Existing Business Credit or Charge Card Customers

If you need support to make the most of your credit or charge card, you’ll find useful information here.

Getting started

Card user

  • Sign your card straight away
  • You’ll receive your PIN separately
  • Memorise your PIN and destroy the letter it comes with
  • Change your PIN at any Bank of Scotland cash machine by selecting ‘PIN services’
  • Speak to your Business representative if there are any issues.

Business representative

  • Record the details of your card users and let them know their spending limits
  • Talk to them about the business restrictions that apply to their card use and their responsibilities for looking after their card and card details
  • Give them their card and ask them to sign it immediately
  • Make them aware that you’re their main contact for any questions or problems
  • Make sure that authorised signatories sign all forms.

Your card

  • How to pay your card

    A monthly statement is issued to each card user and the business representative. There are a few options to pay:

    1. If a Direct Debit is set up then funds will be taken from your Business Current account no earlier than 25 days after the date on the business statement for credit cards and no earlier than 11 days after the date on the business statement for charge cards.
    2. You can pay online. Log onto your Bank of Scotland Internet Banking account, select ‘Transfers and Payments’ and follow the on-screen instructions.
    3. Send a cheque or pay in branch.

    You might be charged a fee if there aren’t enough funds in your account to cover the Direct Debit payment for the full balance of your cards. If there are any errors or transaction disputes, contact Business Card Services immediately.

  • Cancelling your card

    If you need to cancel your card account:

    1. Let your relationship team know.
    2. Make no further purchases. Please destroy the card securely by cutting through the smartcard chip and throwing away the pieces. We may ask you to let us know you’ve destroyed the card.
    3. Pay all outstanding balances as normal by Direct Debit at the next statement date.

    We’ll let you know when we’ve closed your Business Credit Card account and we’ll arrange for any full or part annual card fee refund if you have paid one.

  • Disputing transactions

    Got an issue with a purchase or transaction? We may be able to help you get your money back.

    When to raise a transaction dispute:

    • Fraud: The transaction was not authorised by the cardholder.
    • Administrative errors: Incorrect amount of money billed.
    • Non-fulfilment of goods and quality issues: Goods or services ordered. don’t get delivered or are not as described.
    • Authorisation issues: Merchant didn’t comply with proper authorisation standards.

    Good to know

    • Usually, the fastest way to resolve the issue is by contacting the business or retailer.
    • Make sure you recognise the transaction.
    • You can't dispute a pending transaction.

    If your transactions meets the above criteria, we may be able to help you get your money back through a Chargeback. A chargeback is a process that reverses a transaction where there has been a dispute.

    You can raise a dispute by emailing BCCDisputes@lloydsbanking.com

  • Setting up your Digital Wallet

    Apple Pay and Google Pay are available to customers who have a Business Credit or Charge Card.

    Set up in minutes and enjoy:

    • Speed: Pay in seconds with your mobile device.
    • Security: Your card details are never shared with merchants.
    • Simplicity: One less thing to carry, one more way to stay in control.

    How to set up Apple Pay

    How to set up Google Pay

Managing your card

If you are looking to amend your existing business card including:

  • Add a cardholder or business representative.
  • Remove a cardholder or business representative.
  • Change details.
  • Change limit.

Simply logon and select ‘Amend your existing card’ and follow the screens.  You will need: Latest statement, current business limit and cardholder or business representative details to hand.

You can redistribute your business credit limit between cards within our business banking app. Go to your business credit card tile, select the ‘3 dot’ menu and ‘Manage your card’.

Other help and guidance

Read our Business Credit and Charge Card User guide (PDF, 1.05MB)

View all Business Credit Card fees and charges

View all Business Charge Card fees and charges

View the security token user guide (PDF, 1.77MB)

Still have a question or need to speak to someone about your existing business card?

You can contact Business Card Services on 0345 300 0268

Additional Card Benefits

Mastercard® Business Savings:

Card users will receive business savings rewards for spending with certain merchants. Mastercard manages and provides this scheme at no cost to you.

Mastercard® Business Savings

Travel Insurance:

Card users benefit from travel insurance cover for themselves, their family and up to three colleagues travelling together. To qualify for cover, you must have purchased at least 50% of the total cost of business travel with your Business Credit or Charge Card.

Travel Insurance

Buyer Protection Insurance:

Your cards come with complimentary Buyers Protection Insurance. Claim up to £2,500 per claim and up to £5,000 per card user per year. Claims can be made against the theft/or accidental damage of purchases made using your card (minimum purchase price £50).

Buyers Protection Insurance
 

Looking to take payments in person, online and over the phone?

From pocket-sized card readers to counter-top terminals to full point of sale app-based business solutions, payment services you can trust.

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