Making it easy to buy for your business

Need something fast at a keen price? Looking to pick up a range of items at the same time? For many business buyers, the simple answer is to get it from Argos.

So we’ve made it easier for businesses to take advantage of the choice, value and convenience that Argos provides. All you have to do is open an Argos business account.

The Argos business account can be used to purchase thousands of products from Argos, Homebase and Habitat stores, as well as online at By putting everything you buy from us on your account, you maximise the amount you save. Not only do you take advantage of our low prices, you also get up to 5% cashback once you annual spend goes over £500. Plus, it’s easy to get everyone using the account and earning cashback together. You can issue a free purchasing card to as many people within your organisation as you wish. Every card is connected to a single monthly invoicing account, which consolidates everyone’s purchases and takes the hard work out of administering day-to-day buying for business.

  • Opening an account means no more need to deal with the inconvenience of sorting out petty cash, or managing complicated expenses claim processes
  • Whatever your staff buy from us comes through on one itemised monthly statement, for easy VAT reconciliation.
  • For added convenience and control, you can access your account online via our secure website.
  • It’s quick and easy to order new cards, set credit limits or get management information.
  • Plus, if you spend £500 or more over 12 months, you automatically get cashback on the total amount. This could be worth up to 5% a year to your organisation.


So an Argos business account saves you money, as well as hassle. Applying for yours is easy, too.

Ready to sign up?

Apply now online

Or call us on 0844 809 0974

  • Who can apply?
  • Any company, organisation or sole trader that wishes to make regular business purchases from Argos, Homebase or Habitat can apply for an account.

  • Where can I use the card?
  • It can either be used on-line at, or at over 750 Argos stores; over 330 Homebase stores; or 3 Flagship Habitat stores in London

  • Are there any account charges?
  • No it is a completely free service for our business customers to use. You can have as many cards as you wish, run reports on card usage and spend, and as long as you pay your invoice on time via Direct Debit there are no additional charges.

  • Can I use the invoice to reclaim VAT?
  • Yes – the For Business account invoices have line item detail on them which means you can use them to reclaim the VAT, where you are eligible to do so.

  • Can I reserve online and collect in-store?
  • Once your account is set up you can simply reserve your items online and select the store you wish to collect them from. Payment can be made with your For Business card at the store when you collect your items.

  • Can I take advantage of promotional and sale offers?
  • Absolutely! You can take advantage of offers (excluding in-store credit) at Argos, Homebase and also Habitat, making your budgets go even further.

  • Why should I have a For Business account card?
  • The For Business account card is designed to meet the needs of customers who want to purchase goods for their business and take advantage of the choice, convenience and value that Argos, Homebase and Habitat provide. The account card is suitable for businesses and organisations, both large or small, who need to make purchases for their business from Argos, Homebase or Habitat. It is particularly beneficial to those businesses who have employees needing to make purchases and who can be given a card, which is settled through a single monthly invoice. Our For Business account also provides you with control; you can set the right spending limit on each card and as monthly invoices are paid by direct debit there are no charges or fees for using the card. In addition you receive detailed monthly invoices, itemising all spend and allowing you to reclaim your VAT. Our online service allows you to conveniently and securely manage your account and create reports and cost centres, so that your spend can be analysed to meet the needs of our business.

  • Will I be tied into a contract?
  • There is no contractual tie in with a For Business account, but you will need to enter into an agreement to the Terms and Conditions that relate to the account. The agreement can be terminated at any time with 14 days notice upon which any outstanding balance will be due.

  • What is the approval criteria for the For Business account?
  • We use an approved credit agency to undertake a credit check. If you are a limited company the credit check is based on accounts information filed at Companies House. For non-limited companies or sole traders the credit check is based on your trading history.

  • What will my business' credit limit be?
  • Your credit limit will be notified to you in the welcome letter you receive with your card(s). The amount of credit available will be based on your estimated spend and the results of the credit check which is performed when you apply for your For Business account.

  • What are the cash back rates?
  • The cash back is calculated on the annual spend on the account, net of any credits applied to the account. From 1 August 2013, the following cash back rates will be applied (unless contractual agreements state otherwise). The minimum cash back payment made will be £1.00. £1 to £999 – cash back of 1%. £1,000 to £1,999 – cash back of 2%. £2,000 to £2,999 – cash back of 3%. £3,000 to £5,999 – cash back of 4%. £6,000 or more – cash back of 5%.

  • When will I receive my cash back payment?
  • Cash back will be calculated on the total spend made on the For Business account, net of any credits applied to the account. Cash back will be calculated after the 12 month anniversary of the account opening date, including the month in which the account was opened. ABS will notify the account holder of the cash back amount due and will provide a Credit Note itemising the cash back. The cash back will be credited to the account holder’s bank account, on the 15th day of the month following the account opening anniversary month (or the next working day after the 15th day of the month). The account holder’s bank account will be deemed to be the account from which the direct debit is applied. If no bank account details have been provided, ABS reserve the right to provide the cash back by cheque payable to the account holder.

  • How many cards can I have on one account?
  • You can have an unlimited amount of cards on your account, depending on your requirements. These can be ordered, managed and cancelled online on an ongoing basis. If you would like to set up an account with more than 20 cards please contact the For Business account team on 0844 809 0974.

  • When will I receive my For Business account card(s)?
  • Once your account has been approved you will be notified by email. A cards(s) and welcome letter will be posted to you within 5 working days.

