Cookies on the RBS International website Close

Privacy Statement: How we use cookies
Cookies are very small text files that are stored on your computer when you visit some websites.

We use cookies to help provide you with the best possible online experience. By using this site, you agree that we may store and access cookies on your device. For more information on cookies and how we use them, please visit our website.

Corporate OneCard

Control business purchases and manage your expenses

Combine your travel, entertainment and general business expenses with the online tools you need to manage your card payments efficiently. Whatever the size of your business, OneCard gives you the flexibility to control purchases and manage expenses for an annual fee of 45 per card.

Why choose OneCard?

  • Reduce expenses admin - OneCard eliminates the need for you to process employee expenses - and stops your staff having to wait on their business expenses being reimbursed.
  • Online cardholder management - Cardholders can manage their OneCard securely and simply with Cards Online. Access transaction information, balances and credit limits - any time, from anywhere.
  • Easier VAT reclaims - Using OneCard at any Mastercard VAT-enabled UK merchant means you won't need invoices to reclaim VAT.
  • Better cash flow management - Up to 38 days' interest-free credit could help boost your cash flow - and give you greater flexibility.
  • Track and report business expenditure - With Smart Data Online, OneCard's electronic reporting tool , you are able to review and approve cardholder transactions, create spending analysis reports and data exports, and obtain HMRC approved VAT reports. You can establish individual cardholder and transaction limits and change them at any time.
  • Centralised billing - All card spend is consolidated to a single monthly statement settled in one amount by your business.


RBS International OneCard is offered with free Chubb Travel Accident insurance and Corporate Liability Waiver insurance, however you can choose to opt-out of receiving one or both of these benefits by indicating this within the application form. Please be aware there will be no discount to fees or charges as a result of choosing not to take these free benefits.

Corporate liability waiver insurance protects you against employee misuse. Get up to 1.5 million cover per year against employee card misuse. Individual cardholders are also insured up to 50,000 per year. This cover is underwritten by JLT Speciality Limited.

Pay for business travel with your OneCard and you're automatically covered for business travel accidents up to 25,000 increasing to 100,000, whilst travelling on licensed public transport or in a hire car. Get information before you travel as well as legal and medical information while abroad. Travel insurance is underwritten by Chubb European Group SE.

Terms and conditions apply.

Interest and fees

Interest rates - Fee Structure

Card TypeCharge
Monthly Interest1.6%

*Charge only applies if balance is not cleared in full by due date

Grace Period - Monthly Fees

Grace Period
Card TypeBilling Type7 days14 days21 days28 days
OneCardCentrally BilledFree0.45%*0.55%*0.70%*

*Grace Period fee is calculated monthly as this percentage of the statement balance

Annual Card Fees

Card fee45

Cash Advances

Card fee2.95% of the transaction amount (minimum 2.95). The fee will be applied on the date the transaction is debited to the Account.

Non-Sterling Transactions

Non-Sterling transaction fee2.95% of the transaction value

Payment Overdue

Administration fee12


Electronic transaction file feed (optional)Set up fee 665 Monthly fee 70
Change of organisation name5 per card
Duplicate card receipt (sales voucher) UK5
Duplicate card receipt (sales voucher) abroad10
Duplicate statements per sheet1 (max 40)
Emergency card replacement overseas75 (Not applicable to Virtual account)

Apply now

To apply for OneCard, please complete the application form and return it to your Relationship Manager:

If you need more than 3 account holders, please also complete and return the cardholder schedule.

If you have any questions, please contact your Relationship Manager.

Don't have an account with RBS International?

Please contact your local office to discuss your banking requirements.