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Existing customers

Manage your credit card

Stay in control

Mobile app

  • Take control by locking/ unlocking certain transaction types.
  • Set up a Direct Debit, pay your credit card or view your last 3 years statements.
  • Register your travel plans.
  • If you have misplaced your card, you can lock and unlock it on the app.
  • Request a pin reminder or unblock your pin.
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Anytime Banking

  • Set up and manage regular payments, including paying your credit card.
  • View your balance and transactions.
  • Register your travel plans.
  • Adjust your credit limit.
  • View up to 7 years of credit card statements.
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Managing your card

If you are experiencing any financial difficulties, we can help, please visit our Struggling Financially page, or you can also visit our dedicated Cost of Living page.

Late or missed payments

It's important to make your payments on time otherwise you could be charged more in interest and it could impact your credit file. 

Avoid late payments by setting up a Direct Debit

One simple way of avoiding missing or being late with payments is by setting up a Direct Debit. This would mean the payment would be taken automatically on a monthly basis. You can set the Direct Debit to pay the minimum amount, the full balance or a set amount.

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Going over your credit limit

It's important to stay within your credit limit otherwise you could be charged more in interest and it could impact your credit file. 

To help you stay within your limit, we will send you a text when you are using 95% of the credit limit. Please ensure your mobile number is up to date so you receive these alerts.

Another simple way to help manage your credit card is by having our Mobile app which means you can log on anyway, anytime and see what your balance is.

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Returned payments

A returned payment is when the payment from your Direct Debit or cheque is rejected. This will have been due to insufficient funds in the account that the payment is being made from. 

You might want to consider changing the date of your statement which will change your payment date, so that it is at a more convenient time.

If you would like to discuss this option please contact us. 

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Fees and charges

Non Sterling Transactions

Applied to transactions made abroad.

Money Advance fee

Applied to your account when you use your card to withdraw cash or where you receive a cash equivalent.

Instalment Plan fee

This is how you pay back an Instalment Plan.

Annual fee

Applied as a one off annual fee for having the card.

Interest

Applied interest on your statement balance.

Using your card abroad

Going on holiday, or taking a business trip? Your credit card can be a safe and convenient payment method to make transactions abroad.

Our credit cards are widely accepted at millions of overseas retailers and ATMs. To use your credit card, just look for the Visa and MasterCard logos in retailers or on cash machines next time you are abroad, then use your card as normal.

Find out more about using your card abroad and the associated costs.

Add another cardholder

You can add your spouse, partner or close friend to your credit card via Anytime Banking. Additional cardholders must be 18 years old or over and must be a UK resident. Alternatively, you can contact our credit card team via secure messaging within your mobile app or please ring us on 0345 300 4642 (Relay UK: 18001 0345 300 4642).

We may need some further documentation for the additional cardholder before we can issue another card. We'll write to you at your home address asking for this if applicable.

Get more from your credit card

Contactless

Our credit cards come with Contactless technology, so you can pay for everyday essentials up to  £100 - in less than a second.

 

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MasterCard offers

As a MasterCard customer you can enjoy lots of exclusive benefits and offers. Learn more by visiting the MasterCard site.

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Pay my card

For a fast, simple and secure way to pay your Ulster Bank credit card from another UK bank, on our app you can choose to Pay my Card which is powered by Payit. Payit™ is Ulster Bank's new payment solution that allows a fast, simple and safe way to pay. It removes the need for you to enter card or account details, passwords or authorisation codes when you are paying online. Instead, you can make secure, instant payments directly from your bank account or  mobile banking.

Pay your credit card with the app

Paying your credit card with the Ulster Bank mobile app is quick and secure.

Here's a step-by-step guide to the 3 ways you can pay or schedule a payment.