Im a self-employed Freelance copywriter. I invoice most of my clients monthy and they BACS the amount into a personal account. The only real expenses I have coming off is my mobile phone and the odd bit of stationery, postage - the the other business expenses are things like heat and light which come off the household joint account.
I pay an amount every month into the household account as 'wages' and I also have a personal savings account where I pop a bit of tax money every month so I don't spend it
I don't pay for either account and haven't seen the need for a business account which I would have to pay for - am I missing something?