Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age.

Cash advances subject to a handling fee of 1.5% subject to a minimum charge of €2.54, and can only be withdrawn from an ATM displaying the MasterCard symbol, subject to maximum daily cash advance limit of €300 or the amount available on your card, whichever is lesser.

Foreign currency transactions are subject to an administration levy equivalent to 2% of the transaction value.

The amount of the balance transfer(s) that we process will depend on the allocated credit limit. Should your credit limit be insufficient to process all transfer requests, we will action them according to the order in which you have provided them to us.

You can only transfer balances from non-Royal Bank of Scotland Group credit or store cards. Ulster Bank is not responsible if a credit or store card provider will not accept payment. We cannot accept responsibility for interest charged by other credit card providers. We can refuse to accept any balance transfer request.

Government stamp duty of €30 applies. Tax liability and other matters referred to are as applicable under current legislation, which may change, and their applicability will depend on your individual circumstances.

Rates and Information correct as at 9th January 2012 and are subject to change.