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Balance Transfer Credit Card

The credit card with no fee to transfer a balance

Representative 21.9% APR (variable)

0% for 18 months on balance transfers

Balances must be transferred within 3 months of account opening

Your 18 month 0% offer starts from account opening, after which standard rates apply

No fee to transfer a balance to this card. No annual fee

0% interest for the first 3 months on purchases

This offer is available on purchases made and paid off in full in the first 3 months of opening your account

After the first 3 months, standard rates will apply

What you should know about balance transfers

Representative example

Purchase rate

21.9%
p.a (variable)

Representative APR

21.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

Compare with our Purchase & Balance Transfer Card

This calculation is for illustrative purposes only

Managing your credit card

About your 0% offer

If you miss a monthly repayment we won't remove your 0% offer. But you could still be charged a late payment fee. We'll also update you on your 0% offer expiry and repayment progress with regular emails and alerts.

Paying your credit card

To make it really convenient, there are a number of ways you can pay every month.

Other charges or fees

Some other important details you should be aware of.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using the Balance Transfer credit card.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Do a balance transfer

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

First, you can apply online if you:

  • are 18+ and a UK resident with an existing Ulster Bank current account, savings account, credit card or mortgage holder
  • have an income of at least £10,000 per year

Now please take a look at the important legal info

By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

All okay? Let's get started

Do you have Anytime Banking with us?
You'll need to have Anytime Banking to apply online with us. The good news is that we can help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're all set

A quick heads up - here's what you'll need to apply:

  • Your Anytime Banking details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you want to transfer a balance from

Let's get you set up

You'll need to sign up for Anytime Banking with us to apply online. The good news is that it normally takes only 5 minutes. 

What you'll need

  • Your sort code and account number
  • Your card number and expiry date

When you've got your Anytime Banking details sorted, select 'Next' below to apply for this credit card.

You're ready to go

A quick heads up - here's what you'll need to apply:

  • Your Anytime Banking details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you want to transfer a balance from

Let's get you sorted

You'll need your Anytime Banking details to apply online. Pick one of the options below and we'll help you on your way.

When you've got your Anytime Banking details sorted, select 'Next' below to continue applying for this card.

You're ready to go

A quick heads up - here's what you'll need to apply:

  • Your Anytime Banking details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you want to transfer a balance from