Personal
Credit Cards
The Ulster Bank Credit Card

The Ulster Bank Credit Card

A card to help with your everyday spending

Representative 12.9% APR (variable)

Available to UK residents, aged 18+ and earning at least £10K per year

On this page

About this credit card Open in new window

Check your eligibility Open in new window

Representative example Open in new window

Apply now Open in new window

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad.
Use worldwide at Mastercard® locations, in-store and online.

Information Message

Low interest rates and fees

You could pay a low interest rate of 12.9% p.a. (variable) on purchases and 12.9% p.a. (variable) on balance transfers.
No annual fee.

Information Message

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Start an application to check Open in new window

Representative example

Purchase rate

12.9%

p.a (variable)

Representative APR

12.9%

(variable)

Assumed credit limit

£1200

Annual fee

£0

Your actual credit limit and APR may vary depending on our credit assessment of you.

You may receive higher than our standard purchase rate of 12.9% p.a. (variable) up to 18.9% p.a. (variable) and higher than our balance transfer rate of 12.9% p.a. (variable) up to 18.9% p.a. (variable) upon application. Interest on fees and charges is payable in line with our terms and conditions. See the Summary Box for more details.

Ready to apply? Okay, let's start by checking your eligibility...

Please take your time to read this page and decide if this card is right for you. Unsure? Try our borrowing options tool.

We'll start by checking your eligibility – this won't hurt your credit score

At the start of your application, we'll say if you could get this card and what it could cost you. It’s then up to you if you want to go ahead.

To apply for a credit card, you must:

Be 18+, live in the UK and earn 10k+ each year.
Not have been bankrupt in the last 6 years. (Got a joint account? They must not have been bankrupt in the last 6 years either.)

All good? Here's a bit more info:

Important info you need to read before you apply for your card

For key info about this card, please see our Summary Box. Next, read our privacy notice to see how we use your info.

See our Summary Box.
Read our privacy notice (PDF, 186 KB).

How to get extra help with your banking

Are you an existing customer who needs a little more help? Maybe you’ve got a disability, English is your second language, or you’ve recently lost someone.

We’re here for you. Just let us know once, so we can update our systems and offer you the support you need.

You can tell us online, call us, or visit a branch.

To share your details with us, go to Banking My Way.

All okay? Let's get started

Continue

Do you bank with us already?

Let us know if you already have a current account, savings account, credit card or mortgage with Ulster Bank.

Please choose an option below to continue

I'm an existing Ulster Bank customer

I'm new to Ulster Bank

What device are you using?

Are you using your mobile, or something else, to apply for a credit card?

Please choose an option below to continue

I'm using my mobile

I'm using my desktop or tablet

Is our app on the device you’re using right now?

The Ulster Bank app is the easiest way for you to apply for a credit card. Do you have it on this device?

Please choose an option below to continue

Yes, the Ulster Bank app is on this device

No, I don't have the Ulster Bank app

Great, let's get started

Just a heads up - you'll be asked to log into the Ulster Bank mobile app to start your credit card application.

Do you have Ulster Anytime Banking?

If you know your Anytime Banking details we can pre-fill some of your info - making the application process faster.

Please choose an option below to continue

Yes

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Anytime Banking, then return to our credit cards page.

What do you need to log in to Anytime Banking?

You’ll need:

Your Anytime Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Anytime Banking.
Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
You’ll return to our credit card page.
Choose ‘Apply for a credit card’.
Choose ‘let’s start’ (under ‘Ready to apply’).

Log in and apply

Let’s get you signed up for Anytime Banking

You’ll need to sign up for anytime banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Ulster Bank Debit Card, if you have one.

How to register for Anytime banking

Head to 'Register for Anytime Banking.'
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.
Go to the Ulster Bank website and click ‘login’ in the top right-hand corner, have your activation code to hand.
On the login page, type in your customer number and activation code.
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.
Done, finished, complete. Now you can manage your finances anywhere you can get online.

Do you have Anytime Banking?

Got Anytime Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Please choose an option below to continue

Yes, I've got Anytime Banking

No, I've not got Anytime Banking

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Anytime Banking, then return to our credit cards page.

What do you need to log in to Anytime Banking?

You’ll need:

Your Anytime Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Anytime Banking.
Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
You’ll return to our credit card page.
Choose ‘Apply for a credit card’.
Choose ‘let’s start’ (under ‘Ready to apply’).

Log in and apply

Let’s get you signed up for Anytime Banking

You’ll need to sign up for Anytime Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Ulster Bank debit card, if you have one.

How to register for Anytime Banking

Head to 'Register for Anytime Banking'.
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.
Go to the Ulster Bank website and click ‘login’ in the top right-hand corner, have your activation code to hand.
On the login page, type in your customer number and activation code.
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.
Done, finished, complete. Now you can manage your finances anywhere you can get online.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner Mitek will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.