The benefits of a Business Debit Card

No annual fee

The money is debited directly from your business account – meaning there is no annual fee.

Cash when you need it

You can withdraw up to £700 of cleared funds per day.

Contactless payments

Use your card for on-the-go contactless payments of up to £100.

Speed up deposit transactions

Faster deposit transactions with your card at branches with Immediate Deposit Self Service Machines.

Apply for a Business Debit Card

To apply for a Business Debit Card you'll need to have a Business Current Account with us.

You can expect to receive your Business Debit Card within ten working days of our receipt of your application.

If you require support, you can call our Business Management Team on 0345 300 0268.

We’re available from 7am to 8pm, Monday to Friday, and 9am to 2pm on Saturday. This excludes bank holidays.

Up to £3 million turnover

Business Debit Card application

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£3 million - £25 million turnover

Business Debit Card application

Apply now (PDF, 180KB) open in new tab
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Other cards

From the flexibility of a Credit Card to the convenience of Charge Cards, our products provide added security compared to traditional payment methods, and help you manage your cashflow with up to 56 days’ interest-free credit. 

Compare Business cards

Compare Currency Charges
 

Helping you compare our debit 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 debit card foreign currency transaction fee mark up over the ECB rate.

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Exchange rates

The table should be used as a guide only. Rates are updated once a day on business days. We use Visa 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 Visa exchange rate here.

Fees for currency conversion

The comparison above uses the debit card standard non-sterling transaction fee of 2.75%.

Further Resources/ Other Products

Bank of Scotland Secure

Bank of Scotland Secure is a free service that gives you extra protection when buying online. It offers secure Internet purchasing when using your Bank of Scotland Business Debit or Charge Cards to pay for goods and services at participating retailers' sites.

Lost or stolen cards?

If your card is lost or stolen, or you think someone might know your PIN, tell us straightaway.

Internet Banking

Manage your accounts when and where it suits you.

Business Keycard

Our Business Keycard gives you direct access to your Business Current Account from cash machines worldwide.

  • Cash withdrawals abroad are charged a non-sterling transaction fee which is 2.75% of the transaction amount. This is a fee for currency conversion. You will also be charged a non-sterling cash transaction fee which is 1.5% of the transaction amount (minimum £1.50). The non-sterling cash transaction fee is not applicable when you withdraw euro at an ATM or over the counter within the EEA or UK, or if you withdraw euro at an ATM outside the EEA or UK if the ATM operators payment service provider is based in the EEA or UK.

    All LINK cash machines will give you an advance, on-screen warning about any charge that may apply. This warning will also tell you who’s making the charge. You will then be given the option to continue or cancel the transaction.