Manage your credit card

On this page

Stay in control

Fees & Charges

Add another card

Get more from your 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.

Get the mobile app

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:

Late payment fee

Keep on top of your payments. Your statement will tell you when the minimum payment has to reach your account each month.

There are many ways to pay your credit card bill. Make sure you have enough money in your account before a payment is due to come out and send it in plenty of time.

If your statement date or payment date doesn't suit, give us a call and we can change it to one that works for you.

Ways to pay your bill

Call us

Over limit fee

Keep track of your credit limit and how much you have available to spend. You can do this any time by registering for anytime banking or calling 0345 742 4365* (Relay UK: 18001 0345 300 4642).

If you've already gone over your credit limit make sure that your minimum payment is enough to bring you back within your credit limit, otherwise you'll need to pay more to avoid another over limit fee.

If you need a higher or lower credit limit we're happy to discuss this with you. A credit scoring system based on your current financial status is used to decide the fairest and most appropriate amount for you. If you think you'll have difficulty covering your credit card borrowings, please let us know immediately and we'll give you all the help we can.

*Lines open: 7 days a week 8am – 8pm (Automated service 24/7). Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.

Interest

If you pay your full balance, and you paid the full balance shown on the previous month's statement by the payment dates, we will not charge you interest on the purchases on the statement.

In an emergency it can be useful to withdraw cash from an ATM using your credit card but it may be cheaper to use your debit card. We charge interest from the date the advance is charged to your account. This is higher than the rate charged for purchases.

This summer, to help you get a well-deserved break, we won’t charge you any foreign transaction fees (also known as non-sterling transaction fees) when you spend abroad with an Ulster credit card. No need to do anything, just pack your Ulster card and you’re good to go. Valid from 24^th June at 00.00 (local time) to 2^nd September 23.59 (local time). Terms Apply.

Please visit our Spending abroad page for our top tips and FAQs.

Terms and Conditions

You will not pay non-sterling transaction fees when you use your credit card abroad for purchases between 24 June 2022 at 00:00 (local time) and 2 September 2022 at 23:59 (local time) (“the promotional period”).

Purchases include goods and services but don’t include ATM withdrawals, refunded transactions, money transfers, cash advances, electronic money cards, foreign currency, and gambling transactions.

You will not be eligible for this offer if your account goes overlimit or you do not pay the minimum monthly repayments when due.

After the promotional period has ended, the non-sterling transaction fee of 2.75% will be charged on any purchases made abroad with your credit card.

Ulster Bank reserves the right to alter, amend or remove this offer without prior notice.

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.