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

Simplify payments, control spending and ease cashflow

onecard could be 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

warning Message
Apple Pay icon and Google Pay icon.

Use Apple Pay and Google Pay™

Apple Pay

Now more than ever, you should consider using Apple Pay to pay with your business debit and credit card. It’s contactless, safe and easy. And it keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need.

Google Pay™

Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals.

Apple Pay and Google Pay™ available on selected Apple and Android devices. Retailer limits may apply.

This card in detail...


Manage your spending with ClearSpend

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

Smart Data Online

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


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


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, normally when you make the transaction. The rate may change at any time and without notice - to see the up-to-date rates used please visit the 'Mastercard Currency Converter Calculator'.

Useful info about onecard

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

Standards of Lending Practice

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us.

More details can be found on our Standards of Lending Practice for Business Customers page.

Ready to apply?

Great, thanks for choosing our onecard...

Are you a new or existing customer?

To discuss your unique banking needs, please call our business hotline

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.

Thanks! Looks like you’re all set and ready to begin

You can download the complete cardholder application form

To add cardholders to your onecard, please complete the digital form: 

Open digital form

Are you an existing customer?

For support on managing your cards including adding a cardholder, resetting your PIN, and reporting whether your card has been lost or stolen. Find out all you need to know on how to manage your Royal Bank of Scotland cards.

Manage your cards

Something else we can help you with?