Apply now for our Business Cards

You can apply online if you already have a Business Current Account with us.

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Business Credit Card

Ease your cash flow and enjoy flexible repayment options by accessing longer term credit when your available funds are limited.


  • Benefit from flexible repayment options.
  • Issue up to 20 cardholders with their own spending limits.
  • Borrow up to £10,000.


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Business Charge Card

Make your capital work harder by accessing short term funding with no interest to pay as the monthly balance is repaid in full.


  • Pay your balance in full each month.
  • Issue as many cardholders as you need, with their own spending limits.
  • Borrow from £1000 up to an agreed limit.
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Key features and benefits

  • Up to 45 days of interest-free credit.
  • Easily manage and track your business expenses online.
  • Take advantage of merchant rebates with Business Savings by Mastercard®
  • Benefit from Buyers Protection Insurance*
  • Withdraw up to £500 cash per day.
  • Make contactless payments on transactions up to £100 at participating retailers.
  • A Guarantee may be required for Limited Companies and Limited Liability Partnerships

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

Business Debit Card

Our Business Debit Card offers an affordable way to settle your daily expenses and clarity of spend with funds debited directly from your Business Account.

More about our Business Debit Card

Corporate Cards for businesses with a turnover above £25m

Speak to your Relationship Manager about your card payment needs.

Corporate Cards

Apply now for our Business Cards

You can apply online if you already have a Business Current Account with us

  1. Enter your log in details, which will take you to the Business Internet Banking Homepage
  2. Select ‘Borrowing' in the left hand ‘Our Products and Services’ menu
  3. Select ‘Cards’.
Log on and apply

Talk to us

New customers call us on: 0345 606 0286

Existing customers call us on: 0345 300 0268

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

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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 2.75%.

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.

All lending is subject to status.

®Mastercard and ®VISA are registered trademarks. 

Lending appeals

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