Business Card
Stay in control of business expenses
An easy and secure way to take care of business expenses worldwide. The Business Card from Yorkshire Bank is an effective and flexible way to manage your cash, control your business outgoings and minimise bank charges.
- Simple, secure and convenient way to pay
- Interest-free when you settle your account in full each month
- Option to have multiple cards for staff
To find out more:
- Call into your nearest branch or call 0845 606 4477
- If you’re an existing Business customer, contact your Business Manager
- Existing Business Direct customers, call 0845 606 4477
More Benefits
- Accepted at over 29 million outlets worldwide
- Convenient repayment methods
- Set expenditure limits for each user
- Optional card registration scheme and cardholder protection plan
Further Features
- Maximum 56 days interest free for purchases if you pay your balance in full and on time. There is no interest free period on cash advances
- Withdraw up to £200 per day from any ATM worldwide displaying the Visa symbol subject to available funds
- Withdraw cash, up to your credit limit, over the counter at any bank worldwide displaying the Visa symbol
Complementary Solutions
- Financial Planning
Important Information
SUMMARY BOX - Yorkshire Bank Business Card
The information contained in the table below summarises key product features and is not intended to replace any terms and conditions.
Typical 26 % APR
| Other Interest Rates | Monthly Rate | Annual Rate | EAR† | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Purchases | 1.73% | 20.76% | 22.9% | |||||||||
| Cash Advances | 1.73% | 20.76% | 22.9% | |||||||||
| Interest-Free Period | Maximum 56 days for purchases if you pay your balance in full and on time. There is no interest free period on cash advances.
|
|||||||||||
| Allocation of Payments | We will apply payments you make to your account to pay off interest, any fees or charges and insurance premiums. Then we will pay off your balances in the following order: - Cash advances then purchases - where arrears have been outstanding for more than one month - Cash advances then purchases - for more recent balances For each category we will pay off balances on which we charge higher rates of interest before those on which we charge lower rates of interest |
|||||||||||
| Amount of Credit | Minimum credit limit of £500, maximum credit limit subject to status. | |||||||||||
| Minimum Repayment | The full amount shown on your monthly statement must be repaid. | |||||||||||
| Fees | Annual fee = £20 per annum per card issued. | |||||||||||
| Charges | Administration fee for returned cheques or Direct Debits – NO CHARGE. Cash advances – 3% (minimum £3.00.) Copies of statements – £5. Copies of vouchers – £5. Overseas transactions – 2.95% (including purchases of foreign currency and travellers’ cheques). |
|||||||||||
| Default Charges | Late payment fee – NO CHARGE. Over credit limit fee – NO CHARGE. The interest rate charged on any outstanding balances remaining after the payment due date is 22.9% EAR†. Interest on purchases should be charged from the transaction date until the statement date. |
|||||||||||
† EAR (Effective Annual Rate) - The Effective Annual Rate is used to express the cost of borrowing on current accounts. The EAR takes account of the interest rate charged, the frequency it is levied to accounts and compounding of interest, it does not include overdraft fees. Information correct as at 1st October 2008.
Useful telephone numbers
Business Card Helpdesk - 0870 527 5191
Forgotten your PIN? - 0870 527 5191
Lost or stolen cards (24 hours) - 0870 516 8654
Terms and Conditions apply. All facilities are subject to status and applicants must be aged 18 or over.
Yorkshire Bank is a trading name of Clydesdale Bank PLC which is authorised and regulated by the Financial Services Authority. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority. Clydesdale Bank PLC, Registered in Scotland (No. SC001111), Registered Office: 30 St. Vincent Place, Glasgow, G1 2HL. A member of the National Australia Bank Group of companies.