To be honest John, I really don't know.
However, I doubt it as all banks charge a monthly fee (varies). What you are paying for with barclays is a whole package. Business management software etc. as well as quickbooks.
I don't know what he other banks are charging but I'm happy with what I get. (Rephrase that, I'm not happy with any bank but I can't run my business without one) so I guess I'll just keep paying the £21.
Fran.