onecard | Royal Bank of Scotland


Save time on expense claims and get a clear picture of your team’s expenses.

Security may be required. Product fees may apply. Over 18s only.
Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Eligibility criteria

To be eligible your business must;

  • Hold RBS Business Account
  • Be registered in the UK
  • Have an annual turnover of £2M or above
  • Be 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
Apply now

We will contact your Relationship Manager to finalise your application prior to issuing your cards.

Why choose onecard?

Combine your travel, entertainment and general business expenses with the online tools you need to manage your card payments efficiently. Whatever the size of your business, onecard gives you the flexibility to control purchases and manage expenses for an annual fee of £45 per card.

A simple way to track and report business expenditure

with Smart Data Online, onecard’s electronic reporting tool , you are able to review and approve cardholder transactions, create spending analysis reports and data exports, and obtain HMRC approved VAT reports. You can establish individual cardholder and transaction limits and change them at any time.

Royal Bank of Scotland ClearSpend

A free web and mobile app that gives Commercial Cards customers complete control of their account in real-time and lets employees check their balance on the go. ClearSpend is a UK banking industry first, and works across all the major platforms, whether that’s Android, iOS or through your web browser.

Easier VAT reclaims

Using onecard at any MasterCard VAT-enabled UK merchant means you won’t need invoices to reclaim VAT.

Better cash flow management

Up to 38 days’ interest-free credit could help boost your cash flow – and give you greater flexibility.

Reduce expenses admin

onecard eliminates the need for you to process employee expenses – and stops your staff having to wait on their business expenses being reimbursed.

Centralised billing

All card spend is consolidated to a single monthly statement settled in one amount by your business.



Interest & fees

Interest rate


Type of fees Amount

Monthly interest


Charge only applies if balance is not cleared in full by due date.


Grace period


Billing type 7 days 14 days 21 days 28 days

Charge card (centrally billed)





Grace Period fee is calculated monthly as this percentage of the statement balance. 


 Service fees


Type of fees Amount

*Annual card fee

onecard: £45

*Cash advances fee

2.95% of the transaction amount (minimum £2.95)

The fee will be applied on the date that the transaction is debited to the account

Non-sterling transaction fee

2.95% of the transaction value

Electronic transaction file set up fee


Electronic transaction file monthly fee 


Change of business name

£5 per card

Duplicate card receipt (sales voucher) UK


Duplicate card receipt (sales voucher) abroad


*Emergency card replacement overseas


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.



* Not applicable to lodge account or virtual account.

Add your signposting title here… Factsheet

The adaptable onecard is welcomed by millions of outlets worldwide and can be used for both 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.



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

Terms and conditions apply.

Get in touch

Existing customers


onecard helpline (Mon-Fri 8am-6pm; Sat 9am-1pm. 24hr automated system is available for balance, credit limit and transaction enquiries.)

In the UK: 0370 010 1152
Outside the UK: +44 1268 508019
Minicom: 0370 154 1192

  • For emergency card replacement and cash advance whilst abroad, please contact MasterCard emergency services. If you encounter a fraud security check, please call our helpline:

Tel: 0345 300 4350 (24hrs)
Tel: +44 1268 508020 (24hrs) 

If you have any questions, please contact your NatWest relationship manager, or contact us on:

0345 9000 652

Mon to Fri 9am-5.30pm (excl. public holidays)
Calls may be recorded. 

Ready to apply?
Don’t yet have a RBS account?

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

0800 529 8062
0800 404 6160

Mon to Fri 9am-5.30pm (excl. public holidays)
Calls may be recorded. 

Already have a RBS 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.

Not eligible for onecard?

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