BUSINESS CHARGE CARD. User Guide

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1 BUSINESS CHARGE CARD User Guide

2 Keeping control of business expenses This leaflet explains how to make the most of your Business Charge Card whether you will be using the card yourself, or managing the Charge Cards within your business. If you will be using the card yourself, please refer to section 1 Business Charge Card user. If you are responsible for the cards in your business, please refer to section 2 Business Representative. Please retain this guide for your reference.

3 Contents Business Charge Card user 1 Welcome to your Business Charge Card 1 Chip and PIN 2 Changing your PIN 2 How to use your card 3 Your spending limit 3 Renewing your card 4 Making payments abroad 4 Card Not Present transactions 5 Lloyds Bank ClickSafe secure online purchasing 5 Lost or stolen cards 6 Declined transactions 6 Stopping a card 7 Cash Withdrawals and 7 foreign exchange transactions Business Representative 8 Introduction 8 Your role as the Business Representative 9 Using the Business Charge Card 9

4 Cash Withdrawals and 10 foreign exchange transactions Statements and payments 11 Management information 12 Lost or stolen cards 12 Recurring transactions 13 (also known as continuous payments) Changing details and spending limits 14 Cards for new employees 14 Cancelling cards 14 Renewing cards 15 Lost or stolen confidential information 15 Protecting your account 15 Cancelling your 16 Business Charge Card account Our fees 16 Electronic Business Tariff 17 Customer complaints 17 Financial Ombudsman Service 18 More information and queries 18

5 Business Charge Card user Your Business Charge Card is enclosed with this User Guide. Please sign it immediately. Your Personal Identification Number (PIN) has been sent to you separately. For security reasons, if you ve not received your PIN or if the notification has been opened or tampered with, please inform your Business Representative the person responsible for administering the card in your business as soon as possible. Please memorise your four digit PIN, destroy the notification letter as soon as possible and do not keep a written record of it. Do not disclose your PIN to any other person including colleagues in your business, bank staff or the police. Only you are authorised to use the card. It is your responsibility to keep your card safe and secure. Your card will make it easier for you to make business purchases that you would normally pay for with a business cheque or your own cash, and then claim back as expenses. From the first time you use it, you ll see how convenient paying for your purchases becomes. Lloyds Bank ClickSafe provides additional security for online payments and full details can be found on page 5 of this guide. 1

6 Chip and PIN Your card includes a chip which holds your Personal Identification Number (PIN). When you use your card, you will be asked to enter your four digit PIN into a PIN pad at the till. The number you enter is matched with the one held on the chip in your card and if the match is correct the transaction will be confirmed. Customers who do not have a chip and PIN card, or make a purchase from a retailer who has not installed a PIN pad, will have their transaction authorised by signing the receipt. If you are unable to use a PIN because of a disability or a medical condition, please let us know. We will be happy to give you alternative options to ensure you can use your Business Charge Card in retail outlets. For more information on chip and PIN, go to or Changing your PIN If you prefer to choose your own PIN, you can do this at a Lloyds Bank Cashpoint machine by selecting PIN Services. Please choose a number that you will not forget but one that is difficult for others to guess. Please note: with a replacement or a reissued card, you cannot change the PIN for a period of 30 days after the card is sent to you. 2

7 How to use your card You can use it wherever you see the Visa sign, anywhere in the world. You present it at the time of payment, or quote your card number when you make a purchase over the phone or on the Internet. A transaction is authorised when you use the card or card details with the PIN or security code and any proceed key is pressed. Once the proceed key is used authorisation cannot be withdrawn. Transactions can also be authorised by signing a sales voucher. Once the sales voucher has been accepted by the retailer or the provider of the Cash Withdrawal, authorisation cannot be withdrawn. It s important to keep track of every transaction you make by holding onto all of your sales vouchers and VAT receipts. This will make it easier for your accounts department to cross-check the transactions on your monthly statement and to reclaim any tax. Each month you ll get a statement showing how much you ve spent and where you ve spent it. Your business will settle your monthly outstanding balance. All you need to do is follow your business s policy on sales vouchers and VAT receipts. Your spending limit The maximum amount you can spend each month has been agreed by your business. If you go over this amount on a purchase, the transaction could be declined, as would any further transactions. If you think you need to increase your limit, please speak to your Business Representative. 3

