Business Cards

As a Business Account customer of Bank of Scotland, Business Cards can be used to conveniently make payments and effectively manage your cash flow.

Business Cards increase security and control of your payments compared to traditional methods such as cheques. You can issue them to multiple employees and they can be used globally, wherever you see the Mastercard or Visa sign*.

  • Business credit card

    Our Business Credit Card provides a simple way to manage your business expenses with flexible repayment options

    • Detailed monthly statements
    • Up to 45 days' interest free credit
    • Up to 20 cardholders
    • Set individual spending limits for each card issued
    • Great offers and discounts available from Mastercard
    • No Sterling transaction fees
    • Withdrawal limit of up to £500 daily
    • Make contactless payments on transactions up to £45 at participating retailers (where retailers’ payment terminals enabled)
    • Annual fee £32 per card.
  • Business charge card

    Our Charge Card can help ease your cash flow and allows you to better manage business funds:

    • Balances cleared in full each month by direct debit from your Business Current Account
    • Up to 45 days’ interest free credit
    • Detailed monthly statements
    • No limit on the number of cards available per account
    • No Sterling transaction fees†
    • Make contactless payments on transactions up to £45 at participating retailers (where retailers’ payment terminals enabled).
  • Business debit card

    Our Debit Card provides a cost effective and simple way to take care of your business payments:

    • Funds are debited from your Business Account
    • Add up to four cardholders
    • Saves money on cash/cheque transaction fees**
    • No annual fee.
  • Business Keycard

    Our Keycard gives you direct access to your Business Current Account from 1.9 million cash machines worldwide:

    • Use it to check your account balance
    • Take out up to £500 a day
    • Enables fast depositing in branch
    • No annual fee.

Bank of Scotland Secure

When using our cards, you’ll benefit from the free protection of Bank of Scotland Secure

Find out moreabout Bank of Scotland secure banking

Receiving payments

We can help you receive payments conveniently using our card acceptance service, provided by Cardnet®.

Find out moreabout receiving payments

Mastercard Rewards

Take advantage of great offers and discounts from Mastercard when using our Credit or Charge Card.

Find out moreabout Mastercard Priceless Cities.

How a Business Card can work for you

Find out the benefits of using a Business Card over other payment methods.

Find out moreon how a business card can work for you

Making sure you get a fair deal

We want to find a product that’s right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what’s expected of us, the lender, and you, the borrower.


All lending is subject to status.

*Merchant charges may apply.
** Free Debit Card transactions on our Electronic Business tariff and a 40p charge on our Business Extra tariff.
†There is a fee charged for converting a non-Sterling (foreign currency) transaction.

Cardnet® is a registered trademark of Lloyds Bank plc.