
Business Credit and Charge Cards
The cost-effective way to manage your cash flow and stay on top of expenses.
Easily manage your outgoings
You can manage your business expenses, free up cash flow and earn rewards with our Credit and Charge Cards.
You’ll pay no annual fee for the first 12 months.
Our Business Cards
Business Cards explained

Business Credit Card
- Apply for a credit limit 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 Charge Card
- Apply for credit 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.
Frequently asked questions
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Current customers can log in and apply through online banking services.
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You can see a full list of fees and charges on our Credit Card and Charge Card pages.
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Credit and Charge Cards can be used in any location in the world that accepts Mastercard® payments. Note that non-sterling payments may be subject to fees and conversion rates.
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Yes. You will benefit from merchant rebates with Business Savings by Mastercard® - you will also get added protection with Buyers Protection Insurance** and Travel Insurance**.
Apply now for Business Credit or Charge Cards.
You’ll pay no annual fee for the first 12 months.

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.
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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%.
* Up to 45 days of interest-free credit applies to all purchases, but there may be other charges and fees for non-sterling purchases.
**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 Scoland.
Cashpoint® is a registered trademark of Bank of Scotland.
Mastercard® is a registered trademark.