Control purchases and manage expenses

Simplify payments and control spending

The adaptable RBS International OneCard is welcomed by millions of outlets worldwide and can be used for both business procurement, travel & entertainment spending.

  • £45 annual fee per cardholder
  • Control purchases and manage expenses 
  • You can either give employees their own card or use the hosted OneCard option, where details are lodged with specific suppliers and all spend goes against one card number.

OneCard fact sheet

Read or download our fact sheet to help you decide if OneCard is the right solution for your business.

OneCard features


Control and visibility with our mobile app

ClearSpend is a free web & mobile app that gives RBS International OneCard customers complete control of their account in real-time.

Track and report expenditure

Monitor spending and create reports with Smart Data Online, OneCard's electronic reporting tool.

Consolidated and centralised billing

All card spend is consolidated and  centralized to a single monthly statement settled in one amount by your business.


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.

Effortless VAT reclaims

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

Protection with OneCard

RBS International OneCard is offered with free Chubb Travel Accident insurance and Corporate Liability Waiver insurance. 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.

Interest rates and fees

How applying for OneCard works

  1. 01

    Meet relationship director

    We'll assess your needs and explain the options available.

  2. 02


    We'll obtain any necessary extra information and submit your application to our credit team for review.

  3. 03


    Your Relationship Director will discuss the outcome of your application and agree terms with you.

  4. 04

    Cards in hand

    Finally your application will be processed and your cards will be ordered.

Information Message

Existing customer?

Useful contacts and helplines

OneCard Helpdesk

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

OneCard Helpdesk lines are open Monday to Friday, 9am-5pm (excluding bank holidays). Calls may be recorded.

Fraud Helpline

Call: 0345 300 4350
From abroad: +44 1268 508020

Apply for OneCard

Before you start an application, please answer a few initial questions so we can connect you with the most appropriate team to help you apply.

Do you bank with us?
Please choose an option below to continue

Talk to us about becoming a customer

We will work in partnership with you to understand your needs and select products and services for your specific requirements. 

To get started please contact your local office, full contact information can be found on our Contact us page. A member of our dedicated relationship team will guide you through the process of becoming a customer and opening a OneCard account.

Do you have a relationship director?

Start your OneCard application

Before starting your application you might find it helpful to speak to your relationship director. You can discuss the options available to you and they can answer any questions you have.

When you are ready to apply, please complete the OneCard application form and return it to your relationship director.

You can find OneCard Terms and Conditions here.

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

Contact our dedicated relationship team

If you don't have a relationship director, please contact your local office, full contact information can be found on our Contact us page. A member of our dedicated relationship team will put you in touch with the most appropriate team to help you. 

 Contact our dedicated service team

Please email our dedicated service team, where a member of the team will put you in touch with your relationship director. 

Apply for an additional card

Please complete the cardholder application form and return it to your relationship director.