Corporate Purchasing Card

  • Clear oversight of business‑wide spending with real‑time visibility and controls
  • Reduced admin through simplified reconciliation and centralised card management
  • Up to 45 days’ interest‑free credit to support cash flow, for greater flexibility
Businessman looking out of a window

A smarter way to manage your spending

The Handelsbanken Corporate Purchasing Card is a charge card designed to simplify business spending while giving you confidence and control over how money is used across your organisation.

It helps you:

  • Maintain visibility of transactions as they happen
  • Apply flexible controls to manage employee spending
  • Reduce admin through easier reconciliation and reporting

Your team can use the card for everyday business purchases, whether online or in‑store, while you retain clear oversight of spending.

The Handelsbanken Corporate Purchasing Card is issued in conjunction with Lloyds Bank.

How can the Handelsbanken Corporate Purchasing Card help your business?

Manage your cash flow

Access up to 45 days’ interest‑free credit to help manage your cash flow more effectively. Your balance is settled in full each month by Direct Debit from your Handelsbanken Business Current Account, making payments predictable and easy to manage.

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Control your spending

Manage your cards online and monitor expenses in real time through Commercial Cards Internet Servicing.

You can set individual spending limits and apply merchant category controls to help keep employee spending within agreed boundaries. View available funds, current balances and credit limits at a glance, access statements, manage employee details and download transaction data in a range of formats.

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Supplier and operational payments

Pay suppliers and manage everyday business costs with greater flexibility.

Interest‑free credit can help support working capital and improve cash flow. You may also be able to pay suppliers earlier to take advantage of potential early payment discounts, while still benefiting from extended payment terms.

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A range of additional benefits

Your Corporate Purchasing Card also provides:

  • Travel cover, including protection for delays, lost or delayed luggage and document replacement
  • Online fraud protection
  • Employee misuse insurance for all cardholders

Make payments with Apple Pay and Google Pay

  • How to add your card to Apple Wallet
    1. Open the Apple Wallet app on your iPhone and select the + sign in the top‑right corner.
    2. Alternatively, choose Wallet & Apple Pay from the Apple Watch app, iPad settings or Mac system preferences, then select Add Card.
    3. Select Debit or credit card.
    4. Add your card by holding it near your iPhone, scanning it with your camera, or entering the details manually.
    5. Follow the on‑screen instructions to verify your card.
    6. Your card is now added to Apple Pay and ready to use.
  • How to add your card to Google Wallet
    1. Download and open the Google Wallet app on your Android device.
    2. Select Add to Google Wallet.
    3. Choose the card you want to add and follow the on‑screen instructions.
    4. Verify your card using the step‑by‑step on‑screen guidance.
    5. Your card is now added to Google Pay and ready to use.

Ready to apply?

Speak to your Corporate Banking Manager to find out more and apply.
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How much does the Handelsbanken Corporate Purchasing Card cost?

  • Element

    Cost
  • Annual card fee
    £30.00
  • Reissue fee (excluding lost, stolen, damaged or expired cards)
    £10.00
  • Using your card at an ATM
    2.50% (minimum £2.50)
  • Foreign exchange fee
    2.75%
  • Late payment fee
    £25.00

Eligibility criteria

The Handelsbanken Corporate Purchasing Card is available to limited companies and limited liability partnerships, subject to credit assessment and verification checks.

Managing your cards online

Commercial Cards Internet Servicing makes it easy to manage your card programme day to day and access the information you need, when you need it.

You can:

  • Manage multiple card programmes through a single sign on
  • Add new cardholders and update monthly spending and cash limits
  • View card programmes, cardholders and their contact details
  • View and manage authorisation settings and Merchant Category Code Groups (MCCGs)
  • View and download up to 12 months of statements

Support for existing cardholders and Programme Administrators

Access help with managing your Corporate Purchasing Card, including CCIS access, account support, statements and cardholder management.

Existing cardholders
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Related services and support

FAQs

  • What do I do if a Corporate Purchasing Card is lost or stolen?

    We partner with Lloyds Bank to provide the Corporate Purchasing Card. For queries, it will be the Lloyds team who will answer your call. 

    Tel: 0800 092 7250 

    Outside UK: +44 1908 544059

  • What is a charge card?

    A charge card allows you to make purchases up to an agreed limit and repay the balance in full each month. No interest is charged, which can provide up to 45 days’ interest free credit.

  • How does a charge card differ from a credit card?

    A charge card enables you to spend up to an agreed credit limit, then pay in full each month. While it works like a credit card, there’s no option of making a part payment. A credit card allows you to borrow and either pay back the amount later. If you fail to pay the balance in full, you’re charged interest on the amount you owe. Handelsbanken don’t offer credit cards.

  • How does a charge card differ from a debit card?

    A debit card takes payments directly from your current account balance. A charge card allows you to borrow money up to an agreed credit limit which is then repaid in full each month, offering a different way to manage spending.

  • How do I apply for the Corporate Purchasing Card?

    Contact your Corporate Banking Manager who will be able to help you get started.

  • How do I activate my Corporate Purchasing Card?

    To activate your Corporate Purchasing Card, simply make a chip and PIN transaction using the card. Once the transaction has been authorised, your card will be activated and ready to use.

  • What’s the maximum contactless card limit?

    Spend up to £100 with just a tap.

  • Can I use a Corporate Purchasing Card at an ATM in the UK? Is there a fee?

    You can use your card to withdraw cash anywhere in the world where you see the VISA or LINK logos.

    There is a £2.50 (minimum £2.50) cash advance fee for using an ATM in the UK. 

    Always check the screen when using an ATM as the operator may charge you.

  • Can I use a Corporate Purchasing Card abroad? Is there a fee?

    You can use your card to withdraw cash in the UK and anywhere in the world where you see the Visa logo.

    When you’re outside the UK, we’ll charge 2.75% of the sterling amount for any non-sterling transactions.

    Always check the screen when using an ATM as the operator may charge you.

  • How do I register for the Commercial Cards Internet Servicing?

    Select ‘Register’ on the Commercial Cards Internet Servicing home page Opens in a new window and follow the on screen instructions.

  • How do I log on to the Commercial Cards Internet Servicing?

    Video guide to log on: Logging into CCIS - Qumu Player Opens in a new window

  • What are the fees for the Corporate Purchasing Card?
    See information under 'How much does the Handelsbanken Corporate Purchasing Card cost?' on the page above.