• Card Solutions

    Streamline, reconcile and enhance control of business payments

  • Introducing our range of Commercial Card solutions.

    When you want to streamline payment processes and drive efficiencies in your organisation, our solutions can give you a range of payment options for travel, entertainment and business supplies.

    As well as optimising working capital across your business, our cards can also deliver:

    • Greater control and security over your business expenses, with online access to card spend.
    • Enhanced reconciliation and simplified expense claim processes.
    • Automated and enhanced data capture linked to your current software, producing reports tailored to your business.
    • Prompt supplier payment, opening up opportunities to discuss and improve commercial terms.
    • Euro and US Dollar billed solutions to eliminate conversion costs when transacting in those currencies.
  • The right product for your business:

    Your need Our solution How it works Payment Network  

    Paying across multiple categories – travel, entertainment and business supplies.

    Corporate MultiPay

    Corporate Multipay Card

    Cards used by employees in person, online or by phone, or embedded with key suppliers.

    Mastercard logo

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    Effective management of travel and entertainment expenses.

    Corporate Charge Card

     Corporate Charge Card

    Cards used by employees in person, online or by phone.

    Visa logo

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    Paying and reconciling high volume business supplies.

    Corporate Purchasing Card

     Corporate Purchasing Card

    Cards used to procure goods or services by employees in person, online or by phone, or embedded with key suppliers.

     Visa logo

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    Making payments to your Travel Management Company (TMC).

    Business Travel Solution

     Travel - plane - red

    Payment mechanism embedded within your TMC booking system.

    Visa logo

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    Digital payment solution for colleagues’ travel and business purchases.

    ePay Virtual

     Shopping Brown

    Unique virtual card numbers are raised for individual purchases to control usage and spending.

    Mastercard logo

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    Electronic payments to ad hoc suppliers.


     Arrow Orange

    A unique, virtual card solution allowing supplier payments to be driven directly from your Accounts Payable.

    Visa logo

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    Enquire online

  • Blue folderWorking capital

    Commercial Cards can help you optimise working capital while improving payment processes.

    • Longer payment cycles created by consolidating card purchases into a single monthly account.
    • Reduced cost of capital with up to 45 days to pay interest free on Sterling purchases.*
    • Take advantage of early payment discounts, with suppliers typically receiving payment within 4 business days while you pay later.
    • Eliminate cash advances for Travel & Entertainment purposes, with an easy to control payment method.

    Grey sheetsReporting and reconciliation efficiencies

    Our payment solutions can simplify the reconciliation process and enhance reporting efficiencies. We can provide access to web-based reporting and management information systems.

    • Tailored reports and data integrated within your current accounting and expense management software systems.
    • Efficient invoice processing from automated transaction information and coding.
    • A streamlined system removing the need to raise Purchase Orders, meaning less administration and reduced time in reconciling payments.
    • Access to spend data through one online data management system.
    • Colleagues having a simpler, quicker and more efficient way of managing expenses.
    • Customisable management systems to fit with your organisation’s specific needs.
    • Automatically generated reports and data, with online access to colleague expense information 24/7.

    Blue padlockSecurity & Control

    Our cards are designed to give you control over how and where your colleagues spend your business’ money, while allowing you to monitor and analyse colleague spend in real time.

    • Options to set colleagues’ transaction/monthly limits and spend categories.
    • Automated management information: control, manage and analyse supplier spend patterns.
    • Provides appropriate oversight to ensure colleagues’ purchasing is in line with risk and governance policies.
    • Simplified expense claim processes and added convenience for colleagues.
    • Online access to accounts.

    Green personCustomer Servicing

    Our dedicated, UK team based in Milton Keynes is here to help you when you need assistance or have any questions about your Commercial Cards programme, including our online servicing and data management systems.

    To find out how we support our customers, hear directly from Wakefield Council and TAG Aviation in our video.

    Here you can find all of our useful contact information.

    Green mouseCommercial Card Internet Servicing

    Commercial Card Internet Servicing (CCIS) is our online card management service that allows you to manage your Corporate Card Programme efficiently, giving you control of your finances 24 hours a day, 365 days a year.

    Programme Administrators can

    • Manage multiple cardholders and card programmes.
    • Gain insight into your card programme spend using reporting tools.
    • Access your monthly statements in real time.
    • View the past 12 months transactions and statements.
    • Allocate and manage credit lines and authorisation controls.
    • Register cards individually or in bulk without paper forms.
    • Design personalised cards with your corporate images and logos.
    • Access your services securely online.

    What your cardholders can do

    • Manage all their commercial cards in one place.
    • Activate their cards online.
    • View historic and real time transactions and statements.
    • Make card and PIN requests.

    * or Euro or US Dollar purchases depending upon currency of account.

  • We offer an emergency card and/or cash services to cardholders travelling overseas when a card has been lost or stolen. This service is available 24 hours a day, 365 days a year.

    Contact us
  • Document-icon

    Ensure you're up to date with our products and services' latest small print.

    Terms and conditions
  • Lloyds Bank Cardnet© helps you accept payments securely from all major cards in person, by phone or online.

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  • Here you’ll find the latest copies of our Programme Administrator Guides, Cardholder Guides, Terms and Conditions and the forms you’ll need to manage your card programme.

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  • contact icon - purple

    Should you need assistance once your programme is set up please contact the relevant team.

    Contact us

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc, Lloyds Bank Corporate Markets plc and Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH.

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is a wholly-owned subsidiary of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH has its registered office at Thurn-und-Taxis Platz 6, 60313 Frankfurt, Germany. The company is registered with the Amtsgericht Frankfurt am Main, HRB 111650. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.