Due to the challenging times we’re all experiencing, we’re dealing with a much higher number of calls from customers than normal.

So that our colleagues can help customers most in need, some Telephone Banking services are temporarily unavailable. Find out more.


Business Charge Card

Our Business Charge Card allows you to take control of everyday expenses such as smaller expenses, stock purchases and travel costs. You can also issue multiple cards to employees (minimum age 18), each with their own spending limit.

Features and benefits

  • Get up to 45 days interest-free credit.
  • Pay an annual fee of just £32 per card.
  • Withdraw money (up to £500 daily) from cash machines at home and abroad*.
  • Use the card in millions of outlets worldwide where the Mastercard® sign is displayed.
  • Settle cardholders' balances by direct debit.
  • Make contactless payments on transactions up to £45 at participating retailers (where retailers’ payment terminals enabled).

*Cash withdrawals: 2.5% handling fee (min £2.50), Non-Sterling transaction fee: 2.95%.

Is your Business eligible?

To apply for a Business Charge Card, you should:

  • hold a business current account with Lloyds Bank
  • 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.

Apply for a new Business Charge Card


It's easy to apply for our Business Charge Card online. Just fill out our online form, which takes only 5-10 minutes to complete and if we require any further details we will contact you.

Log in and apply nowfor a Business Charge Card

On the phone

0345 072 5555

Call us to speak with one of our business management team. We are available Monday to Friday, 7:00am – 8:00pm; Saturday, 9.00am – 2.00pm.

If you are looking to increase the limit on your existing Business Charge Card, please contact us on 0345 072 5555 from 9am to 5pm Monday to Friday.

Compare all cards

From the flexibility of a Credit Card to the convenience of Charge Cards and Debit Cards, our products provide added visibility and security compared to traditional payment methods.


ClickSafe® is a free service that gives you extra protection when you use your Business Credit, Debit and Charge Cards to shop online. It is also known as ‘Visa Secure’ and ‘Mastercard® Identity Check'.

Lending appeals

Appeals for borrowing. Business finance declined? You can ask for the decision to be reviewed.

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

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Telephone: 020 7626 1500

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.

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.