  • Can I use my card immediately?
  • Yes you can

  • Can I use my card in the Argos quick pay Kiosks?
  • Unfortunately not at the moment, but we are working on this.

  • How do I order additional cards?
  • You can order additional and replacement cards online through the Manage My Account service.

  • What if I lose my card or need to cancel it?
  • You can follow the link to Manage My Account, and cancel the card, you can also use this area to re-order a card if you require one. If you need any assistance please call us on 0844 809 0974.

  • How does the credit limit work?
  • Once a successful application has been made, the Account Holder will receive a letter detailing the credit limit on the account (irrespective of the number of cards issued). If your credit limit is reached or exceeded, your account will be put on hold unless a manual payment is made, or the payment is collected by direct debit. For more information, or to request an increase to your credit limit, please contact the For Business account team on 0844 809 0974.

  • Can individual credit limits be set for the cards?
  • Yes, the Account Holder can set limits for individual cards, allowing you to control spend levels and manage your budgets more effectively. These must not exceed the total credit limit for the account.

  • Can cards have different cost centres?
  • Yes, each card can have a different cost centre allocated by the Account Holder. This allows you greater flexibility and control. Monthly payments can also be made for those cards within a cost centre, through the set up of an additional Direct Debit. Reports can also be made for each cost centre.

  • How often will I be invoiced?
  • You will receive an invoice once a month via email showing all the transactions made on your For Business account.

  • What information will I see on my invoice?
  • Your monthly invoice will detail all purchases made with your For Business card(s). It will itemise all purchases, showing the date of purchase, the item(s) purchased, the store location, the purchase order number or reference you provided, and the net, gross and VAT amounts.

  • Will I be sent an invoice for each card?
  • No – all card transactions details for an account or a cost centre that you may wish to set up will appear on a single invoice, meaning there is less paperwork for you.

  • Can invoices be sent to different cost centres?
  • Yes you can set your account up to operate in this way if you wish.

  • Can I use the invoice to reclaim VAT?
  • Yes – the For Business account invoices have been approved by HMRC, and the line item detail on them means you can use them to reclaim the VAT, where you are eligible to do so.

  • How do I pay my invoice?
  • All invoices should be settled via direct debit. In the unlikely event of a direct debit failing, there is an option to pay via credit or debit card, but please note a handling fee of 2.5% will be applied to credit card payments.

  • Can I make interim payments?
  • Yes – you can make an interim payment by calling the Customer Service Team on 0844 809 0974 to discuss. Cleared payment will be required if you wish to continue to purchase beyond your credit limit.

  • Who do I call if I have a query?
  • If you have a query relating to your account call our Customer Service Team on 0844 809 0974. Lines are open Monday – Thursday 9am – 5.30pm and Friday 9am – 5pm. Remember that you can use your Manage My Account at any time you choose.

  • What if I need my item(s) from Argos today?
  • Simply reserve your items online and select the store you wish to collect them from. Payment can be made at the store when you collect your items. Click here for store locations. Unfortunately this service is not currently available for Homebase or Habitat stores.

  • Is there a minimum / maximum spend?
  • No, you can choose to spend as much or as little as you like with the For Business account, within your credit limit. The more you spend the larger your discount will be at the end of the year.

  • Can I buy 10 or more of a single item?
  • Yes you can! Simply call us on 0845 421 7000 and speak to a member of the team who will be delighted to help with your enquiry. Remember that you can order up to 10 of any single item online at

  • What reports can I get on my For Business account?
  • You can easily create reports on your For Business account on-line through the Manage My Account service. You can download data on your past purchases. You can also receive regular scheduled reports, that will automatically be made available to you at the times you specify.

  • Can I produce reports relating to the use of cards?
  • Yes – there are extensive reporting facilities available for the previous transactions including selections by date range, cost centre and store.

  • What happens if my card is declined?
  • If your card is declined online or in-store you will be notified of this and asked if you wish to pay via an alternative method. Please visit to ensure your payments are up to date. If they are, and the card is still valid, please telephone the Customer Service Team on 0844 809 0974 who will be able to assist you.

  • Who do I call if I have a query with my order?
  • Please contact the relevant retailer: For Argos XXXX, For Homebase XXXX, For Habitat XXXX

  • Can I buy Gift Vouchers with my For Business card?
  • Yes – you can use your card in store to purchase up to £500 worth of gift vouchers.

  • Who runs the For Business account?
  • The For Business account service is managed and run by Atos IT Services Limited.

  • Why is a credit card payment option available via the website when it has been stated that a For Business account can only be settled via Direct Debit?
  • The credit card payment option is available for use when a direct debit has failed for any reason. Users will be able to settle their For Business account via an online payment option to avoid any issues with card acceptance. Please note that there will be handling fee of 2.5% if paying by credit card.

  • Why do I need to use purchase orders / references when placing an order?
  • When your card is used to make a purchase, you will be asked for a Purchase Order number or reference number of your choice which will be shown on your invoice for this transaction. This will help when reconciling orders placed against invoices.

  • Do cards have an expiry date?
  • Yes the expiry date is shown on the bottom of each card – it is usually 3 years from the date of issue.

©2015 Argos Business Solutions Ltd. Home Retail Group plc. Registered Office: Avebury, 489-499 Avebury Boulevard, Milton Keynes MK9 2NW Registered in England & Wales No.5863533