invoice reminders
- Two-way accounting sync
- Up to 10 team members
Scale
For established SMEs with more people and more currencies.
£89/ month
Billed monthly, or £888 a year
Talk to our team- Everything in Growth, plus:
- 38 currencies, FX from 0.25%
- Multi-level approval workflows
- Bulk payments and API access
- Unlimited team members
- Named account manager
All prices exclude VAT. Need something bigger? See Enterprise options
Customers
Businesses that stopped guessing.
14,000+
UK businesses bank with Meridian
£3.2bn
Moved through Meridian accounts in 2025
11 days
Faster invoice payment, on average
94%
Forecast accuracy at four weeks out
We used to find out about a cash squeeze when payroll bounced. Now Meridian flags it six weeks out and we move a supplier payment or chase two invoices. It has changed how the whole leadership team talks about money.Runway visibility up from 2 to 13 weeks
Priya RamanFinance Director, Brightmoor Interiors
We pay growers in euros and zloty every week. Switching to Meridian cut our FX costs by more than £20,000 in the first year, and the reminders mean our own customers pay on time.£20k+ saved on FX
Tom AshworthCo-founder, Kestrel Supply Co.
Opening the account took one coffee. Month-end used to take me three days; with the accounting sync it is an afternoon, and my accountant has stopped emailing me for receipts.Month-end close in half a day
Eleanor MbekiDirector, Northwold Studio
FAQ
Questions, answered plainly.
Everything you need to know before you switch. Still unsure? Our UK-based team replies in under five minutes during working hours.
Talk to a real person
Monday to Friday, 8am to 7pm, by chat or phone.
Contact supportNo. Meridian is a financial technology company. Your business account, cards and payments are provided by our regulated e-money partner, and Meridian provides the app, forecasting and invoicing tools that sit on top.
Funds are safeguarded, which means they are held in segregated accounts at major UK banks and kept separate from company money. If our partner were ever to fail, safeguarded funds would be returned to customers. E-money is not covered by the Financial Services Compensation Scheme.
Forecasts are built from your real invoices, bills, payroll and past trading patterns, then shown with a likely range rather than a single number. Across customers with at least three months of history, the four-week forecast lands within 6% of the actual balance on average.
Growth accounts include GBP, EUR and USD with local account details. Scale accounts can hold and pay in 38 currencies, including PLN, CHF, SEK, AUD and CAD, with the exchange rate and fee shown before you confirm.
A limited company or LLP registered in the UK, your company number, and photo ID for each director and anyone owning more than 25% of the business. Most applications take around 10 minutes and are approved the same working day.
Yes. Many customers start by connecting their existing account through Open Banking so the forecast sees all of their cash, then move day-to-day payments across once they are comfortable.
Know where your cash will be in 13 weeks’ time.
Open a free Meridian account today. Your first forecast is ready as soon as your books are connected.