More control for peace of mind. Helping you simplify cashflow


Manage your spending with our OneCard

  • Global acceptance. Accepted at over 32 million outlets worldwide, wherever you see the Mastercard logo. 
  • Greater control. Restrict certain types of transactions or set spending limits for each cardholder. 
  • Visibility. View cardholders transactions and balance information in real time. 
warning Message
Information Message
Apple Pay and Google Pay

Use Apple Pay and Google Pay™

Apple Pay 

Now more than ever, you should consider using Apple Pay to pay with your business debit and credit card. It's contactless, safe and easy. It keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need. 

Google Pay™

Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals.

Apple Pay and Google Pay™ available on selected Apple and Android devices. Retailer limits may apply.

This card in detail…


Manage your spending with ClearSpend

ClearSpend is a convenient, free mobile application available on iOS and Android.

Smart Data Online

Set up reports to help you check and analyse business spending.


Your onecard comes with corporate liability waiver insurance to protect you against employee misuse.


Interest free credit

You can benefit from interest free credit on purchases for 37 days. You must pay the monthly balance in full and on time by Direct Debit.

More control

Set monthly and single transaction limits and merchant blocking restrictions

Tailor to your expense policy

Use Smart Data OnLine (SDOL), our market leading expense management software

Important Documents

Adobe Acrobat PDF reader is required to access the below documents.

Interest and fees

Foreign card transactions (including purchases of foreign currency and travellers' cheques) will be converted into Sterling using the MasterCard Payment Scheme Exchange Rate, normally when you make the transaction. The rate may change at any time and without notice - to see the up-to-date rates used please visit www.mastercard.com/global/currencyconversion

Useful info about OneCard

Standards of Lending Practice

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us.


Ready to apply?

Great thanks for choosing our OneCard...

Are you a new or existing customer?

To apply you must be an existing business customer

If you are interested in opening a Business Bank Account with us you can compare accounts on our Business accounts homepage.

Which type of business are you?

If you are a Sole Trader, Small Partnership (of 3 partners or less) or an unincorporated business, download an application form (PDF, 359KB). 

If you are a Limited Company, LLP, PLC or a partnership of 4 partners or more, download an application form (PDF, 293KB). 

You can download the additional cardholder application form

To avoid delays, or the application form being returned, please make sure you’ve completed ALL sections. If we have to decline your application, we’ll send you an email or text message. If your application has been fully completed and is successful we’ll text you and you should receive your new card and PIN within 10-12 business days.

Are you an existing card customer?

For support on managing your cards including resetting your PIN, adding a cardholder and reporting whether your card has been lost or stolen. Find out all you need to know on how ot manage your Ulster Bank OneCard. 


Looking for a Debit Card instead?

Looking for a business debit card instead of a credit card? Not to worry, this is something we also offer.

Anything else we can help with?