OneCard | RBS International


Control business purchases and manage your expenses

Apply for OneCard Contact the OneCard helpline
OneCard helpline How to contact us

If you have any queries regarding OneCard please contact the helpline.

OneCard helpline
0345 877 8113
From abroad: +44 20 3126 4846
Minicom: 0800 404 6160

Lines open Monday to Friday 8am - 6pm; Saturday 9am - 1pm. Calls may be recorded.

Why choose OneCard?

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.

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.

Better cash flow management
Up to 38 days' interest-free credit could help boost your cash flow - and give you greater flexibility.

Easier VAT reclaims
Using OneCard at any Mastercard VAT-enabled UK merchant means you won't need invoices to reclaim VAT.

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.

Useful information

Forms and guides
Forms and guidance to help you set up and manage your OneCard

Managing your card

OneCard Application Form

To open a RBS International OneCard card account and request cards for up to 3 cardholders.

Cardholder application schedule

To add 4 or more cardholders.

Cardholder Application Form

To add an additional cardholder.

Additional Billing Unit Form

To open an additional billing unit for your existing card programme.

Instruction to pay by Direct Debit

Pay your monthly statement direct from your business bank account.

Amendment Form

Make changes to your card account such as changing authorised contacts, block spending by merchant category groups, or amend a card limit.

OneCard Additional Features Form

To be completed in conjunction with a new account application form or new/existing billing unit.

Terms and conditions, insurance policies and factsheet

OneCard Terms and Conditions

RBS International OneCard Terms and Conditions.

OneCard Your Insurance Policies

This leaflet explains the details of the Insurance Policies.

OneCard Fact Sheet

An overview of the benefits of OneCard and details of how we will work with you.

Interest rates and fees
Details of the interest rates and fees applied to OneCard

Interest rate


Type of fee


Monthly interest


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

Grace period


Billing Type

7 days

14 days

21 days

28 days

Centrally Billed





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

Service fees


Type of fee


Annual card fee


Cash advances fee

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

Non-Sterling transaction fee

2.95% of the transaction value

Payment overdue (Administration fee)


Electronic transaction file feed (optional)

Set up fee £665 Monthly fee £70

Change of organisation name

£5 per card

Duplicate card receipt (sales voucher) UK


Duplicate card receipt (sales voucher) abroad


Duplicate statements per sheet

£1 (max £40)

Emergency card replacement overseas

£75 (Not applicable to Virtual account)

OneCard contacts
Including contact details for our customer services and helpdesk

OneCard helpline
0345 877 8113
From abroad: +44 20 3126 4846
Minicom: 0800 404 6160


Lines open Monday to Friday 8am - 6pm; Saturday 9am - 1pm


OneCard customer services
The Royal Bank of Scotland
Commercial Card Division
Cards Customer Services
PO Box 5747

Lost or stolen cards
0370 6000 459
From abroad: +44 1268 500 813
Minicom: 0800 404 6160

Fraud helpdesk
0345 300 4350
From abroad: +44 1268 508020

Chubb (Claims Department)
0345 841 0059
From abroad: +44 141 285 2999
Facsimile: +44 141 285 2901

Jardine Lloyd Thompson Limited (Claims)
Jardine Lloyd Thompson Limited
6 Crutched Friars
0207 528 4642

Emergency card replacement and cash advance
For emergency card replacement and cash advance whilst abroad, please contact Mastercard emergency services.

Call charges from residential lines, business lines and mobiles vary and depend on your telephone operator's tariffs. Calls may be recorded.

Protection with OneCard

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.

OneCard Insurance Policies
OneCard Ready to apply?

If you are an existing RBS International customer, please complete the application form and return it to your Relationship Manager.

OneCard application form

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

Cardholder schedule

If you have any questions, please contact your Relationship Manager or call the OneCard helpline on 0345 877 8113 between 8am and 5.30pm, Monday to Friday; 9am - 1pm Saturday. 

Don't have an account with RBS International?

To discuss your banking requirements, please contact your local branch.

Set Tab for lightbox