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Business charge card

Flexibility and control

The Co-operative Bank business charge card offers the flexibility you need to forecast and manage your business expenses.

With a Business charge card you will benefit from:

  • An interest-free period of up to 48 days, as long as the full outstanding balance is paid monthly by direct debit. You will incur charges if you do not pay the full balance by the due date. Please refer to the tariff below for details of the charges.
  • You can arrange for multiple cardholders, and will receive monthly statements for all activity across all cards.
  • You can use the cards to make payments and can also withdraw cash* from any cash machine displaying the Visa symbol (subject to available balance).
  • All of this for a nominal monthly fee of only £2 per card (this fee is waived for FSB members).
  • Cash advance fee of 2% (min £1.50) applicable on cash withdrawals. Foreign currency cash advances will also be subject to a 2.75% non sterling transaction fee. Please refer to your tariff for further information.

To apply, you and the key parties must meet the following criteria

  • Be 18 years or over
  • Be a UK resident
  • Be an account signatory with authority to borrow on behalf of the business
  • Hold a business current account with The Co-operative Bank
  • Require the lending for business use
  • Currently this card is not offered to sole traders, partnerships with two or three partners or unincorporated organisations.

Your application is subject to status and based on an assessment of your financial circumstances.

We aim to give you a decision within 7 business days of all the information being received. Occasionally, we may require additional information depending upon your circumstances.

Please ensure you read the important documents below and save copies of them for future reference


Ready to apply?

Both the Business charge card application and the Assets and Liabilities form need to be completed in order to apply.



Important Information

Please ensure you read the important documents below and save copies of them for future reference.

Standards of Lending Practice

Download Standards of Lending Practice PDF

Business charge card Terms & Conditions

Download Business charge card Terms & Conditions PDF

Business charge card Account Charges

Download Business charge card Account Charges PDF

Guide to your new Business charge card statement design

Download Guide to your new Business charge card statement design PDF

How we use your personal information

Download How we use your personal information PDF

Card holder schedule - for adding additional cardholders

Download Card holder schedule - for adding additional cardholders PDF

Contact us

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