8 Renewing your card We will automatically issue a renewal card a few weeks before the expiry date of your current card. Once your renewal card is ready to be used, please destroy your old card by cutting off the bottom left corner through the smartcard chip. Please do not return old cards to us. If your renewal card does not arrive before your current card expires, please inform your Business Representative. Making payments abroad When you make a card purchase abroad, the retailer may ask you if you would like to pay in local currency or Sterling. If you choose Sterling, the merchant is likely to apply their own exchange rate. This may include a mark-up and may not always be a favourable rate. You may prefer to accept the transaction in local currency and let us handle the conversion for you through the Visa scheme on the day the transaction is applied to your account. 4

9 Card Not Present transactions Transactions made over the phone or the Internet are known as Card Not Present transactions, in other words, all purchases where the cardholder is not physically present to enter a PIN or sign a sales voucher. To help make these purchases as secure as possible, Visa has introduced some additional security measures. When you make a Card Not Present transaction, you ll be asked to confirm: Your full postal address as it appears on the card statement. The last three digits of the security code. This is the number printed on the back of your card in the authorised signature panel. This number changes when your card is changed for any reason, for example, on renewal. To avoid having a transaction declined, please ensure you know this information in advance. Lloyds Bank ClickSafe secure online purchasing Lloyds Bank ClickSafe (also known as Verified by Visa) will assess each transaction and either verify it automatically or, in some cases, ask you for further information to help us verify the payment. It s free and gives you added protection when you re buying at participating online sites using your Lloyds Bank Business Charge Card. For further information, please visit lloydsbank.com/business/clicksafe where you will also find our terms of use and frequently asked questions. 5

10 Lost or stolen cards If your card is lost or stolen, or if the PIN becomes known to another person, you must notify us as soon as possible: Telephone if you re in the UK, or, if you re abroad, dial the code, +44 for the UK, followed by Confirm in writing within seven days to: Business Credit and Charge Cards, Lloyds Bank, Card Operations, Pitreavie, Dunfermline, Fife KY99 4BS. If the card is found after it has been reported lost or stolen, it must not be used again. You should immediately cut off the bottom left corner through the smartcard chip and dispose of the pieces. Declined transactions If a transaction is declined at point-of-sale and you wish to know the reason, please contact Business Card Services on or (24 hour). If you re abroad call +44, for the UK, followed by Please note, we will not be liable for any loss to you as a result of any delay or if we do not allow a transaction to be made. 6

11 Stopping a card If we have to stop your card for any reason we will generally give you prior notice. Cash Withdrawals and foreign exchange transactions There is a charge for Cash Withdrawals, which is 2.5% of the transaction value (minimum 2.50). Cash withdrawals are also subject to interest charges. Please note, card transactions undertaken to obtain travellers cheques and foreign currency, as well as those associated in any way with gambling, will be treated as a Cash Withdrawal and the relevant charge will be applied (on each and every transaction). Additionally, if the card is used in a non-lloyds Bank ATM or counter, some providers may charge your business a fee for using their facilities. Transactions in a foreign currency, including Cash Withdrawals and purchases, are subject to a 2.95% non-sterling transaction fee. Sterling Cash Withdrawals from travel bureaux or other outlets providing similar services both in the UK and overseas may also be treated as a foreign exchange transaction and will be subject to a 2.95% non-sterling cash transaction fee. Please refer to Our fees section on page 16 for full details. If you need to obtain details of the reference rate used to convert transactions into Sterling, please contact Business Card Services on This rate is applied on the day the transaction is added to your account. 7

