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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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Fees and charges

Please note: We are currently waiving the Late/Missed payment fee, Overlimit fee and Returned payment fee as part of our cost of living support for our customers. It's important to make your payments on time and keep your credit card within its credit limit.

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.

A credit card has many benefits but to get the best from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.

There are three main fees you need to know about.

Late payment fee (£12) - if you're late paying your monthly bill.

Over limit fee (£12) - if you go over your credit limit.

Returned payment fee (£10) - Applied when you don’t have enough money to make a payment.

Here are some tips on how to avoid paying charges and interest on your credit card:

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


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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Take a look at our guide to credit cards for more useful information on credit cards.

Pay my card

For a fast, simple and secure way to pay your Royal 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.

Something else we can help you with?