Business Debit Card

What is a debit card?

A debit card is a cash-free way of making payments, with the money deducted directly from your current account.

Ideal for paying for day-to-day expenses
Accepted worldwide, wherever you see the Mastercard logo
Gives you access to cash and the ability to pay for goods and services in-store and online
Withdraw up to £1,500 per day from cash machines (across all cardholders on an account)

How do I activate my debit card?

To activate your debit card, simply use it to make a payment or withdraw cash from a cash machine. If you're an existing customer, remember to destroy your old debit card once the replacement is activated.

Make sure to check that your card details are up-to-date for any website that you use reguarly to pay for goods or services. Don't forget about subcriptions and recurring payments.

What is the security code on my debit card?

My debit card is about to expire. What should I do?

Your debit card will expire on the last day of the month / year printed on the front of your card. This is formatted as 'Expires End MM/YY'.

We'll send you a new debit card one in the post at least one week before your current card is due to expire. When you receive your new debit card you should securely destroy your old one.

Can I use Apple Pay and Google Pay with my business debit card?

Common questions

More about managing your debit card, using your card abroad and reporting fraud or a scam.

I've misplaced my debit card. Can I temporarily freeze my card?

What payment controls are available on my debit card?

Using our mobile app, you have access to a range of payment controls to stop your card making certain types of payments:

Contactless
Online and telephone payments
Gambling
International debit card payments
Chip and PIN transactions

You can instantly switch these back off at any time in the app.

More details on freezing debit card transactions

How much does it cost to use my debit card abroad?

We charge a Foreign Purchase Fee of 2.75% of the value of the transaction if you:

make a debit card payment in a foreign currency
make a payment in pounds outside the UK, Channel Islands, Isle of Man or Gibraltar

The fee is a percentage of the Sterling transaction amount, minimum £1.

Use our debit card currency calculator to get an idea of how much a purchase or cash withdrawal might cost.

Use our debit card currency calculator

Should I let you know if I'll be using my debit card abroad?

To reduce the chance of your transactions being blocked, remember to register your travel plans with us before travelling.

How to register your travel plans with us

Letting us know about your travel plans in advance will reduce the likelihood of your transactions being blocked.

All you need to do is log in to the mobile app then:

select the account which has the debit card
choose 'Manage my card'
select 'Going Abroad'
follow the on screen instructions

You will be able to create one Travel Plan at a time by choosing 'Add Country', for a maximum period of 90 days, including up to 7 countries. Each country will need to be registered individually e.g.

Destination 1 - Germany, entry 27/08/20XX, exit 10/09/20XX
Destination 2 - France, entry 11/09/20XX, exit 16/09/20XX (etc)

Please check that the Travel Plan:

does not have overlaps or gaps between destination dates
is no longer than 90 days in duration

The Travel Plan will apply to debit cards only attached to accounts managed via mobile banking.

More about the mobile app

App available to customers aged 11+ with compatible iOS and Android devices and an Isle of Man, UK or international mobile number in specific countries.

How do I let you know if my debit card is lost or stolen?

If you've lost your debit card or you think it's been stolen, it's important to let us know as soon as you can.

01624 637699

From abroad: +44 (0) 1624 637699

Relay UK: 18001 01624 637699

Lines are open Monday to Tuesday 9am - 5pm, Wednesday 10am - 5pm and Thursday to Friday 9am - 5pm (except public holidays). Calls may be recorded.

Outside these hours please call 0800 032 5963 or +44 (0) 131 339 7609 from abroad.

Rebates with Mastercard® Business Savings

Get rebates on a range of everyday business expenses with Mastercard Business Savings.

Simply use your Isle of Man Bank business debit card on qualified purchases at any participating merchant. Your rebates will be applied to your business bank account in 3-5 days.

Visit the Mastercard Business Savings website to check out the available offers and participating merchants.

Restrictions apply. Participating merchants and cashback offers subject to change. Mastercard® Business Savings Programme Terms and Conditions can be found on the Mastercard® website.