12 Business Representative The Business Charge Card is a practical, convenient and cost-effective way for staff in your business to pay for everyday expenses like stationery, petrol, hotels, car hire, train and plane tickets. A key benefit of the Business Charge Card is the control it gives over who in your business uses it and how much they re able to spend. Every month you can see how much each cardholder is spending, and on what, by checking the management information we send you. Other benefits include: Up to 36 days interest-free credit. Fewer invoices to reconcile and settle, and less need for petty cash. No second signatories required as for business cheques. You don t have to open accounts for suppliers and spend time providing trade references. If they accept Visa, and millions of outlets worldwide do, they ll accept the Business Charge Card. Administration costs can be reduced because there s no need for purchase orders or credit authorisations. The information in this brochure will give you full details of the Business Charge Card and what you, as the Business Representative, need to do to make it work efficiently and effectively in your business. Please read it carefully: it will help you when you brief cardholders and also when you need to answer any queries. 8

13 Your role as the Business Representative As the person responsible for administering the Business Charge Card in your business, you are the main point of contact for your staff and for us. Please take care of some key points immediately: Record the details of all cardholders in your business. Brief cardholders on their responsibilities regarding their Business Charge Card and the restrictions, both individual and business, that apply to its use. Make sure that all the Business Charge Cards are distributed to the appropriate cardholders and that they are signed immediately. Explain to all cardholders that you are their main contact for any questions or problems that may arise. Ensure that authorised signatories sign all forms. Using the Business Charge Card Each cardholder may only use their card for business expenses within their individual cardholder limit, set by the business. The total of all individual cardholder limits must not exceed the overall limit, which has been agreed by your business and us. If any cardholder uses their Business Charge Card to make a foreign currency transaction, the amount of the transaction will be converted and debited to their account in Sterling at the rate of exchange prevailing at the time, plus a 2.95% non-sterling transaction fee. For information on other charges please refer to page 16. 9

14 Cash Withdrawals and foreign exchange transactions There is a charge for Cash Withdrawals, which is 2.5% of the transaction value (minimum 2.50). Cash withdrawls are subject to interest charges. Card transactions undertaken to obtain travellers cheques and foreign currency as well as those associated in any way with gambling will be treated as a Cash Withdrawal and the relevant charge will be applied on each and every transaction. Additionally, if the card is used in a non-lloyds Bank ATM machine or counter, some providers may charge your business a fee for using their facilities. Transactions in a foreign currency, including Cash Withdrawals and purchases, are subject to a 2.95% non- Sterling transaction fee. Sterling Cash Withdrawals from travel bureaux or other outlets providing similar services both in the UK and overseas may also be treated as a foreign exchange transaction and will be subject to a 2.95% non-sterling cash transaction fee. Please refer to Our fees section on page 16 for full details. If you need to obtain details of the reference rate used to convert transactions into Sterling, please contact Business Card Services. This rate is applied on the day the transaction is added to your account. 10

15 Statements and payments We will send your business a statement for payment once a month with details of transactions made by each cardholder and any relevant charges. To help you reconcile your statements we include details of the date the transaction was undertaken (known as tran date ) as well as the date the transaction was applied to your Business Charge Card account ( enter date ). Not less than five business days after the date on the statement, the total (all transactions and charges) will be paid by Direct Debit from your business current account. If there are any arrears or excess over your business s total limit you will be notified, and the payment agreed. We will also send a statement for each cardholder which they can use to record and process their expenses in the normal way. If you think there is an error on your business statement, please confirm in writing, preferably within 30 days of our sending the first statement on which the error appeared. Please include: Your Business Charge Card account number. The cardholder name. The transaction date. The transaction reference number. The amount in question. Your signature. Please send any letters to: Business Credit and Charge Cards, Lloyds Bank, Card Operations, Pitreavie, Dunfermline, Fife KY99 4BS. You can also call us on to let us know you have a query. 11

