Due to the challenging times we’re all experiencing, we’re dealing with a much higher number of calls from customers than normal. So that our colleagues can help customers most in need, some Telephone Banking services are temporarily unavailable. Find out more.

Business Charge Card

A helping hand to monitor your expenses and manage your cash flow.

We understand that keeping on top of business expenses can be time consuming. The Bank of Scotland Charge Card helps take the headache out of dealing with everyday business costs for you and your team, making them easy to manage, monitor and control.

Key Features

  • Improve cash flow with up to 45 days’ interest-free credit.
  • Use at home and abroad wherever you see the Mastercard sign*.
  • Detailed monthly statements make managing expenses easier.
  • View your Charge Card accounts online on Business Internet Banking.
  • An annual fee of £32 per card.
  • Make contactless payments on transactions up to £45 at participating retailers (where retailers’ payment terminals enabled).

You can apply by calling 0345 606 0286

*Charges may apply

    • We set a monthly limit for your business.
    • You decide how many cards are issued and set individual spending limits for each card holder. There is an annual charge of £32 per card issued.
    • Up to 45 days’ interest free credit for more effective cashflow management.
    • You pay the balance in full each month direct from your business account, so there’s no interest to pay.
    • Withdraw unlimited cash from cash machines or in branch as long as you stay within your credit limit.
    • View transaction(s) total by card, credit limit and statement summary for the last 6 months, online.
    • Filter your business charge card transaction(s) by individual card.
    • View card account details including payment information.

    You can amend who has access to your Charge Card’s information on Internet Banking, or remove delegate access, by completing and returning our Internet User Variation form

  • There is an annual card fee of £32 per card. Please visit our terms and conditions section to view all terms and conditions, charging and associated information.

  • To apply for a Bank of Scotland Business Charge Card you’ll need to have a Business Current Account with us.


    Complete our application form online and once we’ve received it one of our team will get in touch to talk about your application in more detail.

    Log in and apply now

    By phone

    Existing customers

    Call us on 0345 300 0268.

    New customers

    If you'd like to bank online with us please call 0345 606 0286.

  • As part of our ongoing commitment to supporting UK businesses and improving customer relationships we have clearly defined our appeals process and provided details of how and when you can appeal.

    Find out more


New customers 0345 606 0286

Existing customers Call us on 0345 300 0268

If you have a business current account with us you can apply online

Log in and apply nowopens in a new window

Internet Banking

Manage your accounts when and where it suits you.

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