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

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



App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Anytime Banking is available to customers aged 11+ with an eligible Ulster Bank Northern Ireland account.

Fees and charges

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 two main fees you need to know about. Both of these fees are £12.

Late payment fee - if you're late paying your monthly bill

Over limit fee - if you go over your credit limit

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 Internet 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.

MasterCard offers

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

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

Something else we can help you with?