Business charge card


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.

*Cash advance fee of 2% (min £1.50) applicable on cash withdrawals. Please refer to your tariff for further information.

Apply for a business charge card

Check you're eligible

To apply, you and all key parties must:

  • be 18 years or over
  • be a UK resident
  • have authority to borrow on behalf of the business / charity
  • hold a business current account with The Co-operative Bank
  • require the lending for business use

Your application is subject to status. This means we’ll complete credit checks and an assessment of your financial circumstances.

We aim to give you a decision within 10 business days of the information being received. Occasionally, we may require additional information depending upon your circumstances.

Currently this card is not offered to sole traders, partnerships with two or three partners or unincorporated organisations.

How to apply

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

To apply, you need to complete and return:

  • the business charge card application
  • the assets and liabilities form

Download business charge card application PDF

Download assets and liabilities PDF

Important Information

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

Download standards of Lending Practice PDF

Download business charge card Terms & Conditions PDF

Download business charge card Account Charges PDF

Download guide to your new business charge card statement design PDF

Download how we use your personal information PDF

Download card holder schedule - for adding additional cardholders PDF

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