Commercial Cards

  • Giving you and your employees convenient and secure ways to purchase
  • Helping you to manage your business’s cashflow 
  • Supporting your business to control expenditure
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Supporting your business's spending

Commercial cards provide a secure and flexible way to manage business spending, whether you’re paying suppliers, making purchases online or travelling for work. Our cards are designed to support day‑to‑day business activity, while giving you visibility and control over how spending is managed across your organisation.

With our commercial cards, you can:

  • Make card payments in the UK and internationally, in store and online
  • View account balances, card transactions and payments in Corporate Online Banking and the Corporate Banking app
  • Control how cards are used, including setting limits and managing access
  • Choose card options to suit different business needs, from everyday spending to more structured purchasing

Choose the commercial card type that best fits how your business manages payments, expenses and purchasing.

Business Debit Card

Make payments with ease, with limit management and security features.

Learn more about the Business Debit Card
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Corporate Purchasing Card

Manage cashflow and expenditure, with an interest-free period and a range of benefits to give you control and save you time.

Learn more about the Corporate Purchasing Card
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Card protection for business purchases

If there’s an issue with a purchase made using a Handelsbanken commercial card, we recommend contacting the supplier first, as this is often the quickest way to resolve the matter.

If that doesn’t resolve the issue, we may be able to help through the card schemes chargeback process. This may apply in situations such as:

  • Goods or services not being received
  • Incorrect or duplicate charges
  • Faulty or defective goods
  • Transactions where a refund has not been received

Chargeback claims are usually subject to time limits and may require supporting evidence. Mastercard or Visa makes the final decision on whether a claim is accepted.

Chargeback is different from the protection available under Section 75 of the Consumer Credit Act, which does not apply to debit or charge cards.

Don’t recognise a transaction?

Check common reasons for unrecognised transactions first. If you believe a transaction may be fraudulent, contact us immediately so we can help protect your business account.

If you're still unsure, or you suspect it's fraud, call us immediately using the number on the back of the card to ensure you are connected to the right team.

FAQs

  • What is meant by a commercial card?

    Commercial cards are payment cards used by businesses to manage company spending. They can support different payment needs, such as everyday transactions or more structured control over business purchasing, depending on the type of card used.

  • What types of commercial cards does Handelsbanken offer?

    Handelsbanken offers two types of commercial cards: a Business Debit Card and a Corporate Purchasing Card, each designed to support different business spending needs.

  • How does the Business Debit Card work?
    The Business Debit Card allows payments to be made directly from your business account, making it suitable for everyday business spending and cash management.
  • How does the Corporate Purchasing Card work?

    A Corporate Purchasing Card is designed to help businesses manage purchasing and expenditure, with balances typically settled in full each month to support control and visibility of spending.

  • How do I choose the right commercial card for my business?

    The right card depends on how your business manages spending. Some businesses need a card for daily transactions, while others benefit from structured oversight of purchasing. Your local Handelsbanken branch can help you decide which option best suits your needs.

  • How can I manage my commercial cards?

    You can manage your Corporate Purchasing Card, including reviewing transactions, accessing account information, and controlling card usage through Commercial Cards Internet Servicing or by contacting the Lloyds Commercial Cards Helpdesk. If you have a Business Debit Card, support is also available through your local branch.

  • Can commercial cards be used outside the UK?

    Yes. Handelsbanken commercial cards can be used internationally, subject to card settings and any applicable fees.

    Find out more about using your cards outside the UK
  • What should I do if I don’t recognise a card transaction?

    If you don’t recognise a transaction, check common reasons first, as there may be a straightforward explanation. 

    If you’re still unsure or think a transaction may be fraudulent, contact us using the number on the back of your card immediately, so we can help protect your business account.