Mastercard® Business Savings

If your Royal Bank of Scotland business credit or charge card starts with '547356' or your Business debit card starts with '537315', then your card is eligible for Mastercard Business Savings.

No, there is no requirement to enrol your card. This benefit is provided automatically. However, if you wish to remove your card from the programme, please contact us using the telephone number on the back of your card.

Simply use you your eligible business credit, charge, or debit card on a qualifying purchase at any participating merchant. Merchant cashback is paid directly to the business card account shortly after completing transactions, normally within 3-5 business days after the qualifying purchase. Cashback will show on monthly and online statements.

Yes. At the time of a partial or full return, Mastercard will reverse the appropriate portion of the cashback.

There are no specific expiry dates on participating merchants' cashback offers; however, you should check the Mastercard Business Savings website often for participating merchants and offer details.

No. HMRC has clarified that there is no requirement to adjust VAT reclaim to take account of the Business Savings cashback. Businesses that are VAT registered should therefore reclaim VAT on the gross purchase amount as usual.