According to Standard Life, the majority of UK businesses don't make use of business savings accounts which will make the most of their money in difficult economic conditions.
The group found that a third of businesses don't even know how much money they have in their business accounts, leaving them exposed to potential debt problems if things take a turn for the worse.
In the poll of financial directors, senior executives and managing directors, 50% said they were dissatisfied with the interest rate on their business current account.