Business Debit Card

Quick and easy access to your funds to help you run your business more efficiently.

Our Business Debit Card gives you a simple and cost-effective way to settle your day-to-day expenses and is free from annual fees.

Key Features

  • No annual fee.
  • Free cash withdrawals from any Bank of Scotland, Lloyds Bank or Halifax cash machine.
  • Save money when you make payments with your card instead of writing cheques*.
  • Use your card for contactless payments to pay up to £100.
  • Use it around the world wherever you see the Visa sign**.
  • Get cash out and check your balance on-the-go at any ATM displaying the LINK sign1.
  • Enables fast depositing in branch.


    • A simple way to pay for goods and services without writing company cheques.
    • Chip and PIN technology for a secure way to pay.
    • Funds are debited directly from your business account.
    • Retailer details appear on your statement, for easy account reconciliation.
    • Accepted in millions of outlets worldwide, wherever the Visa sign is displayed.
    • Free cash withdrawals from any Bank of Scotland, Lloyds Bank or Halifax cash machine.
    • Eligibility criteria applies.
  • For more information and to make sure you understand the small print, please view our Business Debit Card Terms and Conditions (PDF, 189KB).

  • A key feature of our Business Debit Card is the ability to deposit funds quickly in branch:

    • Use the card to enable faster deposit transactions at all branches
    • Speed up depositing in branch even more with Immediate Deposit Self Service Machines (where available)
    • Immediate Deposite Self Service Machines allow you to deposit up to 5 cheques or 50 notes in one quick transaction. You will immediately receive a picture receipt and clearing date to give you peace of mind.
  • How to apply

    To apply for a Bank of Scotland Business Debit Card you'll need to have a Business Current Account with us.

    Applications are subject to further eligibility checks. If these eligibility requirements are not met then you will be issued with a Business Cashpoint® Card in place of a Business Debit Card.

    You can expect to receive your Business Debit Card within ten days of our receipt of your application.

    Existing customers

    By phone

    Call us on 0345 300 0268

    If your account is set-up to allow any Account Signatory to sign we will be able to process your request over the phone, subject to eligibility.

    Complete the form below

    You can return the completed form to us by either:

    emailing it to, or

    post it to Bank of Scotland, Business Banking, PO BOX 1984, SP10 9GZ

    Apply for a Business Debit card PDF 187KB

    New customers

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

*Buying goods with a Business Debit Card instead of writing a cheque can save you 85p on each transaction, applies to customers on the Business Current Account only.

** Cash withdrawals abroad are charged a non-sterling transaction fee which is 2.75% of the transaction amount. This is a fee for currency conversion. You will also be charged a non-sterling cash transaction fee which is 1.5% of the transaction amount (minimum £1.50). The non-sterling cash transaction fee is not applicable when you withdraw euro at an ATM or over the counter within the EEA or UK, or if you withdraw euro at an ATM outside the EEA or UK if the ATM operators payment service provider is based in the EEA or UK.

1 All LINK cash machines will give you an advance, on-screen warning about any charge that may apply. This warning will also tell you who’s making the charge. You will then be given the option to continue or cancel the transaction. Cashpoint® is a registered trademark of Lloyds Bank plc.

Helping you compare our debit 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 debit 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 Visa 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 Visa exchange rate here.

Fees for currency conversion

The comparison above uses the debit card standard non-sterling transaction fee of 2.75%.

Lost or stolen cards?

If your card is lost or stolen, or you think someone might know your PIN, tell us straightaway.

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