Business Credit Card

Our Business Credit Card could improve your business's cash flow and provides a useful tool to pay for everyday expenses.

You can also issue up to 20 cards to employees, each with their own spending limits, and will benefit from 45 days' interest free credit too.

Key Features

  • Improve cash flow with up to 45 days’ interest-free credit
  • Use at home and abroad where you see the Mastercard sign*
  • View your Credit Card accounts online on Business Internet Banking
  • Flexible repayment options and detailed monthly statements make managing expenses easier
  • Make contactless payments on transactions up to £45 at participating retailers (where retailers’ payment terminals enabled)
  • An annual fee of £32 per card. 
    • Apply for a limit of £10,000 or less
    • You decide how many cards are issued (up to 20) and set individual spending limits for each cardholder. Annual charge of £32 per card issued
    • Benefit from flexible repayment options and detailed monthly statements.
    • Up to 45 days' interest free credit if balances are paid in full and on time on previous and latest statements.
    • Withdraw up to £500 per cardholder per day within the limit.
    • Provide staff members aged over 18 with an easy way to manage daily business expenses, within certain limits.
    • Use the card in millions of outlets worldwide where the Mastercard sign is displayed.

    If your business has a turnover of over £2 million please contact your relationship manager before making any applications.

  • To apply for a Business Credit Card, you should hold a business current account with Bank of Scotland

    • Apply for a limit of £10,000 or less
    • Be a sole trader, partner or director with authority to borrow on behalf of your business
    • Be aged 18 or over
    • Be a UK resident
  • There is an annual card fee of £32. Please visit our terms and conditions section to view all terms and conditions.

    View details of our interest-free period as well as monthly and annual rates. Find out more about our Business Credit Cards

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

    Apply Online

    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 Credit 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.

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 nowStart your application today

Apply by phone

New customers call us on: 0345 606 0286

Existing customers call us on: 0345 300 0268

Helping you compare our credit 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 Credit 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 credit card standard non-sterling transaction fee of 2.95%.

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.