
Business Cards
The cost-effective way to manage your cash flow and stay on top of your expenses.

Business Credit Card
Improve your cash flow and manage your business spending with flexible repayment options.
- Apply for up to £10,000 and withdraw up to £500 cash per day.
- Up to 45 days interest-free credit on Sterling purchases if the balance is paid in full and on time.
- Issue up to 20 cards, each with their own spending limits (min. £500)*.
- Benefit from flexible repayment options.
A guarantee may be required for Limited Companies and Limited Liability Partnerships.
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Representative example
Successful applicants will get an Annual Purchase Rate of 16.3% and a variable representative of 22.4% APR based on borrowing £1,200.
Each card added in the first 12 months of Business Card account opening won’t be charged the first £32 annual fee. After the first year, an annual fee of £32 per cardholder will apply.
Benefit from issuing up to 20 Business Credit Cards to your employees to spend on behalf of the business in a controlled manner.
*Credit limits vary based on your individual circumstances and the number of cardholders is subject to your total credit limit.
If lending is agreed, we will carry out a credit check on you and your business. All lending is subject to status and credit application.

Business Charge Card
Free up your working capital by managing your employees’ spending and settling one bill each month.
- Apply from a minimum of £1,000 and withdraw up to £500 cash per day.
- Up to 45 days interest-free credit on Sterling purchases.
- Issue unlimited cards, each with their own spending limits (min. £500)*.
- Pay your balance in full each month by Direct Debit.
A guarantee may be required for Limited Companies and Limited Liability Partnerships.
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Each card added in the first 12 months of Business Card account opening won’t be charged the first £32 annual fee. After the first year, an annual fee of £32 per cardholder will apply.
Our Business Charge Card allows you to take advantage of up to 45 days’ interest free credit on Sterling purchases, helping improve cash flow management. The balance of your Business Charge Card(s) must be paid in full each month by Direct Debit from your Lloyds Bank Business Current Account.
Benefit from issuing unlimited Business Charge Cards to your employees to spend on behalf of the business in a controlled manner.
*Credit limits vary based on your individual circumstances and the number of cardholders is subject to your total credit limit.
If lending is agreed, we will carry out a credit check on you and your business. All lending is subject to status and credit application.
Business Card Features and Benefits
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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.
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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%.
**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.
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.