How do I find out the exchange rate when I send an international payment online or using the mobile app?

You will receive a guaranteed rate when making a payment via the mobile app or Anytime Internet Banking.

In the event the rates system is unavailable, when a payment is initiated after the cut off time, then you will receive an indicative rate. This is due to a delay between the date and time the payment transaction is made and the date and time the payment transaction is processed by Ulster Bank, the actual rate used on your payment may differ because the rate is set when your payment is processed.

When you send money with us, we include a small charge in our exchange rate called a mark up. This means our rate is slightly different to the market rate.

This mark up is the difference between the rate we get on the currency market and the rate we offer you.