Corporate, Purchasing and specialist cards | Royal Bank of Scotland

Corporate, Purchasing and Specialist cards

Flexible card options to help you manage your expenditure.


All products are charge cards, so you settle your bill in full each month. Terms and conditions apply. Subject to status, for business use only: limited companies or other corporate bodies, UK public sector organisations, partnerships of four or more partners, or charities without individuals as trustees.


Your organisation must be registered in the UK and have an annual turnover of £2M or above (turnover restriction does not apply to Public Sector Card Solution applications).



A2B e-Marketplace

Approval2Buy improves corporate purchasing by enhancing global controls and increasing transaction security.

Using an integrated pre-approval process and secure virtual card numbers, Approval2Buy allows you to expand your card programme, while maintaining the highest levels of control over spending and reconciliation.

More about Approval2Buy™

Why choose Approval2Buy?

  • Greater control - Real time pre-authorisation and transaction controls help you manage supplier charges and individual employee spend - improving your control and enhancing data capture.
  • Improved flexibility and security - Each Virtual Card Number (VCN) lets you customise things like spending limit, expiry date and the supplier where the card can be used. When a VCN is used to make a purchase, Approval2Buy identifies the number and checks the transaction matches the original request. If it doesn't, the transaction is declined.
  • Enhanced data analysis and management - Smart Data OnLine is a web-based management information tool that lets you organise, analyse and manage your expenditure.
  • Improved reconciliation - Approval2Buy provides unique transaction numbers and allows you to attach up to forty fields of additional, non-transactional data to each transaction. Using information like employee ID, cost centre, project code and cost allocation, you can streamline your internal reporting and reconciliation process – and increase the quality of your management information.
  • Save time and reduce errors - The (VCN) lets you automatically record, track and reconcile every transaction – freeing up staff time and minimising the need to write off purchases. The improved control also reduces the need to audit retrospectively.

  • Visit for more information and demonstration. 

To find out how Approval2Buy could benefit your organisation, contact your relationship manager, or call us on freephone 0808 10 10 900.

Approval2Buy eMarketplace - public sector

Can be used as a standalone solution or be integrated into your organisation’s procurement system.

Enables you to:

  • Introduce process efficiencies
  • Reduce accruals
  • Make payments more promptly
  • Make significant procurement savings without reducing control
  • Provide an easily accessible audit trail

The system delivers procurement efficiencies with purchasing compliance, audit control and a high level of management information reporting. It’s fast, free and easy to register, and the whole process is electronic, fully transparent and designed for maximum efficiency, whilst improving control.

Lodge and onecard Lodge accounts

Onecard Lodge


For use on scheduled airline bookings only

  • Information capture - view transactions daily, making it simple to monitor, manage and report on spend.
  • Advanced reporting - using our web-based management information tool, Smart Data OnLine (SDOL).
  • Standard reports - comprehensive information lets you monitor spend and assist with supplier negotiations.
  • Customised reporting - create your own reports for ad hoc queries or to load into your general ledger or ERP system.
  • Interest free - up to 56 days' interest-free credit.
  • Travel policy compliance - detailed reporting makes it easier to monitor travel expenditure.

Enhanced onecard Lodge


For travellers and their companies - low cost carrier, hotel, rail and hire bookings.

  • Supports scheduled and low cost carriers, hotels, rail and car hire.
  • Uses RBS Approval2Buy - a payment solution that generates unique Virtual Card Numbers (VCN) specific to each transaction.
  • Integrates into most travel industry reservation systems including Sabre, Amadeus, Late Rooms and Premier Inns.
  • Allows simplified and prompt implementations with over 40 Travel Management Companies (TMC).
  • Works with Travel booking and Traveller Profile data consolidated into the Smart Data OnLine (SDOL) system for reporting and expense management.
  • Provides enhanced MI to improve negotiations with all travel suppliers.
  • Improves data matching leading to reduced administration cost and improved reconciliation.
  • Ensures staff comply with corporate travel policy to drive savings with preferred suppliers.

Travel agents and travel management companies can use onecard Lodge to pay for travel on behalf of their customers e.g. airlines, hotels:


  • Direct integration into popular travel industry reservation systems.
  • Improved cash flow from extended payment terms.
  • Improved reconciliation, reducing the need for paperwork.
  • Automation of billing back to customers supported.

Forms and guides - all cards

Get in touch Contact us
Don't yet have an account?

To discuss your unique banking needs please call our business hotline on:

  • 0800 073 2257
  • Minicom 0800 404 6160
  • Mon to Fri 9am-5.30pm (excl. public holidays)
  • Calls may be recorded
Already have an account

If you have any questions, please contact your Royal Bank of Scotland relationship manager, or contact us on 0345 9000 652 between 8am and 5.30pm, Monday to Friday.

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