The Co-operative Bank’s Business Charge Card offers the flexibility you need to forecast and manage your day-to-day business expenses.
Find out how to apply for a Business Charge Card.
If you do not yet have a Co-operative Bank business current account, we will help you open one if your lending application is successful.
The Business Charge Card is available for business use only.
Please note: Currently this card is not offered to sole traders, partnerships with two or three partners or unincorporated organisations.
Free for the first 6 months, then £2 per card per month
Up to 48 days, as long as the full outstanding balance is paid monthly by Direct Debit
Cash withdrawal fee
2% of the value of the transaction (minimum charge of £1.50)
Ordering a copy statement
£8 per copy
Ordering a copy of sales purchase voucher
£12 per copy
Late payment fee
If your payment is received after the due date, we will charge debit interest on the unpaid balance.
Interest is charged at 2% above the Bank of England base rate.
Discussed upon application
To apply for the Business Charge Card, you’ll need:
Read the following important documents and save copies for your future reference:
Use the information gathered in Step 1 to complete the following forms and send them to us at the postal address given below:
To apply by email, please send your application to:
This email address is for receiving lending requests only. We will not be able to respond to any emails received that do not contain a lending request.
Apply by post
The Co-operative Bank
P.O. Box 200
This usually takes about 20 to 60 minutes. You may find it helpful to gather the information listed under ‘What you’ll need to apply’ before you start filling out the form.
We aim to get in touch with you within 2 business days of you sending us your completed forms. We might ask you for some additional information at this stage.
We aim to give you a decision within 10 business days of your full application being received. Occasionally, we may require additional information depending on your circumstances.
Spread the cost of purchases over time
Optimise cash flow and borrow money short term
Get support if you’re planning to grow your business or purchase your first commercial premises