Business Debit Card
Manage your everyday expenses
Hassle free banking with your Business Debit card
Your Business Debit card is great for everyday purchases. It’s designed for you regardless of the size of your business and can help reduce the administration involved in reconciling cash and personal card expenses. That way it’s easier to keep track of all your business spending.
If you already have a Business debit card and want to know more about how it’s changing visit our page here.
Use Apple Pay and Google Pay
Now more than ever, you should consider using Apple Pay to pay with your Business card. It’s contactless, safe and easy. If you’ve never made a contactless payment with Apple Pay, it’s simple to set up before you leave home.
Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for almost anything.
Apple Pay and Google Pay available on selected Apple and Android devices. Retailer limits may apply.
Features and benefits
Pay for items in over 30 million retail outlets and obtain cash at 1 million ATMs across 160 countries. Accepted wherever the Mastercard symbol is displayed. Please see our 'Fees and Charges' section below for more information.
We understand how important it is for you to be able to access your funds wherever and whenever. Our Mastercard Debit Card will allow you to withdraw up to £1,500 a day, giving you the peace of mind that you can access your funds when you need it most.
Protection for your purchases
If you use your contactless Debit Card to purchase goods or services and they fail to arrive or are damaged, the service is not provided or the retailer has gone out of business, we may be able to help recover the payment if your attempts with the retailer have been unsuccessful.
Mobile Debit payments
You can use Apple Pay and Google Pay™ for payments with your phone, making it easier for those quick transactions.
Here are some things you need to know before applying:
- To apply for a debit card, you must be an authorised signatory on the related account.
- The application form must be authorised in line with your mandate. For instance, if your mandate states that two people must sign, you must include two authorised signatories on the form.
- The authorised signatories will receive a request through Adobe to electronically sign the form.
- If you need support understanding or updating your authorised signatories/bank mandate, visit the Manage your signatories hub.
- Only 4 cardholders are permitted per Business current account.
We’ll process your application within five working days of receiving it. We will only receive the request once all authorised signatories have signed the form.
If your application is successful we’ll send your card and PIN out separately within 3-5 working days. If we need any further information or encounter any issues, we’ll notify you via text message.
Fees and charges
We will charge a Non-Sterling Transaction Fee of 2.65% of the value of the transaction.
If you ask for the transaction to be converted into pounds sterling at the point of sale or withdrawal, we wont charge a Non-Sterling Transaction Fee, however, the transaction handler may charge you a separate fee.
*Standard current account transaction charges may apply as detailed in A Guide to Business Current Account Fees (PDF, 92KB).
Foreign Exchange Rates
Daily debit card foreign exchange rates are set by Mastercard excluding cash withdrawals at an Ulster Bank, Royal Bank of Scotland or NatWest cash machine in the Republic of Ireland which are set by Ulster Bank.
The links below will transfer you to the Mastercard website and our Euro exchange rate tool to calculate indicative foreign exchange rates. Please note that currencies fluctuate everyday.
Looking for the OneCard charge card instead?
Looking for a charge card instead of a debit card? Explore our OneCard today.
Security may be required. To apply you must be a UK resident aged 18 or over. The OneCard is for UK businesses only. To apply you must be a business customer and maintain a business bank account in the same legal entity name with Ulster Bank. Subject to status, business use only. OneCard has an annual fee of £32 per cardholder. Ancillary fees may also be applicable. T&Cs apply (PDF, 213KB).