Business Charge Card

Our Business Charge Card allows you to take control of everyday expenses such as smaller expenses, stock purchases and travel costs. You can also issue multiple cards to employees (minimum age 18), each with their own spending limit.

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Features and benefits

  • Get up to 36 days interest-free credit.
  • Pay an annual fee of just £32 per card.
  • Withdraw money (up to £500 daily) from cash machines at home and abroad*.
  • Use the card in millions of outlets worldwide wherever the Visa sign is displayed.
  • Settle cardholders' balances by direct debit.

*Cash withdrawals: 2.5% handling fee (min £2.50), Non-Sterling transaction fee: 2.95%.

Is your business eligible?

To apply for a Business Charge Card, you should:

  • hold a business current account with Lloyds Bank
  • apply for a limit of £10,000 or less
  • be a sole trader, partner or director with authority to borrow on behalf of your business
  • be aged 18 or over
  • be a UK resident.


For more information and to make sure you understand the small print, please view our Business Charge Card terms and conditions (PDF)Business Charge Card terms and conditions PDF. Opens in a new browser window.Business Debit Card terms and conditions PDF. Opens in a new browser window..

For customers who have received a Notice of Variation dated February 2017, these T&Cs will apply from 24th of April 2017:

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Business Debit Card

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Make payments and manage cashflow conveniently with credit and debit cards designed for businesses.

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Apply for a new Business Charge Card


It's easy to apply for our Business Charge Card online. Just fill out our online form, which takes only 5-10 minutes to complete and if we require any further detail we will contact you.

Apply onlinefor a Business Charge Card

On the phone

0800 022 4395Call telephone number 0800 022 4395

Call us to speak with one of our business management team. We are available from 8am to 8pm Monday to Friday and 9am to 1pm on Saturday.

If you are looking to increase the limit on your existing Business Charge Card, please contact us on 0345 072 5555Call telephone number 0345 072 5555 from 9am to 5pm Monday to Friday.

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Compare all cards

From the flexibility of a Credit Card to the convenience of Charge Cards and Debit Cards, our products provide added visibility and security compared to traditional payment methods.

Compare all Business Banking cards

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ClickSafe® is a free service that gives you extra protection when you use your Business Credit, Debit and Charge Cards to shop online. It is also known as ‘Verified by Visa’ and ‘MasterCard® SecureCode’.

Learn about ClickSafe®