16 Management information In addition to your statements, we will also send you a vendor analysis report if you have requested it. Broken down by vendor name, this monthly report lists what has been spent in the current month and in the year to date, as well as a monthly average. It could help to identify possible cost reductions, such as negotiating reduced rates with major suppliers. Lost or stolen cards If a Business Charge Card is lost or stolen, or if the PIN becomes known to another person, you or the cardholder must notify us as soon as possible: Telephone if you re in the UK, or, if you re abroad, dial the code, +44 for the UK, followed by Confirm in writing within seven days to: Business Credit and Charge Cards, Lloyds Bank, Card Operations, Pitreavie, Dunfermline, Fife KY99 4BS. Lost or stolen cards can also be reported at any of our branches. If a Business Charge Card is found after it has been reported, it must not be used. The bottom left corner should be cut off immediately through the smartcard chip and disposed of. If the business or cardholder acts fraudulently or without reasonable care, the business will be responsible for all losses arising from the use of the Business Charge Card. You can use your Business Charge Card wherever you see the Visa sign. 12

17 Unless we can show that the business or a cardholder has acted fraudulently or without all reasonable care in keeping a card or card details safe and in accordance with our security requirements, you will not have to pay anything: In respect of the use of any Business Charge Card that is lost or stolen but you must tell us as soon as you become aware of such loss or theft. In respect of the use of any Business Charge Card that is used before you receive it. In respect of the use of the Business Charge Card or the Business Charge Card details for a transaction where the cardholder does not need to be present. Recurring transactions (also known as continuous payments) There are regular payments like magazine subscriptions made by your Business Charge Card accounts that are not protected by the Direct Debit Guarantee Scheme. They can be set up by phone, letter or online. To cancel a recurring transaction, you can contact us or the retailer you re paying. If you choose to contact us, it s best to also let the retailer know as you may have an agreement with them that only you can cancel; you can also arrange an alternative payment method with them if you want to continue receiving the service they are providing. By cancelling a recurring transaction you will have withdrawn authorisation for future transactions, and we will treat any future transactions pursuant to that arrangement as unauthorised. If a payment is collected in error, please contact Business Card Services who will attempt to resolve this for you. 13

18 Changing details and spending limits Whenever you wish to change any of the existing details or apply to have your business limit increased, please contact your Lloyds Bank relationship team. Amendments to cardholders details will usually be effective within 10 business days of receiving your instruction. Any increase to a cardholder s limit must not take your business s overall total above the business limit agreed with us. If you wish to increase your business limit you should discuss this with your relationship team. Cards for new employees If you wish to apply for a Business Charge Card for someone new in your business please contact your relationship team. Should this request be approved, the new card will be sent to you, usually within two weeks. Cancelling cards When someone who has had a Business Charge Card leaves your business, please be sure to get the card back so you can cancel it. Otherwise you might be liable for the costs of unauthorised purchases. Please also ensure that you cancel any recurring transactions. Instructions on how to do this are given on page 16. Once you have the card, please cut off the bottom left corner, through the smartcard chip and dispose of it, sending written confirmation to us that the card has been destroyed. 14

19 Renewing cards We will automatically issue renewal Business Charge Cards. These cards can be used by your cardholders as soon as they receive them they don t have to wait for the expiry date of the existing card. The old card should be disposed of by cutting off the bottom left corner through the smartcard chip. Please don t return expired cards to us. If the renewal card does not arrive before your current card expires, please inform your relationship team. Lost or stolen confidential information Your post is valuable information if it gets into the wrong hands. Contact us if you don t receive a bank statement, card statement or any other financial information that you re expecting. Protecting your account Please take care when storing or getting rid of information about your accounts. People who commit fraud use many methods such as bin raiding to get this type of information. Shredding printed material is a simple way of protecting yourself. 15

