Get Business Debit Card | Instant Decision On Business Mastercard

Instant decision Business MasterCard®

If you want a business debit card that you can start using within 3-5 minutes, apply for the Arro Business Account today and you could receive your virtual card details via SMS in minutes.

There’s no credit check and, as long as you are able to supply the basic identification details, are aged 18 or over and can provide a current UK address for your business, we guarantee to accept your application.

On approval you receive the full details – card number, expiry date and 3-digit CVV – for a newly issued Business MasterCard® in your name.

You will also have access to our bespoke online dashboard to manage your Arro Business Account, complete with sort code and account number, so that you can transfer in funds to spend on your debit card, or start to accept client payments into the business account immediately.

Does Arro provide an instant online business bank account?

Arro is not a bank, so the Arro Business Account is not a bank account – but we are fully regulated by the Financial Conduct Authority to provide electronic money service activities.

Your Arro Business Account has many of the same features as a traditional business bank account:

  • Sort code and unique account number for incoming payments.
  • Online dashboard to manage your money and make Faster Payments and Direct Debits*.
  • Newly issued Business MasterCard® debit card in your name.
  • Ability to make ATM withdrawals, contactless purchases in-store and pay salaries.

If you think about it, you may already have personal and business credit cards from providers who are not banks; with your Arro Business debit card you get a complete account that you can manage online from any active internet connection.

What’s more, as there’s no overdraft on the account and your Business MasterCard® is a debit card, not a credit card, there is no need for us to carry out a credit check or leave any mark at all on your credit file when you apply for an Arro Business Account.

How do I receive an instant business debit card?

First, fill in our online application form to request a new Arro Business Account – we just need to know the basics, for example:

  • Name
  • Date of birth (applicants must be over 18)
  • Company name (sole traders can apply too)
  • UK trading address
  • Contact details

We use automated checks to confirm your identity using the information provided – but we never run a credit check or access your credit file, and your application will never appear in your credit history.

Assuming we are able to verify the information you provide, in the vast majority of cases we can approve your application in as little as three minutes and issue your Business MasterCard® debit card immediately.

While the physical card itself is on its way to you in the post, we provide you with the full card details via SMS, including the card number, 3-digit CVV security code (usually found on the signature strip of the physical card) and the expiry date.

The card is already issued and active at that point, which means that as soon as there are funds in your Arro Business Account, you can start making cardholder-not-present purchases, for example by entering those details manually during an online checkout process.

What if my application is rejected?

The Arro Business Account is one of the only business accounts available in the UK with guaranteed acceptance, so the only reason you might be rejected is if we are unable to confirm your identity using the details you provide during signup.

If this happens, we will try to give you the chance to provide an extra form of ID and process this promptly, but in almost all cases the automated approval process will work for any legitimate application.

In the extremely rare event that we are unable to approve your application, remember that we never access your credit file or run a background credit check – so there is no black mark on your record and no lasting effect on your eligibility to apply for future financial products with Arro or any other provider.

The decision is fast in either case, and we are happy to advise you on your eligibility before you apply, if you would prefer to contact our Support team to make sure.

But if you are in a hurry and want an instant decision Business MasterCard® with immediate access to the card details and an online platform to deposit funds on to the card balance, the Arro Business Account is by far one of the quickest and easiest ways to get all of those things in under five minutes.

*Functionality coming soon

  • Flexi


    From £0.00 per month

    Use your account as much or as little as you like!

    £1.00 per ATM withdrawal

    £1.00 per Fast Payment

    Max Balance £25K

    Annual Limit £120K

So you’re interested in an Arro account?

Pop your details in the boxes below and you’ll be the first to get an invite as soon as Arro accounts are ready.

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