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.

You can apply by calling 0345 606 0286


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

Apply online
    • 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.
    • Take advantage of great offers and discounts from Mastercard when using our Card.

    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.

    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.

*Charges may apply
**Charges could be applied to your business current account if there are insufficient funds in your account to cover the Direct Debit payment for the full balance of your Business Charge Card.

Lost or stolen cards?

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

Internet Banking

Manage your accounts when and where it suits you.

Staying safe online

Find out how we keep you safe online and how you can help.