20 Cancelling your Business Charge Card account If you need to cancel your Business Charge Card account, please tell your relationship team. Make no further purchases on the Business Charge Card account and dispose of all cards by cutting off the bottom left corner through the smartcard chip. Please send us written confirmation that all cards have been destroyed. All outstanding balances will be repaid as normal by Direct Debit at the next statement date. We will send you confirmation that the Business Charge Card account has been closed and arrange for a pro rata refund of the annual card fee to be passed to you. Please remember to cancel any recurring transactions that may be set up on the account directly with the retailer. Our fees For certain services, we will debit the following charges to your business account: An annual fee of 32 per Business Charge Card. Part year fees are charged at the full annual rate. Pro rata refunds of the annual card fee apply when the whole Business Charge Card account is closed. A handling charge for cash advances and ATM transactions of 2.5% of the amount of the transaction (minimum 2.50). Non-Sterling transaction fee of 2.95% on all foreign currency purchases and Cash Withdrawals. Copy of statement 6. Copy of report 15. Copy of sales voucher charge for late payment, limit exceeded and any returned payments (including cheques and Direct Debits). If you use the Business Charge Card to withdraw cash from a machine operated by another bank there may be a further handling charge. This information is correct as of September

21 Electronic Business Tariff In addition to using the Business Charge Card, if you also use Internet banking and automated payments, such as Direct Debit, you could save money by opting for our Electronic Business Tariff. For details of the Electronic Business Tariff, please contact your relationship team. Customer complaints If you are unhappy with something and would like to make a complaint you can: Make sure your usual contact at the bank knows about your complaint and tell them how you think it could be resolved. We ll make sure we respond to you, usually within five business days. Or you can call our Commercial Telephone Banking Centre on , 7am 8pm Monday to Friday, 9am 2pm Saturdays. We re closed on all UK public holidays. To call us from outside the UK call You can also contact us via Textphone on Alternatively, you can raise your complaint with Customer Services. Write to: Business Credit and Charge Cards, Lloyds Bank, Card Operations, Pitreavie, Dunfermline, Fife KY99 4BS. If you re not satisfied with our handling of your complaint, you can contact the Financial Ombudsman Service. This is a free independent resolution service for personal and micro-enterprise customers of most UK banks, building societies, insurance companies and other financial institutions. For more information, visit or contact: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9RS. 17

22 Financial Ombudsman Service Commercial customers that are micro-enterprises with a group annual turnover or balance sheet of up to 2 million (Sterling equivalent) and that have fewer than 10 staff may be eligible to take their complaint to the Financial Ombudsman Service. More information and queries If you have any queries about your role as the Business Representative, or would like more information about the services available through the Business Charge Card, please contact your relationship team or call Business Card Services on You can also write to us at: Business Credit and Charge Cards, Lloyds Bank, Card Operations, Pitreavie, Dunfermline, Fife KY99 4BS. Please quote your Business Charge Card account number and cardholder name (if applicable) when you contact us. 18

23 Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention of any member of staff. Our complaints procedures are published at lloydsbank.com/business/contactus 19

24 Contact us Go to lloydsbank.com/business Call us on am 8pm Monday to Friday (except Bank Holidays) and 9am 2pm Saturdays. Visit your local branch Please contact us if you d like this information in an alternative format such as Braille, large print or audio. If you have a hearing or speech impairment you can use Text Relay (previously Typetalk), or if you would prefer to use a Textphone, please feel free to call us on (lines open 7am 8pm Monday to Friday and 9am 2pm Saturdays). Important Information Your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no Telephone: Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Licensed under the Consumer Credit Act 1974 under licence number We subscribe to the Lending Code; copies of the Code can be obtained from Lloyds Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes eligibility criteria not all Lloyds Bank Commercial Banking customers will be covered by these schemes.) Lloyds Bank ClickSafe is a registered trademark of Lloyds Bank plc. Cashpoint is a registered trademark of Lloyds Bank plc. M835 (09/13)

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