Frequently asked questions

When you open a business account with us, we can issue you a card free of charge. If you or a member of your team needs a card, contact us by calling 0330 380 1181 or emailing [email protected].

If you’d like to learn more about opening an account, check out how to apply for a business account.

Once you’ve received your card in the mail, you can activate it by following these steps:

1. Open the OakNorth Business app

2. Tap the message waiting for you on the Home screen prompting you to activate your card

3. Enter the card number and CVV, and select ‘Activate card’

4. Once confirmed, your card is ready to use

If you need help, contact our team by calling 0330 380 1181 or emailing [email protected] – we’re available Monday to Friday from 9am to 5pm.

We send our cards by Royal Mail 1st Class, so they usually arrive within a week. If you haven’t received your card after 7 business days, contact our team by calling 0330 380 1181 or emailing [email protected], and we’ll investigate.

For security reasons, a PIN is automatically assigned to your card. If you’d like to change it, you can do so at any ATM by selecting “PIN services” from the menu and following the prompts.

If you need help, contact our team at [email protected].

We’ve put limits in place to help protect your account. The maximum amount you can spend in a day is £50,000.00, and the maximum for a single transaction is £50,000.00. When it comes to withdrawing cash, the limit is £750.00 each day.

Learn more about limits, fees and restrictions

If there’s a payment in your recent transactions list that you don’t recognise, tap on it to see more details. In this view, you’ll get the merchant name and the transaction’s date and time. As a first step, we recommend contacting the merchant and asking them to provide more information and clarify any discrepancies. It’s possible that the transaction was legitimate but appeared differently on your statement.

If that doesn’t work and you’d like to dispute the payment or believe the transaction is fraudulent, contact our team by calling 0330 380 1181 to report it, and we’ll investigate immediately.

If you need to report your card as lost, stolen or damaged, call our support team on 0330 380 1181 (or +44 330 380 1181 if you’re outside the UK). We’ll cancel your card immediately and order you a new one.

While most transactions are fee-free, certain activities may incur charges, such as ATM withdrawals and international transactions. If you’d like to know more, see a breakdown of our fees.

Our cards can be used wherever Visa is accepted in the UK, most of the European Economic Area (EEA). Operations in some countries might be prohibited – for the full list of where you can and can’t use your card, head to our restrictions page.

Please note that international transactions may be subject to fees and currency conversion charges. Learn more about our fees and Visa’s exchange rate.

Here are a few things you can do to protect your card from misuse:

1. Memorise your PIN and avoid writing it down or sharing it with anyone.

2. Be vigilant when using ATMs and card terminals. Inspect them for any signs of tampering or skimming devices, and cover the keypad when entering your PIN to prevent others from seeing it.

3. Store your card in a safe location when not in use.

4. Exercise caution when making online purchases, and make sure you only provide your card details on secure and reputable websites. Learn how your online shopping is secured with Visa.