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.

Track expenses

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

Cost-effective working capital

Access cash flow with 45 days of interest-free credit on purchases*.

Business Savings

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

Buyers Protection Insurance

Enjoy additional protection when purchasing with Buyers Protection Insurance**.

Travel Insurance

Benefit from cover for trips purchased with our Business Cards with Travel Insurance**.

Cash when you need it

Withdraw up to £500 cash per day.

Our Business Cards

Business Credit Card

You can apply for up to £10,000 to help manage business expenses and cash flow. Your business can also issue up to 20 cards and will enjoy flexible repayment options.

Business Credit Card

Business Charge Card

Apply for up to £25,000 to help free up your working capital and manage expenses. You can issue unlimited Charge Cards for your business, with the bill to be settled in full each month.

Business Charge Card

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

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

Borrow up to £5,000 for your new business

You could borrow up to £5,000 across a Business Overdraft or Business Credit Card after you open a new Business Current Account*. This could help you kickstart your business, build your credit rating and be ready for any unexpected costs.

Bank Accounts for start-ups and small businesses

*Apply online once your new Business Current Account is set up and you’ll get an instant decision. Eligibility for lending will be assessed as part of a separate application, and there is no guarantee of lending being granted. All lending is subject to status.

Apply now for Business Credit or Charge Cards.

You’ll pay no annual fee for the first 12 months.


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.



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.

* 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.

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