Business Debit Card

Manage your everyday expenses

Use Apple Pay and Google Pay

Apple 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.

Google Pay

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

Acceptance worldwide

Pay for items in over 30 million retail outlets and obtain cash at 1 million ATMs across 160 countries. Accepted wherever the Visa symbol is displayed. Please see our 'Fees and Charges' section below for more information.

Cash withdrawal

We understand how important it is for you to be able to access your funds wherever and whenever. Our Visa 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 Visa 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 Visa Debit payments

You can use Apple Pay and Google Pay™ for payments with your phone, making it easier for those quick transactions.

Secure payments

Good news, we have enhanced our Ulster Bank Secure service (In association with verified by Visa). When shopping online you will no longer need to enter a password, most transactions will simply go straight through after being checked by the bank.

For some transactions you may be asked to enter a one time passcode online which we will send to you.  You can select whether you wish this passcode to be sent to your mobile, email address or via a voicemail to your landline.

Ulster Bank Secure provides you with extra protection when shopping online at participating merchants.

To ensure you can complete online purchases quickly it is essential that you keep your contact details up to date, so if verification is requested we can send you a one time passcode.

Apply for my business debit card

Please print and /or save a copy of the following documents before you start:

Business Banking Terms and Conditions (PDF, 2.2MB)

Business Debit Card Terms (PDF, 269KB)

By proceeding you are acknowledging and agreeing that you understand that Ulster Bank Ireland DAC has made an announcement that the Bank has commenced a phased withdrawal from the Irish banking market which may result in the transfer of your product to another provider.

Fees and charges

Transaction Type: Cash withdrawals in a foreign currency

Inside the UK: 

    From a cash machine

Outside the UK:

    From a cash machine;

    purchase of currency; 

    purchase of travellers cheques;


We will charge a Non-Sterling Transaction Fee of 2.65% of the value of the transaction. 

If you elect for the transaction to be converted into sterling at the point of sale or withdrawal, we will not charge a Non-Sterling Transaction Fee, however the transaction handler may charge you a separate fee. 

Transaction Type: Inside or outside the UK

Payments made in a foreign currency, for example, purchase of goods in a shop while you are travelling and online or telephone purchases. 


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 Visa 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 Visa 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).

How can we help?

Anything else we can help with?