Good things are happening in British business
Find out how some of our customers have evolved their businesses in innovative ways.
Business Credit and Charge Cards
The cost-effective way to manage your cash flow and stay on top of expenses.
Easily manage your outgoings
Manage your business expenses, free up cash flow and earn rewards with our Credit and Charge Cards.
You’ll pay no annual fee for the first 12 months.
Our Business Cards
Business Credit Card
Apply for up to £10,000 to help manage business expenses and cash flow. You can issue up to 20 cards and will enjoy flexible repayment options.
Business Charge Card
Apply for up to £25,000 to help free up your working capital and manage expenses. You can issue unlimited Charge Cards for your business, with the bill to be settled in full each month.
Corporate Cards
For businesses with a turnover over £3 million, our Corporate Cards provide a range of physical and virtual payment solutions. They also integrate with your accounting systems to streamline processes.
Business Cards explained
Frequently asked questions
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Current customers can log on and apply through online banking services.
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You can see a full list of fees and charges on our Credit Card and Charge Card pages.
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You can use your Credit and Charge Cards in any location in the world that accepts Mastercard® payments. Note that non-sterling payments may be subject to fees and conversion rates.
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Yes, you benefit from merchant rebates with Business Savings by Mastercard® - you will also enjoy added protection with Buyers Protection Insurance** and Travel Insurance**.
Apply now for Business Credit or Charge Cards.
You’ll pay no annual fee for the first 12 months.
Helping you compare our credit 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.
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Your Credit 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 Mastercard 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 Mastercard exchange rate here.
Fees for currency conversion
The comparison above uses the credit card standard non-sterling transaction fee of 2.95%.
From small beginnings to sizzling success
Over the last 25 years, Westaway Sausages has transformed from a startup company to one that leads in innovation and performance in the competitive meat products sector, with support from Lloyds Bank.
9 ways to improve cash flow
Effective cash flow management is essential to ensure your business thrives. Read our tips, including getting the right funding in place.
Lending appeals
The right type of funding can play a vital role in helping your business reach its potential. If your lending application is declined, we will work with the British Bankers’ Association to pursue any raised appeals.
* Up to 45 days of interest-free credit applies to all purchases, but there may be other charges and fees for non-sterling purchases.
**To provide you with Buyers Protection Insurance and Travel Insurance, Lloyds Bank works with Aspire Insurance Advisers, who administer the policy on behalf of Certain Underwriters at Lloyd’s of London.
Cashpoint® is a registered trademark of Lloyds Bank plc.
Mastercard® is a registered trademark.
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.
The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.
Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.
We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
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.