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Our Corporate Cards provide a range of payment options for travel, entertainment and business supplies to help you streamline payment processes and drive efficiencies in your organisation.

A Corporate Card is a short-term working capital facility with an agreed overall limit (minimum £25,001). 

Existing Customers Online Servicing

Existing Customers Online Servicing

Commercial Card Internet Servicing gives administrators 24/7 real time access to accounts and statements.  Administrators can make changes to cardholder accounts and authorisation parameters.  You can even design personalised cards.

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Bank of Scotland Corporate Cards

  • Limits from £25,001
  • Up to 59 days’ interest free credit
  • Multiple currencies available
  • Pay both B2B suppliers who accept card payments and non-card accepting suppliers
  • Subject to full credit assessment
  • You will remain 100% liable for the repayment of the outstanding balance

Is my business eligible?

To apply for a Corporate Card you need to:

  • Require the card for business use
  • Have a minimum annual spend of £25,001
  • Be a sole trader, partner or director with authority to borrow on behalf of your business
  • Be aged 18 or over

What we’d need to know

Key factors to support your application:

  • Clear evidence of affordability of the limit requested
  • Detail of security available to support your limit
  • Details of other lending you have in place

Travel Spend

We offer a range of physical and virtual card payment accounts to help you manage this key area of expenditure.

B2B Payments

Our solutions can help your organisation  to streamline and take control of the payment, reconciliation and reporting of B2B supplier payments.

Central Government and Public Sector

The card based solutions and management tools we provide drive back office efficiencies through simplified processes, reduced administrative burden and improved working capital.

Types of Corporate Card

Corporate MultiPay

Use to pay across multiple categories – travel, entertainment and business supplies.


  • Up to 59 days' interest free credit
  • Use in person (including contactless), online or by phone
  • Card details can be embedded with key suppliers
  • Allows automated VAT reclaim (level 2 and 3 merchants)
More about Corporate MultiPay
croissant and coffee

Business Travel Solution

Making payments to your Travel Management Company (TMC).



  • Up to 59 days' interest free credit
  • Use in person (including contactless), online or by phone
  • Card details can be embedded with key suppliers
  • Data insights and MI assist oversight and control
More about Business Travel Solution

ePay Virtual

Digital payment solution for colleagues’ travel and business purchases.


  • Up to 59 days' interest free credit
  • Cards used to procure goods or services
  • Unique virtual card number generated for each purchase
  • Data captured to improve reconciliation of payments
More about ePay Virtual

To help you compare our Commercial Card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here.

How can Corporate Cards help my business?

Enhance working capital

Extend your payment cycle and take advantage of supplier early payment discounts, while you pay later.

Streamline reconciliation

Eliminate administrative tasks from your Accounts Payable allowing colleagues to focus on activities  that add value to the business.

Greater visibility and control

Our solutions give you full oversight of how colleagues are spending across your organisation and provide tools to use that information to your advantage. 

Simplify expense re-claim processes

With online expense management, your colleagues can process their expenses and Approvers authorise them – even on the move. 

VAT compliant reporting

Automated reporting can make the VAT reclaim process easier. 

Online access to your accounts 24/7

Administrators and cardholders can access their accounts in real-time with Commercial Card Internet Servicing.

Useful Contacts

Useful Contacts

Should you need assistance once your programme is set up please contact the relevant team.

Contact us Credit and charge cards

Online reporting and expense management

With Commercial Card Data Management (CCDM) you can access MI to understand spending patterns and inform supplier management, as well as automate expense management and reduce admin.

Existing customer CCDM login

Product Terms and Conditions

Ensure you're up to date with our products and services' latest small print.

Terms and conditions

Corporate Cards forms and guides

Here you’ll find the latest copies of our Programme Administrator Guides, Cardholder Guides, Terms and Conditions and the forms you’ll need to manage your card programme.

View forms and guides

Credit and charge cards for smaller businesses

Credit and charge cards for smaller businesses

For businesses with a turnover up to £25 million.

Credit and charge cards