Hi Lucy,
If you have a bad credit rating you can open a Nationwide basic account or a Co-op cashminder account. The Nationwide is a good option as you have full online banking but not a debit card...just a cash card.
Abbey and Alliance & Leicester ( Santander) both offer free business banking and you get a nice visa debit card. Not sure HOW bad your rating is, but if you are a discharged bankrupt, your discharge letter is enough to pass the test.
Abbey Business will allow multiple business accounts with new account numbers and cards. There is also an option for Reserve (savings accounts) which are attached to the Business Current accounts and give you an extra card...I haven't received mine yet.
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