Another point is you don't need a business bank account to be a sole trader. The business bank account has fees attached to it, which is why a bank wants you to

Another point is you don't need a business bank account to be a sole trader. The business bank account has fees attached to it, which is why a bank wants you to use it rather than the free alternative. This makes it ideal if you want to 'bootstrap' some ideas to see if they are worthy of pursuing - without the pressure of investors, business plans etc. You don't even have to register with the tax people until a few months into a business.