Business Credit and Charge Cards

Our Business Cards

Business Credit Card

Apply for up to £10,000 to help manage business expenses and cash flow. 

 

  • You’ll pay no annual fee for the first 12 months.
  • Up to 45 days of interest-free credit on purchases* to ease your cash flow.
  • Apply for a credit limit of up to £10,000.
  • Issue up to 20 cards, each with its own spending limit.
  • Withdraw up to £500 in cash* a day.
  • Flexible payment options.
Business Credit Card

Business Charge Card

Apply for up to £25,000 to help free up your working capital and manage expenses.

 

  • You’ll pay no annual fee for the first 12 months.
  • Up to 45 days of interest-free credit on purchases* to ease your cash flow.
  • Apply for an unsecured credit limit of up to £25,000.
  • Issue as many cards as needed, each with its own spending limit.
  • Withdraw up to £500 in cash* a day.
  • Pay your balance in full every month by direct debit.
Business Charge Card

Benefits of Business Cards

Ease cash flow

Up to 45 days of interest-free credit on purchases* to ease your cash flow.

Earn rewards

Take advantage of merchant rebates with Business Savings by Mastercard®.

Insurance

Benefit from cover for trips with Travel Insurance** and additional protection when purchasing with Buyers Protection Insurance**.

Track expenses

It is easy to keep up with your business outgoings online.

Frequently asked questions

Corporate Cards

Corporate Cards


For businesses with a turnover over £3 million, our Corporate Cards provide a range of physical and virtual payment solutions. They also integrate with your accounting systems to streamline processes.

 

Corporate Cards

Apply now for Business Credit or Charge Cards.

You’ll pay no annual fee for the first 12 months. After the first year, an annual fee of £32 per cardholder will apply.

Online

You can apply online if you already have a business bank account with us.

Log in and apply

By telephone

Call our Business Management Team on 0345 300 0268.

We’re available from 9am to 5pm, Monday to Friday, except public holidays.

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.

##euromarkup##%

 

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 2.75%.

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.

Lending appeals

Appeals, has your Business Finance been declined? You can ask for the decision to be reviewed The right type of funding can play a vital role in helping your business reach its potential. If your lending application is declined, we will work with the British Bankers’ Association to pursue any raised appeals.

More about lending appeals 

*Up to 45 days of interest-free credit applies to all purchases, but there may be other charges and fees for non-sterling purchases. Fees and interest apply to cash withdrawals.

**To provide you with Buyers Protection Insurance and Travel Insurance, Bank of Scotland works with Aspire Insurance Advisers, who administer the policy on behalf of Certain Underwriters at Bank of Scotland.

Cashpoint® is a registered trademark of, Bank of Scotland.

Mastercard® is a registered trademark of Mastercard International Incorporated.