Why use a Business Card?

Whether you’re looking for flexibility in your payments, control over business expenses or just added security, a Business Card from Lloyds Bank could make great sense for your business.

What advantages are there for a Business Card compared to just using a personal banking card?

Using any of our Business Cards for spend helps safeguard your home finances in the event of fraud or unexpected expenses. Use of a Business Card is also better commercial practice and keeps your business expenses separate, which is important for VAT and accounting purposes. Using a Business Card helps to safeguard your personal credit rating, because personal funds are not being used for business purposes. We issue Business Cards on an assessment of the suitability of your business and not the individual.

I use an overdraft for my payments, so why use a card?

Using a Business Credit Card or Charge Card alongside other bank products may save you money. The cost per transaction could be cheaper than a cheque payment and cheaper than the cost associated with withdrawing cash1.

Using a Business Credit Card or Charge Card can also support more efficient cash flow within the company, with just one monthly payment covering your business expenditure.

What business benefits will I get from using a card?

With a Business Credit Card or Charge Card, you can save on transaction fees and benefit from detailed statements to allow you to track and reconcile expenditure more easily, all while paying just one bill each month. Using your Business Card can also help ease your cash flow and prevent unexpected outgoings, while leaving your overdraft available for more urgent expenditure.

Our Mastercard-badged cards mean you can make payments globally, while using a Business Credit Card or Charge Card, and paying it off on time, can also help build a credit score for your business – ideal for new or growing enterprises who may need to borrow at a later date to support growth ambitions.

How will I be able to control my employee spend?

Our Business Credit Card or Charge Card allows you to set limits on the amount each employee can spend, to help prevent misuse or overspending. We can also limit who can view your business account details and balances to authorised personnel only.


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'.

Learn about ClickSafe®

Lost or stolen cards?

If your card is lost or stolen, or you think someone might know your PIN, tell us straightaway.

Report your card

Benefits of Mastercard

Take advantage of great offers and discounts from Mastercard when using our Credit or Charge Card.

Sign up for Priceless® Cities


Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

1Depending on your Business Current Account tariff.

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 should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action. 

All lending is subject to status. Security may be required.

Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.

Clicksafe® is a registered trademark of Lloyds Bank plc.

®Mastercard and ®VISA are registered trademarks

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.