Managing the impact

Struggling financially

Lean on us 

Whatever the challenges you’re facing, remember that we’re here to help. Get in touch and we’ll chat through your options.

If you are calling from the UK: 0345 366 5592

Relay UK: 18001 0345 366 5592

If you are calling from abroad: 0044 345 366 5592

Lines are open Mon to Fri 8.30am-5.30pm.

Get help navigating trading difficulties


Understand your cashflow

Understanding the amount of cash coming in and out of your business is key to successful decision making and planning. There are some steps that you can take to help support you with better cashflow management particularly during periods of uncertainty.

Free accounting software for your business

FreeAgent gives you a bird’s eye view of your cashflow, profit and loss, invoices and business bank accounts. It also surfaces valuable insights to help you make smarter business decisions.

Card disputes

Card payment disputes

If you’ve paid for goods or services by debit or charge card and you didn't receive them, the first step in making a claim is to speak to the retailer to see if they can resolve the issue. For payments made through PayPal, please speak to the retailer's disputes team. If you’ve contacted the retailer and they couldn’t help, we can raise the dispute for you.

Insolvency help

Insolvency Support

If you think your business is, or is about to become, insolvent, you should seek independent professional help.

Get free independent support

Take control of your finances with support from an independent free debt advice organisation. They can help with lease agreements, invoice issues, tax returns, budgeting, and much more.

Business Debt Service
Business Debt Service from Advice NI offers free tailored, independent and impartial advice for Sole Traders, Partnerships and Limited Companies.

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment, and general consumer issues.

Free and impartial help with money; advice on benefits, everyday money, family & care, homes, money troubles, pensions & retirement, savings and work.

StepChange Debt Charity
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.



We partner with PayPlan (a third-party company), who can offer you free confidential advice for all of your debts. 

Shelter NI
Shelter NI help people facing urgent housing issues.

Advice NI
An independent advice network, providing information on debt, employment, benefits and many other topics.

NI Business Info
A free, official service providing information and guidance to businesses in Northern Ireland.

Is your business dealing with late payments?

Through our partnership with the Federation of Small Businesses, you can access free independent support, information and webinars.

Membership fees may apply for other services.

Your wellbeing

Whether you’re facing financial challenges or coping with stressful life moments, it’s important to look after your wellbeing.

Mind your mental health

Worrying about keeping your business or home finances afloat can have a big impact on your mental health. Mind provide confidential support and information to help you and your family through difficult times.

Banking my Way

Banking my Way is a free service that lets you record information about the support or adjustments you need to make it easier to bank with us. We'll share the information you give us with our teams at Ulster Bank so you don't have to remind us each time you get in touch.

Dealing with mental health and money concerns

We explore insights on how to promote financial well-being in your professional life, and with your employees.

Help with personal finances

Worried about your personal finances or mortgage payments? We're here to help you get back on track. Get in touch with our team today.

Get in touch

If you have a relationship manager, they’re the best person to contact.

Email us

If you can't find the information you're looking for, send us an email and we'll reply as soon as we can.

Call us

If you are calling from the UK: 0345 366 5592

Relay UK: 18001 0345 366 5592

If you are calling from abroad: 0044 345 366 5592

Lines are open Mon to Fri 8.30am-5.30pm.

Anything else we can help you with?