Log on and apply for a Business Charge Card

Benefits of a Business Charge Card

Short-term funding

Borrow a minimum of £1,000.

Includes daily cash withdrawal** limit of £500.

Interest-free period

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

Pay the balance in full by direct debit from your Business Current Account each month.

Rewards and Insurance

Take advantage of merchant rebates with Business Savings by Mastercard®, and benefit from Travel Insurance*** and Buyers Protection Insurance***.

*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.

**Up to 45 days interest-free applies to all purchases, but there may be other charges and fees for non-sterling purchases. Fees and interest apply to cash withdrawals.

View all Business Charge Card fees and charges

Is your business eligible?

You can apply for a Business Charge Card if you are:

  • An existing Business Current Account holder.
  • A sole trader, partner or company director with authority to borrow on behalf of your business.
  • Aged 18 or older.
  • Using it for business use only.

Keep in mind

  • Your balance must be paid in full by Direct Debit from your Lloyds Bank Business Current Account each month.
  • You should only spend what you can afford to pay back.
  • A guarantee may be required for Limited Companies and Limited Liability Partnerships.
  • 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.

Apply now for a Business Charge Card

Apply now for a Business Charge Card

Log on and apply now to Online for Business to see if you’re eligible.

Log on and apply

How does a Business Charge Card work?


Unlimited cards

Benefit from issuing unlimited Business Charge Cards to your employees to spend on behalf of the business in a controlled manner.


Spend within your limit

Simply stay within your agreed credit limit to ensure you don’t incur default charges. Note that you may incur other fees as per our  fees and charges below.


Choose a date for your payments

You must pay off the total of the balance at the end of every month. You can choose a date that suits your business. 


Earn rewards

Benefit from merchant rebates with Business Savings by Mastercard®. You will also enjoy added protection with Buyers Protection Insurance*** and Travel Insurance***.

Frequently asked questions

  • A Business Charge Card can be used for any of your business transactions and expenses. This includes things like equipment, travel costs, entertainment or office supplies. Our Business Charge Card is accepted in millions of outlets worldwide, where the Mastercard® sign is displayed. Allowing you to withdraw up to £500 a day, it’s a convenient way to cover costs on the go and helps you to manage employee spending.

  • This is a fee charged every 12 months as a condition of continuing to hold this Charge Card account. Each card added in the first 12 months of the Business Card account opening won’t be charged the first annual fee. After the first year, an annual fee of £32 per cardholder will apply. There may be other costs attached to holding a Charge Card account, which are outlined in this account’s fees and charges below.

  • A credit limit is the maximum amount you can borrow on your card at any one time. As part of your application we will undertake an affordability assessment based on what you've told us about your business and how much you would like as your credit limit, and using data we hold on your business or which is available externally. Your credit limit will be based on your current circumstances and may vary.

  • You can apply by logging on to our online banking services or business banking app.

  • During the application process, we will carry out a credit assessment which may include a credit bureau check. Unless your credit history shows multiple applications, your credit rating shouldn’t significantly deteriorate. Lenders are likely to see occasional enquiries as part of a typical business process.

  • Yes, you can view your Lloyds Bank Business Charge Cards online through Online for Business

  • If you are registered as a full access user with Online for Business, you can make changes to your Business Representatives and cardholders online. 

Business Credit Card

Looking for a Business Credit Card?

Our Business Credit Cards are another way to manage business spending with flexible repayment options.

Business Credit Cards

Fees and charges

The information in these tables summarises key product features and is not intended to replace any terms and conditions.

  • Charges



    Cash withdrawals

    2.5% handling fee, minimum £2.50


    Copy of Transaction Receipts

    £5 per item (there will be no charge if your query reveals an error has been made)

  • 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.

  • Foreign fees



    Non-Sterling transaction fee

    2.95% of the amount of the Sterling transaction value. If withdrawing cash, you will also pay the cash withdrawal charge.


    Payment scheme exchange rate

    You can find indicative rates at Mastercard®

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.


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%.


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

***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.