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Is my business eligible?

To apply for a Corporate Card you need to:

  • Require the card for business use
  • Have a minimum annual spend of £25,001
  • Be a sole trader, partner or director with authority to borrow on behalf of your business
  • Be aged 18 or over

Keep in Mind

Key factors to support your application:​

  • Clear evidence of affordability of the limit requested​
  • Detail of security available to support your limit​
  • Details of other lending you have in place​
  • Subject to full credit assessment​
  • You will remain 100% liable for the repayment of the outstanding balance​
  • Multiple currencies available

Types of Corporate Card

Corporate Charge Card

Effective management of travel and entertainment expenses.

  • Up to 59 days' interest free credit

  • Use in person (including contactless), online or by phone

  • Card details can be embedded with key suppliers

  • Not compatible with automated VAT reclaim

Corporate Charge Card

Corporate Purchasing Card

To pay and aid reconciliation of high value business supplies.

  • Up to 59 days' interest free credit

  • Cards (including contactless) used to procure goods or services

  • Card details can be embedded with key suppliers

  • Allows automated VAT reclaim (level 2 and 3 merchants)

Corporate Purchasing Card

To help you compare our Commercial Card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here.

Virtual Card Solutions

virtual card solutions

Our solution

How it works

Our solution

ePay

How it works

Unique virtual card numbers are raised for individual purchases to control usage and spending.

Payment Network: Visa

Our solution

eOptimise

How it works

Use your Commercial Card to send frictionless Buyer Instructed Payments directly to your suppliers’ bank accounts.

Payment Network: Visa

Our solution

Straight Through Processing (STP)

How it works

A unique, virtual card solution allowing supplier payments to be driven directly from your Accounts Payable.

Payment Network: Visa

Our solution

Business Travel Solution

How it works

Payment mechanism embedded within your TMC booking system.

Payment Network: Visa

How Corporate Cards can help your business

Enhance working capital

Extend your payment cycle and take advantage of supplier early payment discounts, while you pay later.

Streamline reconciliation

Eliminate administrative tasks from your Accounts Payable allowing colleagues to focus on activities that add value to the business.

Greater visibility and control

Our solutions give you full oversight of how colleagues are spending across your organisation and provide tools to use that information to your advantage.

Simplify expense re-claim processes

With online expense management, your colleagues can process their expenses and Approvers authorise them – even on the move.

VAT compliant reporting

Automated reporting can make the VAT reclaim process easier.

Online access to your accounts 24/7

Administrators and cardholders can access their accounts in real-time with Commercial Card Internet Servicing.

Existing Customers Online Servicing

Existing Customers Online Servicing

Commercial Card Internet Servicing (CCIS) gives administrators 24/7 access to accounts and statements. Administrators can make changes to cardholder accounts and authorisation parameters. You can even design personalised cards.

Log on to CCIS Log on to Commercial Card Servicing

Customer Stories

Travel Spend

We offer a range of physical and virtual card payment accounts to help you manage this key area of expenditure.

Read our customer stories

B2B Payments

Our solutions can help your organisation  to streamline and take control of the payment, reconciliation and reporting of B2B supplier payments.

Read our customer stories

Central Government and Public Sector

The card based solutions and management tools we provide drive back office efficiencies through simplified processes, reduced administrative burden and improved working capital.

Read our customer stories Read our customer stories

Get in touch

Should you need assistance once your programme is set-up, please contact the relevant team.

 

Credit and Charge Cards

Manage your business expenses, free up cash flow and earn rewards with our Credit and Charge Cards.

​Credit and charge cards
  • Online reporting and expense management​

    With Commercial Card Data Management (CCDM) you can access MI to understand spending patterns and inform supplier management, as well as automate expense management and reduce admin.​

    Existing customer CCDM login

    Product Terms and Conditions​​

    Ensure you're up to date with our products and services' latest small print.​

    Terms and conditions

    Corporate Cards forms and guides​

    Here you’ll find the latest copies of our Programme Administrator Guides, Cardholder Guides, Terms and Conditions and the forms you’ll need to manage your card programme.​

    View forms and guides