Apply for a Business Charge Card

The application process only takes 5-10 minutes to complete. If we require any further detail we will contact you.

 

If you have an existing Business Charge Card with us and you want to:

  • Add, remove, or change the details of your cardholders or their cardholder limits
  • Add, remove, or change the details of your Business Representatives
  • Apply to increase the overall Business Limit on your Business Charge Card

You can do so by completing a Business Charge Card amendment request >

 

What is a Business Charge Card?

Manage your employees’ spending by giving them their own contactless Business Charge Card.

Our Business Charge Card offers you a straightforward, flexible way to manage cash flow, stay in control of business expenses and could reduce your bank charges. A Business Charge Card is a short-term borrowing facility up to an agreed overall limit.

Your Business Charge Card balance is paid in full each month by direct debit set up from your Business Current Account. No interest is charged because the balance is paid in full, however you may incur charges on your Business Current Account if there are insufficient funds available. You decide how many cards are issued to your business and apply spending limits to each cardholder (minimum limit per card of £500).

You’ll also be able to take advantage of merchant rebates with Business Savings by Mastercard® , and enjoy additional protection when shopping with Buyers Protection Insurance*. 

* 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.

 

Eligibility criteria

To be eligible for a Business Charge Card, you must:

  • be a sole trader, partner, or director with authority to borrow on behalf of your business
  • be aged 18 or over
  • be a UK resident
  • hold a Business Current Account with Lloyds Bank

 

  • If you have held an account with us for less than 4 months, we will need to contact you for further details in order to process your application. These may include copies of previous statements and/or business plans.

 

Making an informed choice

It's important to find the right type of financing for your business. More suitable borrowing options may be available. Alternative short-term borrowing options include Business Credit Cards and Overdrafts. For longer term borrowing, other types of credit may be more suitable for your business.

View alternative borrowing options >

If you are unsure about the right type of lending for your business, or would like to discuss other finance options, please contact your Relationship Manager.

Please click the link below for an explanation of our fees:

 

    • Typical APR is 2.18% (variable)
    • Up to 45 days interest free on sterling transactions
    • 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
    • Sterling cash withdrawals will be charged a handling fee of 2.5% or £2.50 per transaction (whichever is higher)
    • Non-sterling transaction cash withdrawals will be charged a handling fee of 2.5% or £2.50 (whichever is higher) plus a non-sterling transaction fee of 2.95%
    • Non-sterling transactions will be charged a fee of 2.95% of the amount of the Sterling transaction value

 

Full Terms and Conditions are available. In certain circumstances we may terminate or suspend the use of the Charge Card(s) which may include the immediate repayment of any outstanding balance. Full details are included in the Terms and Conditions which will also be included in the documentation we send to you if your application is approved.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. You will need to meet the normal lending eligibility criteria before any lending is agreed.

 

Your Personal Data

We may share your personal information from your application with fraud prevention and credit reference agencies.

For full information about how we use client personal data, including how information held by the fraud prevention or credit reference agencies may be used, please view our privacy notice.

If you are providing information on behalf of a joint applicant, by continuing with this application you confirm that you have their permission to do so.

 

Your Business Charge Card request

If you are applying for more than one card, or for a card for someone else within your business, you will need a number of details for each cardholder including:
 
  • Date of birth
  • Mobile telephone number
Lloyds Bank plc will not change any personal details or marketing preferences we currently have for you.
 
 
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Applicant Details

Continue Previous

Business information

Please complete the following details.

 

Choose 'other' if no representative match
(including yourself)
(working from home = 0)
  • ##total_signs## You need to add information for the remaining account signatories

Account signatories

 

Please provide details of any account signatories required to authorise issuing a charge card.

 

Account signatory 1

 

Title :  ##sig1_title##

First Name:  ##sig1_firstname##

Surname:  ##sig1_lastname##

Email Address:  ##sig1_email##

Mobile number:  ##sig1_mobile##

Add/Edit

Account signatory 2

 

Title :  ##sig2_title##

First Name:  ##sig2_firstname##

Surname:  ##sig2_lastname##

Email Address:  ##sig2_email##

Mobile number:  ##sig2_mobile##

Add/Edit

Account signatory 3

 

Title :  ##sig3_title##

First Name:  ##sig3_firstname##

Surname:  ##sig3_lastname##

Email Address:  ##sig3_email##

Mobile number:  ##sig3_mobile##

Add/Edit

Account signatory 4

 

Title :  ##sig4_title##

First Name:  ##sig4_firstname##

Surname:  ##sig4_lastname##

Email Address:  ##sig4_email##

Mobile number:  ##sig4_mobile##

Add/Edit
Continue Previous

Account signatory 1

Save Remove

Account signatory 2

Save Remove

Account signatory 3

Save Remove

Account signatory 4

Save Remove

Your Business Charge Card request

Please complete the following details.

 

Bank Details

Please note that the sort code and account numbers you entered must be for a Lloyds Bank Business Current Account, otherwise the application will not be successful.

 

Your Charge Card account

A Business Charge Card account has a business limit on it. This is an overall limit your business can use across all issued charge cards.

It is important you choose a business limit which accurately reflects your business needs.

 

(Minimum of £1,000)
£

Please note, the minimum limit you can request is £1,000. There is no upper limit, but your requested limit will be subject to a satisfactory credit assessment.

 

(up to ##max_no_cards## cards allowed, including your own)

Please note, the minimum limit you can assign to any single charge card is £500. 

 

Your payment will be due five working days after your statement date.
Continue Previous

Your Charge Card Application

We would like to contact you to discuss your application.

Please check your contact details below and we’ll be in touch.

