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.

Track expenses

It is easy to keep up with your business outgoings online.

Cost-effective working capital

Access cash flow with 45 days of interest-free credit on purchases*.

Business savings

Take advantage of merchant rebates with Business Savings by Mastercard®.

Buyers Protection Insurance

Enjoy additional protection when purchasing with Buyers Protection Insurance**.

Travel Insurance

Benefit from cover for trips purchased with our Business Cards with Travel Insurance**.

Cash when you need it

Withdraw up to £500 cash per day.

Track expenses

It is easy to keep up with your business outgoings online.

Cost-effective working capital

Access cash flow with 45 days of interest-free credit on purchases*.

Business savings

Take advantage of merchant rebates with Business Savings by Mastercard®.

Buyers Protection Insurance

Enjoy additional protection when purchasing with Buyers Protection Insurance**.

Travel Insurance

Benefit from cover for trips purchased with our Business Cards with Travel Insurance**.

Cash when you need it

Withdraw up to £500 cash per day.

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 Credit Card

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.

Business Charge Card

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.

Corporate Cards

Business Cards explained

Business Credit Card

  • Apply for a credit limit up to £10,000.
  • Issue up to 20 cards, each with its own spending limit.
  • Withdraw up to £500 in cash a day.
  • Flexible payment options.

Business Charge Card

  • Apply for credit up to £25,000.
  • Issue as many cards as needed, each with its own spending limit.
  • Withdraw up to £500 in cash a day. 
  • Pay your balance in full every month by direct debit.

Frequently asked questions

Apply now for Business Credit or Charge Cards.

You’ll pay no annual fee for the first 12 months.

Online

You can apply online if you already have a business bank account with us.

Log on and apply

By telephone

If your business has a turnover of up to £3m call 0345 072 5555. For businesses with a turnover above £3m call 0800 022 4395.

We’re available from 9am to 5pm, Monday to Friday, except public holidays.

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.

£
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 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%.

How Invoice Finance can help you grow

Find out how The Drinks Club used Invoice Finance to boost their cash flow and helped them grow from a start-up in a shed to a full beverage solution.

Read their story
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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.

Read the guide
 

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.

More about lending 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.