Save time.
Get a clear picture
of your team’s expenses

Simplify payments, control spending and ease cashflow

OneCard is ideal if you have multiple employees in your business who make business purchases but need flexibility to control purchases and expenses

ClearSpend, a free app that gives you complete control of your account in real-time – view all cardholder transactions, set credit limits and block and enable cards

£45 annual fee per cardholder

Use for business procurement, travel & entertainment spending

You can either give employees their own card or use the hosted onecard option, where details are lodged with specific suppliers and all spend goes against one card number

Easier VAT reclaims as you won’t need invoices to reclaim VAT

Available to Limited companies, Limited liability partnerships, Partnerships (of 4 or more partners) and Charitable incorporated organisations and under the Public Sector Card (PSC) framework agreement.

This card in detail...


Manage your spending with ClearSpend

ClearSpend is a new, convenient, free mobile application available on iOS and Android.

ClearSpend in detail

ClearSpend provides you with control and visibility of card transactions, so you can feel comfortable issuing cards to employees and see precisely how money is being spent.

Find out more about ClearSpend

Smart Data Online

Set up reports to help you check and analyse business spending.

Smart Data in detail

Set up spending alerts that warn you when you’re near your credit limit

Build and run reports which can be integrated with accountancy software

View 24 months of transactions online

Peace of mind – our Business credit card is covered when you sign up for NatWest

Secure giving you protection against fraud when making online purchases

Find out more about Smart Data Online


Your OneCard comes with corporate liability waiver insurance to protect you against employee misuse.

Protection in detail

Get up to £1.5 million cover per year against employee card misuse. Individual cardholders are also insured up to £50,000 per year. This cover is underwritten by JLT Speciality Limited. 

Pay for business travel with your onecard and you’re automatically covered for business travel accidents up to £25,000 increasing to £100,000, whilst travelling on licensed public transport or in a hire car. Travel insurance is underwritten by Chubb European Group SE.


Reduce admin time and costs

Replace payment methods with per transaction charges and eliminate the need for you to process employee expenses.

More control

Set monthly and single transaction limits and merchant blocking restrictions.

Tailor to your expense policy

Use Smart Data OnLine (SDOL), our market leading expense management software

More information

Interest and fees

Foreign card transactions (including purchases of foreign currency and travellers' cheques) will be converted into Sterling using the MasterCard Payment Scheme Exchange Rate as applicable at the date of the debit. This rate may not be the same as the rate that applied on the date the transaction was made, if the payment is processed by MasterCard after that date. To see the up-to-date rates used please visit

Useful info about OneCard

You’ll need to have information about:

Programme administrator

Authorised signatories (maximum 2)

Cardholders, including personal information such full name, date of birth and residential address

Your business account number and sort code

You can add as many cardholders as required when you open your account.

You can also add additional cards once your account has been opened.  Simply complete the additional cardholder application form

Yes you do. Our onecard is only available to existing NatWest business customers. If you want to become a business customer tale a look at our business current accounts

I want to apply

Please note that you can only apply for a onecard if you represent a:

UK registered company

A limited company or other corporate body, or

UK public sector organisation, or

A Partnership of four or more partners, or

Charity without individuals as trustees

Great, thanks for choosing our Business Plus credit card. Let’s get started. Are you a…

The OneCard is for our business bank account customers. If you want to become a RBS customer, please check out our business bank accounts.

What is your annual turnover?

The OneCard is available to businesses with a turnover of £2 million or more. If you are interested in our business cards, why not check out what's available below.

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