 

Name: ##your_title##  ##your_firstname##  ##your_surname##

Email: ##your_email##

Contact Number:  ##your_mobile##

 

Edit details Submit

Cardholders Details

Select “add cardholder” to input the individual cardholders’ details.

You can update the number of cardholders you require by returning to previous screens.

 

  • You must allocate the entire business limit you have applied for (##business_limit##) across all applicants. The minimum limit on any one card is £500

Cardholder Details

You must allocate ##business_limit## across the ##cards## cardholders

 

Cardholder 1

 

Name ##app1_title## ##app1_firstname## ##app1_surname##

Telphone Number: ##app1_mobile_number##

Date of Birth: ##app1_dob-day##/##app1_dob-month##/##app1_dob-year##

Limit: ##app1_card_limit##

Add cardholder Edit cardholder

Cardholder 2

 

Name ##app2_title## ##app2_firstname## ##app2_surname##

Telphone Number: ##app2_mobile_number##

Date of Birth: ##app2_dob-day##/##app2_dob-month##/##app2_dob-year##

Limit: ##app2_card_limit##

Add cardholder Edit cardholder

Cardholder 3

 

Name ##app3_title## ##app3_firstname## ##app3_surname##

Telphone Number: ##app3_mobile_number##

Date of Birth: ##app3_dob-day##/##app3_dob-month##/##app3_dob-year##

Limit: ##app3_card_limit##

Add cardholder Edit cardholder

Cardholder 4

 

Name ##app4_title## ##app4_firstname## ##app4_surname##

Telphone Number: ##app4_mobile_number##

Date of Birth: ##app4_dob-day##/##app4_dob-month##/##app4_dob-year##

Limit: ##app4_card_limit##

Add cardholder Edit cardholder

Cardholder 5

 

Name ##app5_title## ##app5_firstname## ##app5_surname##

Telphone Number: ##app5_mobile_number##

Date of Birth: ##app5_dob-day##/##app5_dob-month##/##app5_dob-year##

Limit: ##app5_card_limit##

Add cardholder Edit cardholder
  • You have allocated ##blop## too much across the cardholders
  • You still have ##blr## to allocate across the cardholders
  • You need to add information for the ##cardholdercount## cardholders
Previous Continue

New Cardholder

Day
Month
Year
£
Save Remove

New Cardholder 2

Day
Month
Year
£
Save Remove

New Cardholder 3

Day
Month
Year
£
Save Remove

New Cardholder 4

Day
Month
Year
£
Save Remove

New Cardholder 5

Day
Month
Year
£
Save Remove

Applicants details

Your Information below

Name

##your_title## ##your_firstname## ##your_surname##

Email address

##your_email##

Mobile Number

##your_mobile##
Change applicant details

Business Infomation

What is the Full name of the business? 

##business_name##

Which industry is your business in?

##industry##

Type of business?

##type_of_business##

Limited Company or Limited Liability Partnership registration number

##reg_no##

Number of Employees? 

##no_of_employees##

Number of Business Premises occupied?

##premise_occupied##

Is your business VAT registered?

##vat_registered##

Does your account require more than one Account Signatory to authorise issuing a card or other new product?

##signature_required##

How many are required to authorise?

(max 4 Account Signatory’s)

##no_signs##

What is the business account sort code? 

##sort-code-first## - ##sort-code-second## - ##sort-code-third##

What is the business account number? 

##account-number##

What business limit would you like on your account?

##business_limit##

Number of  Cardholders 

##people_cards##

Please tell us what you need the Charge Card for 

##what-cc-is-for##

When would you like your statements to be sent to you 

##statement-dates## of the month
Change business details

Cardholders details

New Cardholder 1

Name

##app1_title## ##app1_firstname## ##app1_surname##

Date of Birth

##app1_dob-day##/##app1_dob-month##/##app1_dob-year##

Telephone Number

##app1_mobile_number##

What limit would you like for this cardholder?

##app1_card_limit##

Would you like this cardholder to be a Business Representative on the Charge Card Account

##app1_bus_rep##

Cardholders details

New Cardholder 2

Name

##app2_title## ##app2_firstname## ##app2_surname##

Date of Birth

##app2_dob-day##/##app2_dob-month##/##app2_dob-year##

Telephone Number

##app2_mobile_number##

What limit would you like for this cardholder?

##app2_card_limit##

Would you like this cardholder to be a Business Representative on the Charge Card Account

##app2_bus_rep##

Cardholders details

New Cardholder 3

Name

##app3_title## ##app3_firstname## ##app3_surname##

Date of Birth

##app3_dob-day##/##app3_dob-month##/##app3_dob-year##

Telephone Number

##app3_mobile_number##

What limit would you like for this cardholder?

##app3_card_limit##

Would you like this cardholder to be a Business Representative on the Charge Card Account

##app3_bus_rep##

Cardholders details

New Cardholder 4

Name

##app4_title## ##app4_firstname## ##app4_surname##

Date of Birth

##app4_dob-day##/##app4_dob-month##/##app4_dob-year##

Telephone Number

##app4_mobile_number##

What limit would you like for this cardholder?

##app4_card_limit##

Would you like this cardholder to be a Business Representative on the Charge Card Account

##app4_bus_rep##

Cardholders details

New Cardholder 5

Name

##app5_title## ##app5_firstname## ##app5_surname##

Date of Birth

##app5_dob-day##/##app5_dob-month##/##app5_dob-year##

Telephone Number

##app5_mobile_number##

What limit would you like for this cardholder?

##app5_card_limit##

Would you like this cardholder to be a Business Representative on the Charge Card Account

##app5_bus_rep##
Change cardholder details
Previous Submit application