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.
  • Use your card for contactless payments to pay up to £100. 
  • Save money when you make payments with your card instead of writing cheques*.
  • 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.


Existing Business Current Account holders please complete the attached form and post it to: Bank of Scotland, Commercial Servicing, Edinburgh, BX2 1LB.

Download PDFopens in new window,236KB
    • 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.
  • We don’t charge an annual fee for your card. There are some charges and fees for using your card in the UK and abroad, which may vary depending on your account tariff. For full rates and charges please read Your account charges explained leaflet (PDF, 1.8MB).

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

    To view the relevant ways to apply please click the appropriate link.


    Complete our application form to apply for a Business Debit Card. Once completed, print the form, collect the required signatures and post it to: Bank of Scotland, Commercial Servicing, Edinburgh, BX2 1LB.

    Applications are subject to further eligibility checks. If these eligibility requirements are not met, your Relationship Manager will be in touch to discuss other options.

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

    Download now (PDF, 236KB)

    Troubleshooting: If you are having trouble viewing the form we advise that you download the form first by right clicking the link and selecting the save option before opening it.

    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

* Buying goods with a Business Debit Card instead of writing a cheque can save you between 30p – 80p per transaction. If you were to write five cheques per week, you would save between £78 - £208 over a year (applies to customers on the Business Extra or Electronic Business Tariff only).

** Charges may apply

1All 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.

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.

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.