Commercial Cards

Simplify payments, control spending and ease cashflow

Card payments are one of the safest ways to pay – both in person and online – and offer flexible banking at your fingertips.

These cards and any information we provide about them are for corporate and institutional customers only.

onecard
Save time and get a clear picture of your team's expenses

Our onecard could be ideal if you’ve multiple employees who make business purchases. To apply, you need an annual turnover of £2m or above.  It’s available to Limited companies, Limited liability partnerships, Partnerships (of 4 or more partners) and Charitable incorporated organisations*.

*onecard is available under the Public Sector Card (PSC) framework agreement.  A £45 annual fee per cardholder applies.

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Virtual card solutions

Offering flexibility to help you manage your expenditure

Our virtual card solutions* could be right for your business if you’ve an annual turnover of £25m or more and you’ve multiple employees who travel for work. Detailed reports, which can be incorporated directly into your general ledger or ERP system, make it easier to monitor travel expenditure. Our virtual cards also come with up to 56 days' interest-free credit.

*Our virtual card solutions are available under the Public Sector Card (PSC) framework agreement

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onecard Virtual Travel

Helping transform your business travel with virtual card payments

Our onecard Virtual Travel helps you improve your business travel spend management. It offers improved compliance, reconciliation, auditing and visibility of spend. What’s more, centralised payments across more categories of spend could help reduce the risk of fraud for all parties.

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Security may be required. Product fees may apply. Over 18s only. Eligible UK businesses and for business use only. Subject to status.

Approval2Buy

Simplify your supplier payments with enhanced controls, increased security and better data


Our Approval2Buy solution offers:

  • Transaction-level control – every transaction is assigned authorisation controls.
  • Workflow control – approval routing for transactions follows existing approval process.
  • Automated reconciliation – VCN data available for reconciliation reporting.
  • Enhanced data – information important to each individual payment can be incorporated into the transaction.
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Lodge Travel

Aims to ensure compliance with your corporate travel policy through centralised bookings

Lodge Travel entails a straight-forward process:

  • Your travel agent receives one account number for your business
  • Your employees can then use this one travel agent and one account number for all their travel costs
  • You receive a monthly invoice to pay and statement to reconcile.
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Smart Data Online

A single source for managing expenses through your card programme


Our Smart Data Online solution delivers electronic data with rich supplier and transaction information that help you control spend and enforce card policies without getting in the way of your employees.  Furthermore, the digital workflows and ability to schedule recurring events helps create process efficiency in your card programme management. In addition, card programme insight and data improve your ability to forecast and reconcile across teams, projects, clients and suppliers.

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