Manage your account

Manage your
Business Debit card

Hassle free banking with your Business Debit card

Your Business Debit card is great for everyday purchases. It’s designed for you regardless of the size of your business and can help reduce the administration involved in reconciling cash and personal card expenses. That way it’s easier to keep track of all your business spending.

Business Debit card benefits

Withdraw cash

Free cash withdrawals

Withdraw up to £1,500 per day from UK cash machines.

Withdrawing cash free of charge

You can withdraw cash free of charge at any cash machine where you see the Visa sign. Other companies may charge a fee. The daily limit for cash machine withdrawals is £1,500.

If you want to withdraw more than £1,500, you can visit one of our branches. Your card can be used at any Royal Bank of Scotland or NatWest branch teller for cash withdrawals up to the available funds in the account. You can also withdraw up to £500 per day at Post Office counters.

Emergency Cash

Don't panic, we've got you covered with emergency access to your cash. Limits apply.

Access up to £300

If your card is lost or stolen, we'll give you a code to withdraw up to £300 of your money from any Royal Bank of Scotland, NatWest or Ulster Bank cash machine in the UK or Ireland.

Withdraw up to £300 if you're an internet or telephone banking customer, or up to £60 if you're not. You'll need to have enough money in your account and a minimum of £25 available in your account.

Find your nearest branch

Use the branch locator to find your nearest NatWest cash machine.

Branch locator

Use the branch locator to find your local branch. The branch locator tool gives you information on opening times, branch facilities, and if required, directions from your current location.

Find you nearest branch.

Secure payments

Contactless payments

Make payments quick and simple with contactless technology.

Contactless technology as standard

All our standard Business Debit cards come with contactless technology, allowing you to make a secure payment in less than a second.

You can buy anything up to a value of £30 by touching your card on a reader, anywhere you see the contactless symbol.

Secure payments

All transactions are protected to keep you and your money safe.

Safe and simple banking

All your payments, including contactless, are processed using the same Visa payment technology we use to process chip and PIN payments.

You may occasionally be asked to enter your PIN as an extra precaution to protect your account. Contactless cards also use advanced security features that are independently approved by the payment card industry.

Going abroad

Using your card overseas

Be in the know with our foreign transaction fees.

Buying goods abroad

Any transaction made in a foreign currency using your Business Debit card is converted by us into Sterling using the Visa Payment Scheme Exchange Rate.

To see the up-to-date rates visit and click on the Cardholders section. 

Whenever you make a purchase we’ll charge you a 2.75% Foreign Purchase Fee.

24/7 Support

Whatever happens, we're here to help keep your holiday on track.

We're here if you need us

If your card is lost or stolen, don't worry. Call our 24-hour support team and we can arrange some Emergency Cash for you. Limits apply.

UK: 0370 600 0459 (24 hours)
Overseas: +44 1268 500 813
Minicom: 0800 917 0526

Lost, stolen or damaged

If your card has been lost, stolen or damaged, please use the correct form to let us know about it. We'll issue a new card and make sure the old card is cancelled.

Lost or stolen

Let us know if your card has been lost or stolen.

Fill in the form below. We'll cancel your old card and send out a new one in 3-5 working days.


Get in touch to replace a damaged card.

Complete the form below to order a brand new debit card. We'll cancel the old one for you at the same time.

Request a PIN reminder

Forgotten your PIN? Don't worry, we can help.

It happens to all of us. To get a PIN reminder simply fill in the form below and we'll send that out to you.

Rates & charges

Sterling withdrawals

It's free to withdraw sterling from any Royal Bank of Scotland branch in the UK, Channel Islands, Isle of Man or Gibraltar.

Foreign currency

We will charge a 2% Foreign Cash Fee and a Non-Sterling Transaction Fee of 2.75% of the value of the transaction.

Purchases abroad

Purchases made outside the UK or in any foreign currency will incur a 2.75% Foreign Purchase Fee

Frequently asked questions

If you have not yet ordered a card-reader or your card-reader is lost, damaged or out of battery power, you can order a new one online.  

Log in to your Digital Banking and select 'Order a card-reader' from the Security section. A replacement will arrive within 5-7 working days.

The use of business debit and credit cards is not currently supported when making payments using Apple Pay.

To find out more about Apple Pay, you can visit the Apple website (opens in a new window).

If you have entered the wrong PIN too many times at a cash machine, you cannot use the card at any other cash machine or point of sale retailers.

The card will also not work for purchases made over the telephone and online. For instructions on how to unblock your PIN, visit our dedicated Support centre page.

f you have had a transaction with your debit card declined, please check the following:

  • Check the expiry date of your card. Is it still valid?
  • Check what methods of payment are accepted by the company you are paying. Do they accept Visa?
  • Check the available balance of the account your card is linked to. Are there enough available funds?


If you have ruled out these three possibilities, get in touch with us so we can assist you further. You can reach us 24 hours a day on 0345 600 2230.

Yes you can. Log in to Digital Banking and select 'Cards' from the main menu.

From the 'Debit cards' section click on 'Activate a new debit card', and follow the on screen instructions.

If you are receiving a replacement card, this type of card does not require activation.

Can we help with something else?

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