The cost-effective way to manage your cash flow and stay on top of your expenses.
Business Credit Card
Ease your cash flow and enjoy flexible repayment options by accessing longer term credit when your available funds are limited.
- Benefit from flexible repayment options.
- Issue up to 20 cardholders with their own spending limits.
- Borrow up to £10,000.
Business Charge Card
Make your capital work harder by accessing short term funding with no interest to pay as the monthly balance is repaid in full.
- Pay your balance in full each month.
- Issue as many cardholders as you need, with their own spending limits.
- Borrow from £1000 up to an agreed limit.
Key features and benefits
- Up to 45 days of interest-free credit.
- Easily manage and track your business expenses online.
- Take advantage of merchant rebates with Business Savings by Mastercard®
- Benefit from Buyers Protection Insurance*
- Withdraw up to £500 cash per day.
- Make contactless payments on transactions up to £100 at participating retailers.
- A Guarantee may be required for Limited Companies and Limited Liability Partnerships
* To provide you with Buyers Protection Insurance, Lloyds Bank works with Aspire Insurance Advisers, who administer the policy on behalf of Certain Underwriters at Lloyd’s of London.
View details of our interest-free period as well as monthly and annual rates.
For more information and to make sure you understand the small print, please view our Business Credit Card and Charge Card terms and conditions
Lloyds Bank Business Credit Card Terms and Conditions - Consumer Credit Act Version (PDF, 206KB)
Lloyds Bank Business Credit Card Terms and Conditions - Non Consumer Credit Act Version, (PDF, 206KB)
Lloyds Bank Business Charge Card Terms and Conditions - Consumer Credit Act Version (PDF, 197KB)
Lloyds Bank Business Charge Card Terms and Conditions - Non Consumer Credit Act Version (PDF, 196KB)
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.
Edit Key/Value Pair Calculator
Edit Key/Value Pair Calculator
Your Credit Card foreign currency transaction fee mark up over the ECB rate.
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%.
Cashpoint® is a registered trademark of Lloyds Bank plc.
Clicksafe® is a registered trademark of Lloyds Bank plc.
®Mastercard and ®VISA are registered trademarks.
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.