Why use a Business Card?

Whether you’re looking for flexibility in your payments, control over business expenses or just added security, a Business Card from Lloyds Bank could make great sense for your business.

Padlock iconWhat advantages are there for a Business Card compared to just using a personal banking card?

Using any of our Business Cards for spend helps safeguard your home finances in the event of fraud or unexpected expenses. Use of a Business Card is also better commercial practice and keeps your business expenses separate, which is important for VAT and accounting purposes. Using a Business Card helps to safeguard your personal credit rating, because personal funds are not being used for business purposes. We issue Business Cards on an assessment of the suitability of your business and not the individual.

Payments iconI use an overdraft for my payments, so why use a card?

Using a Business Credit Card or Charge Card alongside other bank products may save you money. The cost per transaction could be cheaper than a cheque payment and cheaper than the cost associated with withdrawing cash1.

Using a Business Credit Card or Charge Card can also support more efficient cash flow within the company, with just one monthly payment covering your business expenditure.

Credit card iconWhat business benefits will I get from using a card?

With a Business Credit Card or Charge Card, you can save on transaction fees and benefit from detailed statements to allow you to track and reconcile expenditure more easily, all while paying just one bill each month. Using your Business Card can also help ease your cash flow and prevent unexpected outgoings, while leaving your overdraft available for more urgent expenditure.

Our Visa-badged cards mean you can make payments globally, while using a Business Credit Card or Charge Card, and paying it off on time, can also help build a credit score for your business – ideal for new or growing enterprises who may need to borrow at a later date to support growth ambitions.

Person iconHow will I be able to control my employee spend?

Our Business Credit Card or Charge Card allows you to set limits on the amount each employee can spend, to help prevent misuse or overspending. We can also limit who can view your business account details and balances to authorised personnel only.

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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®

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Lost or stolen cards?

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

Find out more

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Benefits of Visa

Take advantage of great offers and discounts from Visa when using our Credit or Charge Card.

Find out moreabout the benefits of Visa



All lending is subject to a satisfactory credit assessment.

1Depending on your Business Current Account tariff.

Important legal information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN.  Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.ukVisit the Lending Standards Board website

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered. For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/Visit the Financial Services Compensation Scheme website. You can also visit our Financial Services Compensation Scheme page for more details.