Royal Bank of Scotland Business Banking | Business Debit Card

Your Royal Bank of Scotland Business Debit card offers:

• Convenience – use it to pay for goods and services on the high street, online or over the phone – wherever you see the Visa logo.
• Easier administration – save time by switching from using cash and cheques to your Business Debit card. Use Digital banking to monitor expenditure on your card, set-up, amend and make online transfers.
• Secure online transactionsregister for RBS Secure and benefit from additional security when you use your Business Debit card to pay for goods online.

Need emergency cash? Don't worry

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

• Withdraw up to £300 - of your money if you are 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.
• 24/7 support - call us any time to report your missing card and ask for your emergency cash code.
• No extra cost - we don't charge you any extra for this service.

Added security

Good News! We have enhanced our NatWest Secure service. When shopping online you will no longer need to enter a password, most transactions will simply go straight through after being checked by the bank.  For some transactions you may be asked to enter a one time passcode online which we will send to you.  You can select whether you wish this passcode to be sent to your mobile, email address or via a voicemail to your landline. NatWest Secure provides you with additional protection when shopping online at participating merchants. To ensure you can complete online purchases quickly it is essential that you keep your contact details up to date, so if verification is requested we can send you a one time passcode

Rates and charges

This section sets out our charges for the transaction types listed below. It does not reflect any charges which a third party might charge you (for example, commission rates or ATM fees).

Business Debit card charges

Transaction type Charges

Sterling cash withdrawals from any UK cash machine (ATM)

Sterling cash withdrawals from any Royal Bank of Scotland branch in the UK, the Channel Islands, Isle of Man or Gibraltar

Sterling cash withdrawals in the UK in any bank, travel agent, bureau de change or other outlet displaying the Visa logo

Purchase of foreign currency or travellers' cheques in the UK

No charge

Foreign currency withdrawal from any cash machine (ATM) in the UK

Cash withdrawals or the purchase of currency or travellers’ cheques outside the UK

We will charge a Foreign Cash Fee of 2% of the value of the transaction (minimum £2, maximum £5). We will also charge a Non-Sterling Transaction Fee of 2.75% of the value of the transaction.

If you elect for the transaction to be converted into Sterling at the point of sale or withdrawal, we will not charge a Non-Sterling Transaction Fee, however the transaction handler may charge you a separate fee.

Purchases made outside the UK (for example, purchasing goods in a shop)

Purchases made anywhere in a foreign currency (for example, online/telephone purchases made in or outside the UK).

We will charge a Foreign Purchase Fee of 2.75% of the value of the transaction (minimum £1).

See here for a comparison of using your cards abroad.

Where a charge in the table above is stated as a percentage, this is a percentage of the Sterling transaction amount.

Visa Payment Scheme Exchange Rate
Any transaction made in a foreign currency using your Debit card is converted by us into Sterling using the Visa Payment Scheme Exchange Rate. To see the up-to-date rates used for Debit cards visit and click on the Cardholders section.

How to apply

New customers

You can apply for up to four Business Debit Cards when you open an Royal Bank of Scotland current account. You’ll be asked to complete a form giving the names and addresses of the cardholders.

Existing customers

You can apply for up to four Business Debit Cards with your Royal Bank of Scotland current account. Speak to your Business Manager, or call us on the numbers below.

Get in touch Contact us
Call us

0345 6002230

0800 404 6160

Mon-Fri 8am-6pm
Sat 9am-1pm.
Call may be recorded.

Visit your nearest branch

Lost or stolen cards

Accounts in Scotland

0370 6000 459
+44 1268 500 813(Outside UK)
0370 6000 459

Accounts in England & Wales

0800 0564 386
+44 1183 732 674(Outside UK)
0800 0681 289
Lines are open 24/7

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