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.

    Please follow these instructions when you click ‘Log in and apply now’

    1. Enter your login details, which will take you to the Business Internet Banking Homepage
    2. Select ‘Cards’ in the left hand ‘Our Products and Services’ menu
    3. Select ‘Apply for a Charge Card’

    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

Apply Online

If you have a business current account with us you can apply online. Follow the steps in the ‘how to apply’ section above.

Log in and apply nowopens in a new window

Apply by phone

New customers call us on: 0345 606 0286

Existing customers call us on: 0345 300 0268

Helping you compare our Charge Card currency charges with other providers

You can now compare our currency conversion charges for card transactions in euro and other EEA currencies. We display these charges as a percentage mark up over the European Central Bank reference rate (ECB rate). The table below does not take into account any other transaction costs we charge, for example foreign currency cash fees.


Indicative transaction value (excl Fees)
Transaction Fee Rate
Transaction Fee
Indicative Statement Value (incl Fees)
ECB to Sterling equivalent Indicative transaction Value
ECB to card variance
ECB Markup sub
ECB Mark up
ECB Pairing Rate
Cash Transaction Ffee

Edit Key/Value Pair Calculator

Edit Key/Value Pair Calculator




Your Charge Card foreign currency transaction fee mark up over the ECB rate.



Exchange rates

The table should be used as a guide only. Rates are updated once a day on business days. We use Mastercard rates and ECB rates which are subject to change.

Transactions in EEA currencies other than euro will be converted to euro first, then pounds sterling.

You can find the latest available Mastercard exchange rate here.

Fees for currency conversion

The comparison above uses the Charge Card standard non-sterling transaction fee of 2.75%.

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